vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened a checking account in XXXX and had a {$450.00} checking bonus. I talked to the manager because I had an account several years ago and she said I should still qualify. I direct deposited over the {$8000.00} amount and did not receive the bonus. I called and they would open a case and submit the paperwork. I gave it a week and didnt receive a response so I called again. Talk to someone else and they submitted the paperwork again and I waited a week and still no response. I called a third time spoke to a manager this time she confirmed I met eligibility and said the other XXXX were denied with no response as to why. She said she they submitted the wrong paper work she would submit the correct paperwork and they would deposit it. She also scheduled a call back the following week from a manager. I received a text message confirming the scheduled time for call back but did not receive a call. I called back again and explained everything that had happened and she said the manager they set up the call back from at scheduled time was manager of a bank that is closed and she assumed she must of had some type of emergency. I waited a week and called back again because I didnt receive a response or said deposit. I talked to XXXX different people today and the representative said I didnt qualify for bonus because I had an account several years ago. This is after I have spent several hours on the phone as well as my deposits and criteria to meeting eligibility was confirmed by XXXX different managers. This is absolutely not acceptable.

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 2026-07-06 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: VA

Complaint narrative:
I have tried unsuccessfully to dispute XXXX {$50.00} erroneous charges of XX/XX/year>, totaling to {$100.00} with the Citi Bank. Case ID # XXXX XXXX and XXXX. They are also linked to Transaction IDs XXXX and XXXX. I submitted XXXX separate disputes of these XXXX XXXX XXXX XXXXransactions with the Citi directly on XX/XX/year> ; I also provided the attached XX/XX/year>, detailed description of what happened on XX/XX/year> to the Citi 's XX/XX/year>, letter asking for explanation and signing a form. However, on XX/XX/year>, the Citi sent me the attached response denying of my dispute of {$50.00}. It is unclear what happened to my dispute of my second {$50.00}. It could be that Citi did not even realize that these are XXXX separate transactions. See my below explanation to the Citi of what took place that date. Per my online dispute on Citi Thank You Credit cards webpage on XX/XX/year>, at around XXXX PM on XX/XX/year>, I attempted to purchase a gift card from a nearest XXXX XXXX XXXX ( labeled as XXXX in the attached Citi Card XX/XX/year>, statement ) located at XXXX XXXX XXXX XXXX XXXX, VA XXXX from my home address. The Gas Station had only gift cards in the {$25.00} and {$50.00} denominations. I asked to purchase XXXX {$50.00} gift cards to make it {$100.00} in total. The attendant who had broken XXXX language skills attempted to help me by charging for each gift card separately due to XXXX procedures to process such transactions. At around XXXX PM, the attendant swiped a {$50.00} gift card and then asked me to swipe my credit card, but the attached receipt in my response to the Citi Card on XX/XX/year>, said, Gift Card Activation Failed. Then, at around XXXX PM the attendant tried to swipe his second gift card by allowing me to swipe my credit card for the gift card {$50.00} charge. The attached receipt in my response to the Citi Card on XX/XX/year>, for the transaction showed the same message, Gift Card Activation Failed. Then, I left the gas station and went to another XXXX ( labeled as XXXX in the attached Citi Card XX/XX/year>, statement ) located a bit further at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. This location had a gift card with {$100.00} denomination. At around XXXX, an attendant followed similar procedures where he swiped the {$100.00} gift card and asked me to swipe my credit card. This time, the transaction went through, and I received the attached XXXX types of receipts. I did not go back to the first XXXX XXXX gas station after seeing the posted charges in my statement because the attendant already had broken XXXX and it would be very difficult for me to explain to him what happened.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a Care Credit card that I used for a dental procedure. I am signed up for paperless statements and have always received statements without issue. I received my XX/XX/year> statement as usual, and paid the full balance on XX/XX/XXXX. The due date was XX/XX/XXXX. At the end of XXXX, I received notice from my credit monitoring company that my credit had dropped XXXX points due to a missed payment. In researching, I found that Care Credit had charged a small interest fee of {$4.00} at the end of XXXX that they called an incendiary charge, even though I had used an interest free promo for my procedure and paid it off early. In XXXX and XXXX, I was charged again, a fee of {$2.00} per month. I did not receive a statement for these months, either by email or hard copy- with XXXX effort to contact me, they simply reported me for non payment of a {$4.00} interest fee. When I contacted them, they said that because I had paid the full balance in XXXX, I was automatically removed from paperless billing and therefore did not receive email notification. They said they investigated and found they had mailed a statement via mail. However, the statement arrived on XX/XX/XXXX, ( due date of XX/XX/XXXX ), and well after my " non payment '' of the XXXX dollars had been reported. I am an elderly widow, recovering from XXXX. My prior XXXX XXXX was XXXX. I have never missed a payment in my life. I have an immaculate payment record and am absolutely shocked and infuriated that they would destroy my credit over {$4.00}, automatically unenroll me from paperless billing WITH NO NOTICE, and then defend their unethical actions, especially since they are a company that ostensibly exists to help low income folk cover medical bills. I would like this behavior investigated as I find it so upsetting to see my credit score reduced by XXXX points. I am on a very limited income and this will effect my ability to cover medical procedures in future.

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 2026-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NE

Complaint narrative:
I, XXXX XXXX XXXX, hereby give the Consumer Financial Protection Bureau and U.S. Bank my full, explicit authorization to proceed with my complaints.I explicitly authorize the inclusion and review of all documents, letters, bank receipts, and cross-complaints submitted by XXXX XXXX XXXX regarding this matter. XXXX XXXX is the legitimate purchaser of the XXXX XXXX cashier 's check # XXXX in the amount of {$160000.00}, which was deposited into my closed U.S. Bank account ending in XXXX fully waive any third-party privacy restrictions regarding XXXX XXXX XXXX for these cases so that U.S. Bank 's Executive Complaints department can immediately review her XX/XX/year> authorization letter, her certified mail receipts, and her matching cross-complaint to finalize the immediate release of my {$150000.00} payout check to my new address.

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 2026-07-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
b'The servicer is engaging in predatory accounting practices, refusing to close my mortgage account, and charging me illicit insurance fees on a fully paid loan.\nFirst, I have submitted full funds to completely pay off the principal on this mortgage. As documented in my attached ledger statements, the servicer is keeping my account active by holding an arbitrary "Current Principal Balance" of exactly XXXX XXXXhey claim an additional "deferred balance" is owed from years ago under a previous servicer XXXX but they have failed to provide any proof, payment history, or accounting to support it. When I spoke to multiple customer service representatives, they placed me on extended holds and admitted they had no record or explanation of where this balance came from.XXXX XXXX XXXX XXXX XXXX I sent a formal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding an itemized life-of-loan accounting ledger. Under RESPA guidelines, this constitutes a Qualified Written Request / Notice of Error. The servicer signed for it but completely ignored it. Instead of an explanation, they recently sent an automated Single Point of Contact loss mitigation letter treating my account as a standard delinquency.\n\nThird, the servicer has been repeatedly deducting "Lender Placed Hazard" disbursements from my account. I maintain independent private homeowners insurance on this manufactured home through XXXX XXXX XXXX XXXX XXXX XXXX and have provided proof. The servicer has no legal right to force-place insurance or accumulate escrow debt on a paid 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 2026-07-06 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: NC

Complaint narrative:
b"I am the defendant in Citibank, N.A. v. Earle, No. XXXX (XXXX XXXX NC District Court). This complaint concerns Citibank's failure to follow the Fair Credit Billing Act's billing-error procedures (15 U.S.C. 1666; 12 C.F.R. 1026.13) on my Citi Mastercard account ending XXXX\nTIMELINE:\n As of XXXX XXXXCitibank claimed a balance of XXXX on the account.\n XXXX XXXX XXXX - I sent Citibank written billing-error dispute by certified mail XXXX XXXX XXXXXXXX XXXX XXXX], disputing the amounts claimed and requesting documentation.\nXXXX XXXX XXXX - I Sent Citibank another written billing-error dispute by certified mail [XXXX XXXX XXXX XXXX XXXX], citing the XXXX XXXX letter and highlighting the disputed amounts and requested documentation.\n XXXX - Instead of completing the billing-error process, Citibank filed suit on the disputed amount.\nXXXX XXXX XXXX - I sent a third letter to Citibank disputing billing-errors and requesting documentation, also copying the CFO at the time Mark Mason in this correspondence by certified mail XXXX XXXX XXXX XXXX XXXX].\n XXXX - Citibank's collection law firm (Bernhardt and Strawser, P.A.) sent a validation notice claiming XXXXn XXXX - I disputed in writing by certified mail, within the notice's stated dispute window.\n The only responses received, from Citibank and its counsel, were boilerplate and non-substantive: no written explanation, no account-level documentation, no correction none of what 1666 requires within two billing cycles.\n XXXX - In that lawsuit, Citibank's discovery responses did not include the original cardmember contract or application; electronic or physical and has not been produced to date.\n Through the present Citibank continues to collect on and furnish the disputed amount to the credit bureaus.\nCitibank never provided the written acknowledgment within 30 days or the written explanation/correction within 90 days that the FCBA requires, yet continued collection and adverse reporting of the disputed amount throughout conduct 1666(c) and Regulation Z prohibit. This complaint is separate from my FCRA 1681s-2(b) complaints against Citibank (XXXX XXXX), which concern furnisher-investigation duties; this one concerns billing-error handling and collection of a disputed debt."

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 2026-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
In early XXXX, a collection account from Waypoint Resource Group appeared on my credit report. I have never received any bills, notices, or validation from Waypoint or the original creditor explaining what this debt is for.The account shows a balance of $ XXXX ( enter the amount shown ), but I have never been contacted by Waypoint before they placed this on my credit report. I did not receive any written validation notice within XXXX days of their first alleged contact, as required by the XXXX disputed the account through XXXX XXXX and the credit bureaus beginning in XX/XX/year>. Despite these disputes, Waypoint has not provided any documentation showing that : I opened the original account I authorized any charges I owe the amount they are reporting They have the legal right to collect on this debtThe account remains on my credit report without verification, and it is negatively affecting my XXXX XXXX requesting that Waypoint Resource Group provide full validation of the alleged debt, including proof of account ownership, service usage, and assignment of the debt. If they can not validate the debt, I am requesting that the account be removed from all credit bureaus immediately.

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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Collections Inc
State: OR

Complaint narrative:
On XX/XX/year>, Asset Collections, Inc. sent me an email attempting to collect an alleged debt of {$1300.00} purportedly owed to XXXX XXXX XXXX. The email demanded payment, threatened further collection activity, a financial investigation, possible litigation, and potential credit reporting if payment was not made. The collector also stated that " supporting documents are available, '' but did not provide those documents with the collection communication. This is not the first time I have experienced this issue with Asset Collections, Inc. In a prior CFPB complaint ( No. XXXX ), I disputed a similar collection account handled by this company after it failed to provide the debt validation required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my written dispute and request for validation, the company did not provide the documentation I requested before continuing its collection efforts. Because of that prior experience, I timely disputed this alleged debt and requested validation pursuant to 15 U.S.C. 1692g. Specifically, I requested documentation establishing the existence and amount of the alleged debt, the signed agreement creating the obligation, a complete itemized accounting, documentation establishing the collector 's authority to collect, and copies of the " supporting documents '' referenced in its email. To date, Asset Collections , Inc. has not provided the documentation necessary to validate the alleged debt. Instead, it continues to demand payment while failing to substantiate the claim. A debt collector should not expect consumers to pay an alleged debt without first providing the documentation necessary to verify its validity when the debt has been disputed. I believe Asset Collections, Inc. 's conduct violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g governing debt validation, and may also constitute false, misleading, or unfair collection practices under 15 U.S.C. 1692e and 1692f. I respectfully request that the CFPB investigate Asset Collections, Inc. 's debt collection practices, require the company to provide proper validation of the alleged debt, and determine whether its collection activities comply with federal consumer financial protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Today XX/XX/2026 at XXXX XXXX I called Sunrise Credit Services .. Not to obtain any conflict but to identify the discrepancy within my credit report. The account number for the collections stated by the collector 's XXXX is ( XXXX ) The account states or the XXXX stated which is a XXXX the XXXX XXXX stated that the account is cable in specific XXXX XXXX the bill issued is {$1400.00} opened XX/XX/2026. The problem is I have an XXXX XXXX XXXX connected to my XXXX TV I have a new charge on my account for Credit if possible can this issue be resolved or remove from my account 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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I called them about the annual fee. I asked them if they would waive the fee. I would keep the account open. If they couldnt then I would just close the account they would not waive the fee so I had them close the account. I asked them in that phone conversation if it was all set and if I owed anything else, and if I had to pay the {$99.00} fee, they told me no that I was all set and did not have to pay the fee. They were sending me emails and when I click to get on my account, I said the account was closed and a few months later I got an email from my XXXX XXXX that my score had dropped so when I looked into it, it was because of this account and when I called them and told them that that conversation, I thought I was all set and after I checked the first email it said the account was closed and over the phone they told me I was all set and didnt owe any money and I didnt realize that it was not all set

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 2026-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Monday, XX/XX/year>, I contacted Bank of America to request an emergency medical hardship stop payment on a recurring daycare transaction of {$140.00} due to an active billing dispute. My XXXX daughter is currently an oncology patient tracking at XXXX XXXX, and XXXX XXXX entering a continuous family medical leave period to care for her. Front-line representative XXXX ( XXXX ID : XXXX ) was explicitly hostile, refused to show empathy with some customer service during such an unfortunate event, and refused multiple direct requests to escalate the call to a supervisor. He intentionally trapped me on a silent hold for over XXXX minutes on your recorded line as a form of XXXX XXXX XXXX finally joined the line, she also refuse to process a medical hardship fee waiver, forcing an administrative runaround. When I requested a corporate escalation phone number to file a complaint regarding XXXX 's behavior, XXXX XXXX explicitly lied and stated that no corporate number or higher customer relations department existed. By stark contrast, my other financial institution, XXXX XXXX, processed the exact same medical hardship request with deep empathy and waived all associated fees within XXXX minutes. I refused to authorize Bank of America 's fee and hung up the phone. I am filing this formal complaint to demand that Bank of America XXXX XXXX XXXX pull the recording of this call to investigate the severe misconduct of employee XXXX and XXXX XXXX. A customer navigating a pediatric medical emergency should never be subjected to hostile retaliation and deceptive routing by your staff.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I previously held an XXXX XXXX AAdvantage credit card issued by XXXX. After the portfolio was moved to Citi, my account and card benefits were transferred. However, the XXXX {$99.00} companion certificates I earned before the transition were never delivered. On XX/XX/XXXX, I received an email ( attached ) from XXXX stating that the companion certificates would be deposited within XXXX weeks from XX/XX/XXXX. That timeframe has passed, and the certificates were never added to my AAdvantage account. I contacted XXXX, who confirmed the certificates should have been issued but stated they no longer manage the account. I contacted Citi, who indicated the benefit should have transferred but could not locate or reissue the certificates. I also contacted XXXX XXXX AAdvantage customer service, who stated they could not find any record of the certificates being sent. Each party directed me back to another, and the certificates remain missing.

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