vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
i called the repossession company on monday ( everything is documented ) & i asked them about their availability & flexibility so i can come pick up my things. they told me i can come anytime monday-fri. which they told me their availability hours are XXXX XXXX officially but sometimes they close at XXXX the phone ended up disconnecting & so i called again & their was a lady. she told me the only things i needed to pick up things from my vehicle was my id & they keys to my car. informed her that my id is my car & she told me that was fine as long as i could verify who i was then i could get my things. they never once mentioned an appointment. so i get there today trying to get my things & they are closed XXXX mins earlier. we got there at XXXX & once i saw no one was there i called them. they lady ultimately told us to leave the property or well be trespassed. so i reached out to my lender & the rep wasnt assisting me in the way i needed so i asked could someone better assist me. & he hung up the phone in my face & when i tried to call back using that number the line just disconnected. after going through the same steps as usual. using that phone number i was not able to contact my lender again. so i use another number to file a complaint against the guy & the lady who answered the phone wouldnt even give me her real name so i could document that the complaint had been filed. not to mention there is no documentation on my end that company to provides to even ensure that the complaint was filed. i dont understand why i couldnt have confirmation sent my email or number. & they lady was being so rude like i was asking for A LOT. i had just went a whole hour away to retrieve my things, just to get treated with disrespect by my lender and the repo company.

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 2026-07-01 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
The customer did not authorize fraudulent promotional interest charges of {$2200.00} to the account. The customer requested XXXX to submit purchase contracts for proof of {$2200.00} charged on this report and debt valuation.

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 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Paid a payment of XXXX plus a tax deal of XXXX to own the vehicle and be done with payments in XX/XX/XXXX. Paid them and received a letter in mail stating I own the car. They even updated the credit bureaus letting them know its closed account and Paid off. Never received a letter after that instead a year later at tax time XXXX out of blue I receive a letter stating that I need to pay the full balance of XXXX something or have my car taken. I called them up they said I dont owe anything and stated they see the letter saying its paid off and would fix it so it shows I own it. Thought it was handled till yesterday when I went to trade in my vehicle and found that it wasn't. Spoke to a supervisor who told me that they dont care what my bank statements say or what was reported to cresit bureaus and they dont want proof it was paid that i have to either pay {$250.00} or the XXXX balance to receive another paid off paper in the mail saying I own it and to fix it in the system so it shows paid off even though they know they sent out a paper as it shows in system I own it and reported to credit bureaus as paid off. I paid the XXXX which I was told it was stated in notes by supervisor to pay to own the car free and clear it was pulled and processed today so they received it on their end and now they're back to saying I owe money still and refuse to fix the situation so I can get the title.

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 2026-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX never sent me mail about the debt. I always wanted to pay but couldn't because of a pin. Credit collector never wanted to be recorded to verify information by phone. I have recording of the calls.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my Citibank checking account in XXXX, when it did not have a monthly maintenance fee. Beginning in XX/XX/XXXX, Citibank started charging a XX/XX/XXXX monthly service fee, which continued through XX/XX/XXXX. I did not log into my online banking during this period and was not aware that my account had been converted to a fee-based checking account. I did not receive any effective notice that monthly service fees had begun or that I needed to take action to avoid them. In XX/XX/XXXX, I discovered that I could no longer access my online banking. I visited a Citibank branch and was informed that my account had been placed in an inactive/blocked status. The branch helped reactivate my account. Despite my account being inactive/inaccessible, Citibank had continued assessing monthly service fees. XX/XX/XXXX through XX/XX/XXXX : XX/XX/XXXX monthly service fees totaling {$300.00}

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 2026-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint Narrative Subject : Delayed Payment Processing and Unwarranted Late Fees by Wells Fargo Bank , N.A . Incident Details : Payment Amount : {$3600.00} ( Paid in full ) Payment Initiation Date : XX/XX/year>2026 Financial Institution : XXXX Bank ( Paying Account ) Receiving Institution : Wells Fargo Bank , N.A . Wells Fargo Due Date : XX/XX/year>2026 Description of Issue : On XX/XX/year>2026, I initiated a final payment of {$3600.00} from my XXXX Bank account to Wells Fargo Bank , N.A . to pay off my balance in full. On XX/XX/year>, XXXX Bank verified that Wells Fargo received this bank check on XX/XX/year>2026. Following XXXXXXXX XXXX advice, I contacted Wells Fargo customer service on XX/XX/year>2026, to confirm receipt and posting. The representative, XXXX, stated that no payment was visible on my account. Despite my providing XXXX XXXX verification data, she refused to document this on my file or adjust my account status. Furthermore, a representative I spoke with XXXX weeks prior assured me I could adjust my due date to accommodate processing times. However, XXXX denied this request to move the XX/XX/XXXX due date, stating I would incur a late fee. This contradicts previous representative statements that payments are not always posted the day they are physically received. As a new customer since XX/XX/scrub> 2026 who has made all prior payments on time, this is the XXXX instance where I have had to call regarding delayed payment posting. Charging late fees while holding a verified bank check is an unfair and predatory business practice. The customer service response was rushed, unhelpful, and dismissed verifiable bank tracking data. Requested Resolution : I request that Wells Fargo immediately locate and post my XX/XX/XXXX payment, waive any pending late fees or finance charges, and ensure no negative reporting is sent to the credit bureaus. 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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Just this week alone, Citibank has called me nine times

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 2026-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I applied for a loan due to financial hardship and needing to get my car fixed in which I kept receiving text messages but I was busy at work. So because I did not answer their calls or texts they proceeded to call my work and tell my coworker they are calling from XXXX then I get on the phone in front of co-workers for the loan company to then tell me am approved for a XXXX loan and my payments were XXXX biweekly, with XXXX going towards the principal! I couldn't defend myself because i was so embarrassed and had no way to respond without embarrassing myself further. so XXXX a month towards a XXXX loan at XXXX biweekly for XXXX plus years??

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 2026-07-01 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a new Citi XXXX Credit Card, I can not activate the card, I can not get through to customer service, I waited on hold for XXXXXX/XX/XXXXand then the call for help did not connect, I have contacted the CEO and now I am on hold again XXXXXX/XX/XXXX for help. I can not activate the card even though I gave them all the correct information and have done so with foreign customer support, on line and using their app. This is the second credit card this company has done this with. I now have a {$1000.00} XXXX Limit and I can't use the card because I can not even activate the card, on hold again for another XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2026-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I received a letter from " Newrez '' thats dated XX/XX/year> which states I have an outstanding balance on my mortgage that is needed to reinstate my mortgage. The amount is {$3600.00} no later than XX/XX/year>. In which, I have made 2 payments totaling {$1900.00}. Therefore, I presently owe for XXXX and XXXX. Therefore, as of this date I am only 30 days behind on my mortgage. The mortgage has never gone into foreclosure. Also, my loan was transferred to this company on XX/XX/year> ( 30 days ago ) The letter has a charge in the amount of {$890.00} that states it is for : " Unapplied Corporate Advance/ Late/ NSF/ Attorney Fees '' And the amount of {$890.00} has an astrick mark behind it. This fee was not carried over from my other servicer, therefore I don't understand that. Also, the entire literature : My loan is having to be reinstated??? This company has caused me teary and sleepless nights. This is the second time in one month I have sent them a certified letter for explanations of my account. I've also filed 2 complaints with CFPB as well. Please help me with this company, it is so unfair a loan can be transferred without the consumer having no say in the matter. Now, I'm left to deal with this new company. That has my mind so consumed and my nerves are so bad. Here lately I've just been asking XXXX to please help me! Because I feel I'm on the verge of a XXXX XXXX One minute this company says their a mortgage company and in the next instant their saying their a debt collector. NOT the speech of " This is an attempt to collect a debt ''. No, on their forms it says they are a debt collector. Please HELP!

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-01 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: CITIBANK, N.A.
State: CO

Complaint narrative:
b"Hi, i had a car accident a few years ago and am under the care of a law firm who pays for my XXXX XXXX XXXX trips. \nThis is well documented.\nThis ride was under the firm, not me personally, but it was accidentally charged to me and needs to be disputed.\n\nMy dispute was closed without citi asking me for more information or documentation. I fear they are using AI to process some of these disputes.\n\nI would like to reopen this and i can show documentation to citi to confirm this was under the law firm, Wilhite, not my personal one, and should be removed from my citi account, asap. \n\nthank you\nLXXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX Investigation complete\nResolved - Customer Responsible XXXX XXXX XXXXnView less \nDispute Details\nCase XXXXnReason for Dispute\nGoods / services never received\nCard Details\nCard ending in XXXX XXXXCredit Status\nConditional Credit Reversed\nDispute Received\n\nXXXX XXXX XXXXncomplete step\nMerchant Contacted\n\nXXXX XXXX XXXXcomplete step\nMerchant Responded\nXXXX XXXX XXXXncomplete step\nResolved - Customer Responsible\XXXX XXXX XXXXnWe've Completed Our Investigation\nA letter detailing your dispute resolution is available in your Notices & Letters.\nThe conditional credit we previously issued will be reversed."

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA failed to credit my checking account with two merchant refunds of {$100.00} and {$200.00} sent via XXXX XXXX to a virtual card on a replaced device. The details are below : Two purchases were made of {$100.00} ( XXXX XXXX XXXX ) and {$200.00} ( XXXX XXXX XXXX ) to merchant Iowa XXXX XXXX XXXX IA on XX/XX/XXXX via Apple Pay using USAA Visa debit card ending XXXX ( a virtualized card number tokenized via Apple Pay ). The actual physical debit card associated to XXXX XXXX is card ending XXXX and is the debit card for USAA checking account ending XXXX. The merchant name appearing on statement as : SQ * IOWA XXXX XXXX XXXX IA. The transaction type : XXXX XXXX. Refunds were later requested from this same merchant Iowa XXXX XXXX XXXX IA, and XXXX returns were issued as Cancelled Order for the same {$100.00} and {$200.00} on XX/XX/XXXX and processed to the same USAA Visa debit card ending XXXX ( the virtualized card number tokenized via Apple Pay ). However, that Apply Pay device has since been replaced. And, my USAA checking account ending XXXX did not receive the issued refunds. Square support ( the merchants POS provider ) was contacted and confirmed the refund transaction was successful and did not result in a failed transaction. It is believed that USAA received the funds into an internal holding ledger but thus far has failed to willingly locate the unlinked credit and apply to my checking account. I have filed three internal disputes ( with escalations ), as well as a missing ACH/Credit submission. Each submission I have been provided different guidance ranging from transaction dispute to employee dispute to dispute escalations, and in all cases, the representative confirms that theres no way to phone contact anyone through the escalations and there is no way to physically contact someone in the ACH/Credit department XXXX I am hoping the CFPB inquiry not only results in the proper credits to my account, but also process changes and knowledge sharing for their staff to be able to successfully help customers with similar issues like mine. The layers and layers of USAA has grown too large to be a personal banking representative.

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 2026-07-01 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: Valor Intelligent Processing, LLC
State: NC

Complaint narrative:
I believe my rights under the Fair Credit Reporting Act have been violated due to inaccurate information being reported on my credit file. I have disputed the errors and requested that they be properly investigated and corrected, but the inaccurate reporting has continued to negatively impact my ability to obtain housing and credit. Im asking that all information reported about me be accurate, complete, and fully verified as required by law. I will continue to exercise my rights to dispute inaccurate information and seek correction through the appropriate legal and regulatory channels. Consumers deserve fair and accurate credit reporting. If inaccurate information is affecting your credit, know your rights and keep records of all communications and disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I dispute the accuracy and legal enforceability of the account that Waypoint Resource Group LLC is reporting on my personal consumer credit reports. I believe this account originated from a Spectrum business account rather than a personal consumer account. Despite this, Waypoint is reporting the account as an Individual Account on my consumer credit reports. I requested validation of this alleged debt and documentation establishing that I am personally liable. Specifically, I requested documentation showing that I personally entered into the agreement, any signed application or personal guaranty, the complete billing history, an itemized accounting of the balance, and documentation establishing Waypoints authority to collect this debt. To date, Waypoint has continued furnishing information to the consumer reporting agencies without providing documentation establishing my personal liability for this alleged obligation. I dispute both the ownership and accuracy of this account and whether it is properly reportable as my individual debt. If this account originated as a business obligation, Waypoint should provide documentation establishing that I personally guaranteed or otherwise assumed legal responsibility for it. I believe reporting an account as an individual consumer obligation without adequate documentation of personal liability may result in inaccurate information being furnished to consumer reporting agencies. I am requesting that the CFPB review this matter and require Waypoint to conduct a reasonable investigation and provide the documentation supporting its reporting.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
When I opened my new checking and savings account at US Bank in XXXX, TN, I was told XXXX things I'm disputing : First, I was entitled to an interest free credit card for a year to consolidate credit card fees. I was told that I had initially been approved. I later received a letter and not my card claiming a bankruptcy from 3 years ago didn't qualify me. Secondly, the reason I joined this bank was because of an added {$450.00} bonus after XXXX consecutive direct deposits totaling over {$10000.00}. I've now deposited close to {$20000.00} with their bank manager admitting he lied about this money bonus program eligibility requirements and a 4 day gap in qualifying. So, does the branch manager not know his job? Their recent bonus ended XX/XX/XXXX in which I had XXXX qualifying direct deposits. I just left the XXXX, TN branch feeling disrespected and dismissed. How many other people are they trying to scam?

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