vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited a {$500.00} check from XXXX XXXX into my Bank of America account ending in XXXX. A Bank of America representative told me the check had cleared, so I sent {$500.00} to XXXX XXXX. The check later returned as fraudulent. Instead of helping me, Bank of America closed my account for " fraud '' and reported me to ChexSystems, making it impossible to open a new bank account for up to XXXX years. I am a scam victim, not a fraud perpetrator. I have already filed a complaint with the FBI XXXX ( ID : XXXX ). Bank of America refuses to negotiate or correct my records.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX account was closed with a balance of {$1900.00}. I have called regarding the refund on XX/XX/XXXX, XXXX, as well as on XX/XX/XXXX, XXXX, XXXX, and XXXX. Call on XX/XX/XXXX was the 1st time I spoke with a supervisor who said I would get a callback regarding my refund. Upon receiving no return call, I contacted the Netspend customer service line again on XX/XX/XXXX for them to try to have me on mute for most of the hour the call lasted. After I refused to disconnect, they claimed to send me to a supervisor who stated they are sending a follow up but refused to give an update, confirmation email, or estimated date of when I am to get my refund.

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 2026-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Company : Express Recovery Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 2 related medical collection accounts Date of calls : XX/XX/XXXX, approximately XXXX MST and XXXX MST What happened : I have 3 medical collection accounts with Express Recovery Services from University XXXX XXXX XXXX . Date of service for all accounts was XX/XX/XXXX. On my first call with an XXXX XXXX representative on XX/XX/XXXX XXXX MST , the representative explicitly stated that 2 of the 3 accounts can not be reported to credit bureaus because the balances are under {$500.00}. This is correct per the nationwide credit bureau policy effective XX/XX/XXXX. Immediately after admitting those 2 accounts are unreportable, the representative asked me, Why wouldnt you pay for a debt? Arent you a man of your word? This statement violates FDCPA Section 807 ( 10 ) which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. The representative falsely represented the legal status of the debt by implying I have a moral or credit obligation to pay accounts she already admitted have no credit reporting leverage. The collectible amount for credit purposes is {$0.00}, yet she attempted to collect the full balance using deceptive moral shaming. I called back on XX/XX/XXXX XXXX MST to address this violation. When I stated I would sue them for breaking the law, the representative deflected and refused to address the FDCPA violation. She only stated Well its valid so its on your credit, referring to the third account for {$660.00}, and gave me the runaround regarding her prior statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have requested a hardship or account help between my credit line, loan and credit cards but they keep hanging up on me or sending me to the wrong dept.I have called every different number they have given, if I am transferred I get hung up on. I am trying to resolve my depts before they go late but I can not get any help from US bank to take care of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my checking account balance reached {$0.00} following a final withdrawal. I initiated a closure request with Citibank that same day. Over the next eighteen days, I contacted the bank five more times, on approximately XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each attempt coming sooner than the last as it became clear the prior contact had produced nothing. The six contacts combined phone calls and online chat sessions. Each required navigating Citibank 's automated routing system before reaching a representative, and each ended with an assurance that the account would be closed. None of those assurances were honored. This was not a dormant or nominal account. I had maintained an average monthly balance of {$1200.00} and directed substantial funds through Citibank over the course of our relationship. On XX/XX/XXXX, eight days after my final closure attempt, Citibank assessed a {$15.00} Monthly Service Fee against the empty account, producing a balance of - {$15.00}. That fee has no legitimate basis. The account should not have been active on the date it was charged. The CFPB 's own complaint database and a XX/XX/XXXX U.S. Senate Banking Committee analysis document XXXX improper closure complaints filed against Citigroup, among the highest volumes of any XXXX XXXX. The Committee found that Citigroup and three peer institutions together generated more than half of all debanking-related complaints filed during the study period. The CFPB has acknowledged that filed complaints represent only a fraction of consumers actually harmed. In XX/XX/XXXX, XXXX XXXX issued an enforcement order against Citibank for violations of the Equal Credit Opportunity Act, imposing a {$24.00} XXXX civil penalty and requiring {$1.00} XXXX in consumer redress. Citibank abolished overdraft fees in XX/XX/XXXX. The {$15.00} charge is a Monthly Service Fee, made possible only by Citibank 's refusal to act on six documented closure requests over eighteen days. The conduct violates the prohibition on unfair and deceptive acts or practices under the Consumer Financial Protection Act, Citibank 's obligations under Regulation E to process account instructions accurately, and CFPA Section 1031, which bars practices causing consumers substantial injury they can not reasonably avoid.

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 2026-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
the Bank of America user interface explicitly confirmed to me that the transactions were processed successful. Furthermore, XXXX XXXX initially also issued electronic confirmations verifying the receipt of these payments based on the cleared data transmitted by the network. Only to be refunded a day later with no warning, This has been a recurring technical defect in the system : after speaking to a representative, they admitted that the system is inconsistent but working as designed. The system is currently working like a XXXX so most like you have to wait to see if the payment is processed or not. As a direct and proximate result of this chronic interface failure, I have suffered the following distinct damages : Financial Penalties : XXXX XXXX has assessed punitive late fees and ballooned payment requirements due to the reversed funds. Severe Credit Degradation : Because the payments were recorded as missing due to your system rollbacks, derogatory " late payment '' remarks and reporting actions have been levied against my credit profile. This unexpected " hard hit '' has severely compromised my XXXX score and borrowing power.

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 2026-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my balance was XXXX I have paid this company {$480.00} every month i have paid XXXX They are reporting inaccuracy and on XX/XX/XXXX after 10 months paying close to {$500.00} dollars my remaining balance is XXXX On the receipt they give me is saying Im paying nothing but interest is my balance is not lowering

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 2026-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received an alert from XXXX stating that a new Installment Loan inquiry was done on XX/XX/year> at XXXX. In looking at my XXXX account, I was able to determine that a hard pull on my credit was done by Citibank Best Buy at that time. There was also a SSN inquiry done and a sex offender inquiry done. I immediately froze my account with XXXX. Then, I tried to contact both XXXX and Citibank Best Buy immediately ; however, since it was a Saturday evening, both offices were closed. I called XXXX earlier in the day on XX/XX/year> about this to dispute. They found the inquiry and escalated. They then redirected me to ftc.gov, which then redirected me here. I tried to contact Citibank Best Buy. They were unable to find an account in my name, SSN, or phone number ; however, apparently, that doesn't necessarily mean an account wasn't open at that time. I personally DID NOT apply for credit on XX/XX/year> anywhere. Whatever credit/information pull was done or account was open was not me and done fraudulently on my behalf. I need this information to be relayed or ( re ) relayed to XXXX, XXXX, and XXXX accordingly please.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Closed my account with my rent money in it. I have no accesss to my funds and asked for when will I be able to get my money back

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 2026-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
I am filing a complaint against Ability Recovery Services , LLC regarding a collection account they are reporting to XXXX XXXX, and XXXX in the amount of approximately {$4700.00}. The company claims the debt originated with XXXX XXXX XXXX and relates to services allegedly provided in XXXX. I dispute the debt as it does not belong to me. When I saw it on my credit report, I called the company and said that the debt was not mine nor do I receive medical care at this facility. Then they said it was for my daughter who was a XXXX at the time. I told them my daughter has not received care at this hospital since she was born there in XXXX, and most certainly was not there for a visit in XXXX because I would have had to drive her ( she was XXXX at that time! ). I have contacted XXXX XXXX XXXX multiple times and spoken with representatives in billing and customer service -- most recently with someone today at XXXX XXXX named XXXX. I have been informed that they have no record of any account, outstanding balance, collection placement, or medical services associated with either my name or my daughter 's name. Because XXXX XXXX XXXX states that no such account exists, I requested that Ability Recovery Services provide documentation establishing that the debt belongs to me. Instead of providing sufficient documentation, the company advised me that I could pay approximately {$2300.00} to resolve the matter. When I called back another day, the woman I spoke with ( at Ability!!! ) told me I should file a police report against them. Seriously -- I can not make this up. I do not owe this debt and should not be required to pay money to remove inaccurate information from my credit reports. The account has significantly damaged my credit standing and caused a substantial decrease in my XXXX score. Therefore I am requesting that Ability Recovery Services immediately : Correct this inaccurate reporting ; and Delete the account from all consumer reporting agencies as this debt does not belong to me. I am seeking removal of the inaccurate tradeline and correction of my credit reports 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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am requesting that my case be reopened. Wells Fargo has issued repeated denial packets without ever requesting or reviewing the extensive evidence packet I prepared. Their responses recycle my own account statements and prior denials, with no new investigative material, no law enforcement correspondence, and no disclosure of the recovery chain they claim exists. On XXXXXXXX XXXX, I submitted a rebuttal letter documenting contradictions ( premature denials, recovery concealment, account timeline fraud, creditlimit manipulation, early credit reporting, dutyofcare failure, trauma impact, and evidence obstruction ). Wells Fargo has not confirmed receipt of this rebuttal. I ask CFPB to reopen this case, require Wells Fargo to review my evidence packet, and compel them to disclose the investigative basis for their denials.

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 2026-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a PayPal XXXX account which I no longer use, so I wanted to close it. This account is managed by Synchrony Bank, so it was difficult to find the right way to handle it. First, I checked my statement to see if they have a phone number there in regards to managing the account. The statement only has one phone number listed on it : " In case of errors or questions about your electronic transfers, Telephone us at XXXX or Write the PayPal Error Resolution Department at XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX '' This shows the information about improper charges or transfers, but nothing to do with actually closing the account. I then went on the website to see what PayPal says about closing this account. " How do I close my PayPal XXXX? Please contact customer service if you want to close your PayPal XXXX. You'll need to make sure that the balance in your PayPal XXXX is XXXX before requesting its closure.It can take up to 3 days for the account to close. If you move outside of the US, you should contact customer service to have yourPayPal XXXX closed. '' I clicked on the hyperlink for customer service and was brought to PayPal 's AI chatbot. To the chatbot, I repeatedly only said " Close paypal savings account. '' To this, the chatbot either mistakenly thought I was asking about closing my general PayPal account or would say " I'm sorry, I'm not able to help with that right now. Let me connect you with the right support to assist you further. '' But it would not connect me to anyone and remained frozen there. I then went on Synchrony 's website to see if I could close it from there. There is a " Find account '' button, but when I click on " PayPal, '' it just linked me back to PayPal 's website. Finally, I called Synchrony 's bank services phone number ( XXXX ). It asks you to put in your account number, but it did not recognize it. Even more so, it says that Synchrony account numbers are 10 digits, but on the statement, the account number is longer than 10 digits. I was connected to a real person, and I told her I'm calling regarding PayPal 's XXXX account specifically. She said she would transfer me in which I was on hold for a few minutes and then told by an automated voice that my call could not be answered ( despite it being during regular hours ). It should not be this difficult to do something this simple.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC # XXXX I am unaware of this alleged debt and was not provided an opportunity to dispute it. If you believe proper notice was given, please provide a copy of the certified letter along with proof of delivery, including a receipt bearing my name and signature. If you are unable to provide this documentation, I request that this account be removed from my credit report immediately. Additionally, I reserve the right to file a complaint regarding any non-compliance with applicable consumer protection and credit reporting laws

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LOCKHART, MORRIS & XXXX # XXXX I am unaware of this debt, and didnt have the opportunity to dispute this debt. If you believe proper notification was provided, please produce a Certified Letter, with the receipt bearing my name with my signature on it. If not, please remove this off my credit report ASAP! I also will be making an unlawful non-compliance complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 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: TX

Complaint narrative:
I had submitted forms from the smart start to my credit company as proof I was being charged for something that smart start had removed and citi rejected my dispute and is making me pay even though smart start has that they removed on there it on website. citi is still charging me! The documents I sent were from smart starts website.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have never opened a citibank. Please remove this account within XXXX business days.

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 2026-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: HI

Complaint narrative:
I am filing a formal complaint against Sallie Mae for predatory, inflexible collection practices regarding my private student loans. I am a XXXX XXXX currently in recovery, following an extensive XXXX medical timeline that included a XXXX XXXX major XXXX, and a XXXX XXXX that left me physically unable to work for half of last year. I am currently back at work at XXXX XXXX XXXX as a XXXX Coordinator, but my hours fluctuate heavily due to my ongoing medical recovery and my duties as the primary weekday caregiver for my ailing grandmother. Furthermore, my area was hit by the federally recognized XXXXXXXX XXXX XXXX XXXX disaster, placing my federal student loans into an official Natural Disaster Forbearance. On XX/XX/XXXX, I completed a thorough financial means-test screening with a Sallie Mae chat representative ( XXXX ) XXXX I verified with paystub data that my current gross monthly average income is {$170.00}, and my net take-home pay is roughly {$150.00} a month. I live with family who absorbs my rent, utilities, and grocery costs so I can survive. My total liquid savings ( {$1600.00} ) is an emergency safety net dedicated strictly to my ongoing medical recovery, prescriptions, and basic survival. The representative acknowledged and typed " Correct! '' when I pointed out that his system 's counter-offerthe Step-Up Repayment Program demanding {$410.00} a month in mandatory auto-debitsis nearly triple my entire monthly income and would cause immediate financial ruin and overdraft default. Despite verifying these extreme medical and financial hardships, the representative stated : " There is nothing anyone else can do... There is nothing you can appeal, '' and refused to escalate my file for a manual human override or an affordable hardship forbearance. I am acting in complete good faith and offered a XXXX XXXX monthly payment to prevent default. I am requesting an executive-level manual review of my file by Sallie Mae to bypass their automated system floors and grant a sustainable, long-term Hardship Forbearance or an affordable Loan Modification that reflects my documented medical and financial reality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation