vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Case # XXXX On XX/XX/2026, my new financial institution, XXXX, issued a full refinance payoff check to Ally Bank in the amount of the full amount owed on the loan. This check was successfully received and processed by Ally Bank, and my account was officially marked as closed/paid in full for accont ending in XXXX Despite the loan being completely satisfied, Ally Bank has held my property title hostage. I have contacted Ally Bank customer service numerous times on XXXX and XX/XX/2026. My refinancing bank has also contacted them directly on multiple occasions. Each time, we are given vague, scripted excuses regarding processing windows, but no actionable tracking information or physical paperwork has been provided. Ally Banks severe administrative negligence is causing immediate financial and legal harm. Without the physical title or an official lien release, my new lender can not secure their lien, putting my new loan contract in jeopardy and exposing me to potential contractual penalties. Furthermore, I legally own this vehicle and Ally Bank no longer has any financial interest or legal right to retain 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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX A Criminal Written Report From Early Warning Systems In Arizona .Confirmed Cybercrime Assault In Identity FRAUD By XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FDIC Financial Institution In Criminal Data Information Theft In Unauthorized Checking Account FRAUD And Two Criminal TRUIST Bank XXXX XXXX Credit Card Accounts by Underground Ergonomic Cybercrime Experian Credit File In XX/XX/XXXX Assigned Enterprise Fraud Director in Unauthorized Truist XXXX XXXX to Investigate IDENTITY FRAUD by Illegal DATA BREACH by Cybercrime at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and TRUIST BANK XXXX ( XXXX XXXX XXXX This Is A Malicious Financial Attack by Written Report in Early XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expungment Requirement in Unauthorized TRUIST BANK XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Electronic Information In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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: 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: PA

Complaint narrative:
I have XXXX charges on my credit card from Citi Bank that were made on XX/XX/year>. I tried to do the dispute online and it was not easy. I called Citi Bank XXXX XXXX. I was transferred to the dispute department XXXX times. I waited XXXX minutes XXXX and XXXX minutes XXXX. When the call went through to the fraud department each time, no one picked up the call - no one was there, just silence. Citi Bank is not helping its card customers. They are atrocious. I need to file a complaint against this bank as there is not way I can receive 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 monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was a CITI Bank/COSTCO visa account member for several years. I had a dispute of {$1.00} service fee charged to my HOA fee XXXX times for a total of {$5.00}. I called CITI Bank to dispute this charge to withhold payment on this issue. In XXXX they closed my account without warning. I also have a {$380.00} rewards money I earned that year XXXX I contacted the bank and the president of CITI Bank ( XXXX XXXX XXXX ) with no resolve in my favor on this issue. I also stated I would pay the disputed fee to reopen my account and receive my rewards money ; they wound not do that. I could open a new account only. I have lost my rewards money on that old account. Can you please help me to recover that money & reopen my old account.

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 — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TOWNE MORTGAGE COMPANY
State: CA

Complaint narrative:
Purchase-money loan ( Towne # XXXX, XXXX, XXXX XXXX trust property ). Towne originated ; servicing moved to XXXX XX/XX/year> XXXX My complaint is the origination file, not servicing. The source of funds was mischaracterized : funds that were in substance a loan against the trust were documented as a gift. The defect runs through the XXXX, the underwriting and AUS findings, the credit decision, the source-of-funds and gift-letter documentation, and the closing instructions to XXXX XXXX. It is material it changes who is obligated and whose interest is encumbered. I asked Towne for the origination file and an explanation of how the source of funds was characterized. Towne did not produce it or answer the gift-vs-loan question ; it redirected to the servicing transfer under RESPA XXXX. I seek : production of the full origination file ( XXXX, underwriting/AUS, credit decision, all source-of-funds and gift-letter records ) ; a written explanation of the characterization and its basis ; and correction of any inaccurate characterization or disclosure. I raised this with Towne already ( non-responsive ) and with a state regulator. Confirm the loan number, XXXX origination, and XX/XX/year> transfer against your docs, and keep the wording aligned with DIFS # XXXX / BBB # XXXX. No name/address/account number here, per CFPB.

Company public response: Company disputes the facts presented in the complaint
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 when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Processed a credit card payment on XX/XX/year> and the payment posted to the credit card account on that day and was applied to the account balance. However the credit was not made available for use. The payment processed against my external account on XX/XX/year> as " pending '' and cleared my external account on XXXX, 2026. I received multiple notifications from XX/XX/XXXX, XXXX XXXX, 2026, by text message, informing me the available credit had been applied to my account USAA informing XXXX the credit was available on my card. The USAA acount and XXXX XXXX account are linked to make it easier for the automated system to determine when a payment to USAA has cleared the XXXX XXXX account. However charges were declined for a payment of {$80.00} to XXXX XXXX days in a row. I logged into the mobile app and in lieu of the message informing me the credit was available on my card my account still reflected the credit had not been applied to my account. I contacted USAA today and was informed that it was thier intent to withold applying the credit to my card until XX/XX/year> ( 17 days after the payment was applied to the credit card account ). USAA offered no explanation as to why the credit was not going to be made available for use for 16 days after the payment cleared my account, did not explain why they would collect a payment from my account and withold that payment for 16 days after it successfully cleared my external account. The messages sent to my phone regarding the credit being applied to my credit card account were deleted. The messages in my USAA inbox informing me the credit was made available have also been deleted. However I do have screensots of XXXX or more of the messages.

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: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX, we went to a XXXX owner update. They asked us if we wanted a {$500.00} gift card or points. We said we wanted the gift card. When we went to the update they used a bait and switch tactic stating they werent giving gift cards, they were giving points. During the presentation, they used my personal profile which had my XXXX credit card on file because we were already paying on an older timeshare, to put a down payment of {$6000.00} on it. XXXX has since credited my account and is disputing the XXXX charge. XXXX XXXX XXXX, XXXX XXXX, then went behind our back and did a credit check, opened an account with Barclays and credit cards for me and my husband, XXXX for each of us, which we did not authorize. I received a statement from Barclays when I returned home showing a statement balance of {$23000.00} and a {$230.00} payment due on XX/XX/XXXX. Prior to doing the credit check on us, XXXX asked if we had gotten our XXXX rewards. We said no and little did we know that it was a XXXX rewards credit card with Barclays. I called Barclays and they said I didnt need to make the {$230.00} payment on XX/XX/XXXX. I called them again today to make sure they closed the account stating I was not paying any monies. I have also filed with the XXXX, XXXX XXXX, XXXX, XXXX card services, Barclays, and the FTC. To date, I am still waiting for a response from the XXXX out of XXXX Fla., XXXX, the FTC and XXXX. I have sent a second certified letter to XXXX on XX/XX/year>.

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: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: SC

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX Called the card customer service line to have the account closed. Was told by the customer service representative that the account could not be closed until all of the balance had been used. XX/XX/year> XXXXXXXX XXXX Called the card customer service line to have the account closed after using up almost all of the balance ( remaining balance of + {$9.00} ). Was told by the customer service representative that I could not close the account because there was a pending transaction by a merchant. The customer service representative instructed me to call the merchant and ask them to complete the transaction on their end so that the account XXXX be closed. Otherwise, they would be unable to close the account. XX/XX/year> XXXXXXXX XXXX Called the merchant customer service representative and informed them of what they card representative had said. Merchant customer service representative informed me that the payment had been completely posted on their end and that there was nothing else they could do. XX/XX/year> XXXXXXXX XXXX Called the card customer service line once more to have the account closed. I informed the card customer service representative of everything detailed above. The card cs representative then said that they would be unable to close the account since it would take XXXX business days for the payment to be posted. Upon asking for the specific policy/cardmember-agreement provision that allowed for this. I wasn't given an answer. I then asked to place the account in closure pending status, block new authorizations and recurring charges where possible, disable digital-wallet and card-on-file credentials, and confirm that the account will close automatically once the pending transaction posts or expires. The card XXXX representative told me they could not do that, since they still had a pending transaction. I then asked if I would be expected to pay any additional fees, they said that any additional incurred balance would have to paid off. The card cs representative added that they can only close an account with a positive balance. I asked for a supervisor. After being left on hold, they agreed to close the account and stated that a supervisor would call me. XX/XX/year> XXXXXXXX XXXX Supervisor called me back. Stated they will close the account. I received an email stating that the debit card was reported as stolen. She informed that it was necessary for the account to be closed. I asked for a written statement of everything that had occurred, including confirmation that the account and card had been closed. She stated that I should receive the email in XXXX hours.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a gift card ( Visa debit card ) from someone. It's under XXXX you have to set a XXXX digit PIN to use the card. But when you enter the account # and the XXXX digit pin on the back it says it can't find the account. There is also a phone number on the back XXXX it also asks you for the same numbers ( account and XXXX digit pin ) but same story, it can't find the account. There is no other option when you call in, it get 's stuck in the loop of asking for the account number. There is no other way to get ahold of the company, it's just that number and the 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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I submitted an application for. Frontier Airlines credit card. I sent in copies of my passport, drivers license and social security card. All Of those items were scanned clear copies of my documents and became they wont use the original clear copy of my documents and use a scanner they are saying they can not read my documents, I have spent over {$50.00} at XXXX among multiple copies and paying shipping fees for over 5 times. I faxed them and mailed a physical copy. If my original government identification is not good enough then what is. I am a legal citizen and provided all documents requested and at this point feel as if I am being discriminated against.

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 — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XXXX XXXX I had XXXX cash deposit and XXXX receiving XXXX transaction made in my checking account totaling {$1400.00}. A payment was made to my XXXX XXXX Credit card on XX/XX/2026 in the amount of {$200.00}. My XXXX XXXX Credit card payment was returned on XXXX XXXX due to Bank of America stated insuffient funds. On XX/XX/2026 a credit was posted to my checking account for {$200.00}. I didn't receive any notification of insufficient funds nor a text message or email declining this transaction. This caused my XXXX XXXX Credit card payment to be late as well as charging an excessive credit amount on top of my credit balance. I called Bank of America XXXX on XXXX XXXX and XX/XX/2026 and I was not satisfied with the customer representative resolution on my account. I was told on a recorded line on XX/XX/2026 at XXXXXXXX XXXX that the reason it was declined stated my available amount was {$40.00} and I am not allowed a copy of my bank statement, due to its an internal screen from Bank of America and I am not allowed to receive it. It's my account and I should have total access to everything that involves my transaction. This was XXXX out of many worst experiences I had with Bank of America. I'm glad I found this site and I look forward for a resolution.

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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2026, I deposited a legitimate XXXX XXXX XXXX Cashier 's Check for {$130000.00} into my Wells Fargo checking account, which I have held for XXXX years. Wells Fargo placed a hold on the entire amount until XX/XX/2026, and flagged it as 'please contact check writer. 'Wells Fargo is in violation of Federal Reserve Regulation CC . Because this is a cashier 's check, they are legally required to make the first {$5500.00} available by the next business day ( XX/XX/XXXX ). Furthermore, Wells Fargo failed to provide me with the mandatory written or digital 'Notice of Hold " explaining why they are withholding the federally mandated next-day funds. They refuse to verify the check with XXXX XXXX XXXX. I am requesting an immediate manual override and release of my funds.

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 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
M & T Bank Refusal to Remove Escrow on XXXX XXXX XXXX XXXX I am filing a formal complaint against M & T Bank for failing to process my request to waive/discontinue my mortgage escrow account. My conventional mortgage loan is owned by XXXX XXXX and was originated in XX/XX/XXXX. I meet and exceed all investor baseline criteria for escrow removal under XXXX XXXX XXXX Seller/Servicer Guide Section 8201.1 ( Waiver of Escrow accounts/ Circumstances in which Escrow may be discontinued ) : 1. Loan-to-Value ( LTV ) Ratio : My current LTV is approximately XXXX XXXX which is well below the XXXX XXXX threshold required by XXXX XXXX guidelines. XXXX. Seasoning : My loan has been active for over 5 years, passing any minimum history requirements. XXXX. Payment History : I have an excellent payment history with XXXX XXXX delinquencies. On XX/XX/XXXX, I sent a formal written email to M & T Banks mortgage servicing department requesting an escrow waiver based on XXXX XXXX guidelines. It has been 9 days, and the bank has failed to provide a meaningful response, approve my request, or supply a valid legal reason for keeping the escrow account active. Despite fulfilling the guidelines above, M & T Bank has not allowed me to waive my escrow account. While I understand that servicers retain some policy discretion, a flat refusal to process a waiver for a borrower with a 60 % XXXX and perfect payment history violates standard servicing practices and demonstrates a lack of good-faith evaluation of my financial capacity. I request that M & T Bank immediately review my account under XXXX XXXX 's standard guidelines, approve the removal of my property tax and insurance escrow accounts, and allow me to pay these expenses directly.

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