vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MO

Complaint narrative:
I dispute the response provided by American Profit Recovery because it fails to address the substance of my complaint. The company simply stated that the account had not previously been disputed with its office, claimed compliance with the FDCPA, and indicated it would mark the account as disputed and provide validation. However, it did not provide any evidence demonstrating that it conducted a reasonable investigation before furnishing or continuing to furnish this account to the consumer reporting agencies. I requested validation because I questioned the accuracy and legal enforceability of this alleged debt. Instead of providing competent evidence, such as a signed agreement, complete payment history, chain of assignment, or documentation supporting the balance owed, the company responded with general statements of compliance. A conclusory statement is not proof that the debt has been properly validated or that the information being reported is accurate. The continued reporting of this account has negatively affected my credit profile and has caused unnecessary stress and financial hardship. I am requesting that American Profit Recovery either provide complete documentation establishing its legal authority to collect and report this account or immediately request deletion of the account from all consumer reporting agencies if it can not substantiate its reporting with competent evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding the handling of my auto loan account with Ally Financial. On XX/XX/XXXX, Ally Financial charged off my auto loan in the amount of {$6100.00} after I had voluntarily surrendered my vehicle due to financial hardship. I was never notified that my account had been charged off. I only became aware of the charge-off after reviewing my credit report and discovering that my credit score had dropped by approximately XXXX points. After seeing the charge-off on my credit report, I contacted Ally Financial to ask why my account had been charged off without my knowledge. I explained that I had voluntarily surrendered the vehicle because of financial hardship and that I had not been given any opportunity to discuss hardship assistance, repayment options, or any alternative before the account was written off. The representative informed me that there was nothing they could do and ended the call before addressing my concerns. Shortly afterward, I began receiving calls from a third-party collection agency requesting payment. This was confusing because I had never been informed that my account had been charged off or transferred for collection. I have disputed this reporting on XXXX separate occasions, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but each dispute was denied without a satisfactory explanation or investigation. I am requesting that the CFPB investigate whether Ally Financial complied with its obligations regarding notification of the charge-off, the accuracy of the information reported to the credit bureaus, and its handling of my account after my voluntary surrender. I also request that Ally Financial provide documentation showing when and how I was notified of the charge-off, explain the basis for denying my disputes, and review whether the reporting is accurate and should remain on my credit reports. I am seeking a fair resolution and a thorough review of my account, as I do not believe I was provided appropriate notice or a meaningful opportunity to address the remaining balance before the charge-off was reported.

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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I invested money on this platform and now it will not let me get my money off or de-invest it

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We are filing this complaint regarding unauthorized recurring ACH debits and Citibank Checking Plus charges on our joint Citibank , N.A . account ending XXXX. We raised a formal dispute with Citibank on XX/XX/XXXX ( Citi case reference XXXX ). A parallel complaint is being filed with the OCC. For approximately XXXX years from roughly XXXX or XXXX through the present Citibank has processed recurring debits against this account that we did not authorize : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) : recurring ACH debits of {$470.00}, posting on the first day of the month. We have not personally withdrawn funds from this account, or authorized any recurring withdrawals from it, since XXXX. ( XXXX XXXX XXXX XXXX XXXX : recurring XXXX debits of {$490.00}, posting on the first day of the month. The full date range and frequency were not provided to us by Citibank during our XX/XX/XXXX telephone contact and must be established from Citibank 's transaction records. ( XXXX ) Citibank Checking Plus : charges assessed over the same period, reflecting an outstanding balance owed by us of {$970.00} as of XX/XX/XXXX at XXXX. We did not authorize the activation, use, or continued maintenance of this Checking Plus facility. We believe this conduct implicates Regulation E ( 12 CFR Part 1005 ), which requires consumer authorization for preauthorized electronic fund transfers to be in writing, signed or similarly authenticated by the consumer, with a copy provided to the consumer. We have requested Citibank produce any standing ACH authorization, mandate, or enrollment record it purports to hold for these debits and for the Checking Plus facility. None has been provided. During our XX/XX/XXXX telephone contact, Citibank 's representative asked us to supply the dates and amounts of the disputed transactions transactions that were originated, processed, and recorded entirely within Citibank 's own systems and whose complete record resides solely in Citibank 's transaction history. We provided the specifications for each payee ( XXXX at {$470.00} ; XXXX XXXX XXXX at {$490.00} We are asking Citibank to : ( a ) Produce any ACH authorization, mandate, or enrollment record on file for the XXXX debits, the XXXX XXXX XXXX debits, and the Checking Plus facility ; ( b ) Produce a complete transaction history for account ending XXXX from XX/XX/XXXX to the present, identifying every debit to XXXX and to XXXX XXXX XXXX, and every charge, advance, fee, and interest assessment posted to the Checking Plus facility, including dates, amounts, frequency, and originator information ;

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We have a CITI card ( XXXX XXXX ) ending in XXXX. We are elderly and receive paper bills the end of each month. For whatever reason, we never received a bill the end of XXXX and were assessed a late fee of {$41.00} and an interest fee of {$34.00}. XXXX our XXXX credit rating is XXXX! We protested the charges to no avail as this mail glitch had also happened in XXXX. We spoke with a XXXX on a recorded line and asked to pay the entire charges and that we wanted to stop our credit card based on this. We were told that the charges were {$1800.00} and we paid that in full on XX/XX/XXXX. We then stopped our credit card. Yesterday we received yet another bill from CITI card for an additional interest payment of {$26.00}. In speaking with customer relations today, the agent said those charges would not have been known at the time of our XX/XX/XXXX payment. Really.... they don't have a running account of what the customer owes and they don't have the transparency to tell the customer that there will be another interest payment due? I feel this is unfair practice and lacks transparency. In good faith, I paid my bill 'in full ' on XX/XX/XXXX and stopped the credit card. Management at CITI card never said otherwise. This is bilking the consumer.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint because U.S. Bank denied my fraud claim for a {$1900.00} XXXX transaction that was connected to a scam. The scam began when I received emails from people falsely claiming to be associated with XXXX. They then called me and continued the scam by pretending to be connected to XXXX. I have copies of the emails from the scammers and can provide them. When the {$1900.00} XXXX transaction occurred, U.S. Bank sent me a fraud-alert text asking about the transaction. I responded that I did not authorize the transaction. I then immediately contacted U.S. Bank, explained that I had been scammed, and filed a fraud claim. U.S. Bank initially issued a provisional credit, but later denied my claim. I received a denial letter dated XX/XX/year> stating that the transaction was correct as billed because I received the services represented by the transaction. That is false. I received no rental booking, no goods, no services, and no benefit from this transaction. When I called U.S. Bank after receiving the denial, I was told the claim was denied because I provided my information. That explanation ignores the fact that my information was provided only because I was deceived by people falsely claiming to be connected to XXXX. U.S. Bank never meaningfully asked for my side of the story before denying the claim. I have requested copies of all documents, merchant responses, transaction records, investigation notes, account notes, and evidence U.S. Bank relied on to deny my claim. U.S. Bank has not provided those documents yet. I am asking U.S. Bank to reopen the fraud claim, reverse the denial, restore the {$1900.00}, provide all documents and evidence used to deny the claim, and explain why it concluded that I received services or benefited from this scam transaction.

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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken
State: IN

Complaint narrative:
I have been an active user on Kraken since XXXX. I'd transferred approximately {$4500.00} between XXXX into a digital wallet. Last log in was approximately the week of XX/XX/XXXX and all funds were present. I logged in today XX/XX/XXXX and it now states the account was closed. I'd reached out to customer service via their reddit page and they're stating the account had a XXXX balance and that it was closed in XXXX, although I have transactional data confirming multiple transfers post XXXX. They're responses are vague and not willing to provide me any confirmation on the account balance or how it was reduced to 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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I was denied funding on a car loan that I applied for on XX/XX/XXXX. Ally financial denied funding due to the terms not being agreeable to them period I never follow through with obtaining a different set of terms. I never signed a separate contract. I never engaged in a second application. However, they opened up a later loan, claiming that I applied for another one. When I did not, they're using the original documents from the original loan that they denied the terms of XXXX funding it. Denying the application for a loan in the beginning to justify their fraudulent loan. That I didn't apply for it has different terms. Different payment standards and is a week out from the date that I applied. I applied XXXX XXXX I was denied XXXX XXXX first.The dealership apparently submitted another application in my name to which I did not authorize. Once, how is denied the first time? I was done with the company and done with the dealership, but ally financing is using avoided or breached contract to cover a XXXX XXXX XXXX first application.That was never submitted by me.That was never authorized by me.So therefore it's not an authorised loan.I didn't agree to the terms of their loan had no knowledge of it.

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 2026-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
Hello, In XX/XX/XXXX we applied for Servicemember Civil Relief ( SCRA ) benefits under the Louisiana SCRA law ( LA Revised Stat. Sec. 29:312 ). On XXXX XX/XX/XXXX, Omni denied our application claiming that the law does not apply to loans that were not directly related to the purchase of goods or services. This is an absolute wrong reading of the statute.

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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I booked a hotel room through XXXX. I called XXXX on XX/XX/XXXX to change the date. They said to hold while they contacted the hotel. They retuned from the hold and informed me the hotel would make the change provided a wired the funds for a new room in the amount of {$2800.00}. I wired the funds to the information required : Account Name : XXXX XXXX Bank Name : XXXX XXXX Account Number : XXXX Routing Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account Holder Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I was told the room change would appear that day and that I would be refunded. No change occurred. The next day, on XX/XX/XXXX, I reported a fraud to my bank ( Citibank ) and to XXXX. I also filed a report with the FBI the same date. Despite these efforts, Citibank has refused to refund me the wired amount. Citibank never requested additional details, nor a copy of my FBI report, nor any other evidence even though I offered to send it in before the wire cleared. Citibank simply told me that it had concluded it was a fraud and was denying me any refund. I appealed. Citibank affirmed on appeal that they did not want to pay me back for a determined fraud, even though I had contacted them even before the wire cleared.

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 2026-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: MD

Complaint narrative:
I was in a XXXX XXXX and XXXX was taking payments and putting them into an " unapplied '' fund but then reporting me as late. They had {$6400.00} in this account when my XXXX XXXX was done as shown on my XX/XX/XXXX statement. On a recorded call XX/XX/XXXX at XXXX we talked for an XXXX and a XXXX on getting those funds out of unapplied. They told me not to pay XXXX and XXXX and only pay XXXX for XXXX and they would take the funds from unapplied. ( remember this was recorded ). In XXXX they did what they said and moved some of the unapplied funds to my account. In XXXX they reported me late again. I called back on XX/XX/XXXX and XX/XX/XXXX. Again they told me not to make monthly payments ( agent XXXX ) but I made XXXX 's payment anyway. They also told me XX/XX/XXXX that those fees were being held for attorney fees. I paid attorney fees with my tax refund on XX/XX/XXXX. My Check number XXXX in the amount of {$2400.00} that was marked for fees only and cashed by XXXX on XX/XX/XXXX ( XXXX XXXX ). Right now they have {$3900.00} in the unapplied that they refuse to move to my account despite my bankruptcy being discharged. They have acknowledged they received the certificate of discharge. Every time I call I get told I can not speak to bankruptcy ( the people holding the money ), but the customer service reps will escalate it. It keeps going in circles with no 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 non-monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
Upon checking my credit report I noticed a collection account from LJ Ross associates being reported, I sent them a certified letter requesting Debt Validation, to this day I have not received a response and do not believe a debt is owed, I am asking that your company begin an investigation into this account which you are reporting on my credit report, I am also asking that this account be removed until the investigation is completed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
I just bought a house and a pest control company kept persuading me for their service. She did not mention this will be a contract, therefore I have no clue. The company owner a lady I formed me that there is a 2 month free on which she did not fulfilled. After 2 month is over, she sent someone over in which I refused the service afterwards. I use their service once, at the beginning before the 2 month grace period and was charged for it. My account was charged on XX/XX/XXXX. They tried to charge my account again in which I do not give my bank permission. The next thing I noticed was a bill of over {$400.00}, in the mail. It was XXXX weeks ago I got to notice this delinquency in my credit report, which has a negative impact on my credit report. The question i kept asking myself is that, is it a crime to say no. Why will I pay for a service I do not use. The monthly service was like XXXX XXXXXXXX. How do i ended up owning that much. Service from XXXX or XX/XX/XXXX till begining of the next year XXXX. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America ( BOA ) refused to refund me the annual fee for the Alaska Atoms Ascent card, which I had not used and am not intending to use, except for keeping the card temporarily to utilize a benefit earned last year. XX/XX/year> : BOA associate responded over a call that once the earned benefit is claimed/used, I should give them a call and BOA will take care of the account closure and annual fee reimbursement related to the upcoming year. XXXX XXXX XXXX : When I followed up on requesting account closure with the fee reimbursement, I was informed a payment was being processed in the account related to the use of the prior year 's earned benefit, so I should give them XXXX business days to process the payment before the fee reimbursement and account closure could occur. XX/XX/year> : I followed up regarding the payment posting status and also requested the account closure with annual fee reimbursement. I was then informed BOA couldn't waive the fee, despite what had been communicated in the past by their associates multiple times that the fees can be reimbursed once the benefit is used and the account is closed. I requested an escalation call back from a supervisor. The associate also closed the account without informing me that my access to all previously issued statements would no longer be available online for my access. ( Another proof of the lack of proper communication/training to their associates from BOA 's XXXX ) XX/XX/XXXX, a XXXX, XXXX XXXX , returned my call, refused to recognize all the facts, and attempted to dispute all the miscommunication that had been provided to me. He provided no further recourse to the situation even though I emphasized that there had been multiple miscommunications that occurred. XXXX argued that the fee is not waivable once it's charged. This is also not what was communicated to me before.

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 2026-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> XXXX dollars was transferred from my Wells Fargo bank to my XXXX then an unauthorized card withdrawal that money from my account. My name is 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