vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXXXXXX CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX XXXX Request for Debt Validation Account Number : Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : * The name and address of the original creditor. * The amount of the alleged debt, including an itemization of any interest, fees, or other charges. * Documentation showing that I am legally responsible for this debt. * A copy of any judgment, if applicable. * Proof that your agency is authorized to collect this debt. Until you provide the requested validation, I request that you cease collection efforts regarding this account as required by applicable law. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I reserve all rights available to me under federal and state law. Please send your response in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo decided today ( XX/XX/2026 ) to close all of my accounts with them. They say that can not close my accounts until XX/XX/2026 when I called them, and beyond that I'll still have to wait for a check to come in the mail. They blocked me from withdrawing any money. This is where I keep my money and right now I do not have access to any money, and therefore can not buy my groceries.

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 2026-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I saw a transaction where {$14000.00} was reduced on our {$90000.00} line of credit that we owe Wells Fargo Bank. We weren't sure what happened until I received a call from my older brother stating that same total was taken from my oldest brothers account. The older brother was a cosigner on this line of credit back in XXXX. I have since bought him out in XXXX which should have taken away all liability to the business. The older brother got on my oldest brothers account to help him write checks. The older brother has no stake in this account. I contacted the bank immediately to find out what happened. On our payment plan we were making {$1000.00} a month payments but fell behind in XXXX and received no phone calls emails or texts that there was a problem and we need to get caught up. We have since filed several claims between myself and oldest brother to get this reversed. We received a call from the bank dispute department and they told us they had every right to take the money and empty my oldest brothers saving account. We are at a loss on where to go from here.

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 2026-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: MD

Complaint narrative:
Dear CFPB My name is XXXX XXXX, I am customer of XXXX XXXX XXXXXXXX. I am filing a complaint against XXXX XXXX XXXXXXXX : Reason : I was on loan modification program trial-period for XXXX months ( XXXX, XXXX and XXXX ). When I scheduled my last payment, the bank made a mistake and did not clear my final payment which made XXXX XXXX to deny my loan modification application and placed a foreclosure on my property. When I visited the bank, I was told that my account had many transactions and system did not complete my mortgage transaction of {$1800.00}. I have written to XXXX, sent them all banks transactions, and called on many our occasions, but they have refused to accept request. Therefore, I am asking to please investigate the transaction between XXXX mortgage and XXXX XXXX XXXXXXXX on XX/XX/year>. I have all the bank 's transactions to support my case. I thank you for your cooperation. Thank you, XXXX XXXX XXXX XXXX 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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union has failed to properly investigate my dispute regarding a charge of {$2400.00} for lodging that was never provided. I paid {$2400.00} for XXXX accommodations. When I attempted to access the reservation, the host refused to honor it because the company used a third-party identity verification system ( XXXX ) that repeatedly denied my identity. I have been verified with XXXX for XXXX years and used it domestically and abroad. Despite my willingness to present government-issued identification in person, similar to the verification process used by hotels, the host refused to verify my identity manually or provide the reserved lodging. As a result, I was denied access to the accommodations and received none of the services I paid for. The company and XXXX continues to withhold funds and services for {$2400.00} and Navy has delayed handling despite proper receipts and police reports. I promptly disputed the transaction with Navy Federal because I paid for services that were never rendered. Instead of conducting a reasonable investigation, Navy Federal refused to provide provisional credit or otherwise protect my account while the dispute was pending. The merchant has retained the full {$2400.00} despite failing to provide the lodging I purchased. Since filing my dispute, Navy Federal has failed to timely pro cess my claim. The credit union has not assigned the dispute to a representative, has not provided the merchant verification documentation typically used during dispute investigations, and has not meaningfully reviewed the evidence I submitted. I provided receipts, documentation showing that the reservation was not honored, and a police report documenting the incident. Because Navy Federal failed to act promptly, I was left without housing and had to spend additional money to obtain alternative accommodations. The delay in investigating my dispute has caused significant financial hardship and has allowed the merchant to retain payment for services that were never provided. I believe Navy Federal has failed to conduct a reasonable and timely investigation of my billing dispute and has failed to adequately protect me from an unauthorized retention of funds for services that were not rendered.

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 2026-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed XXXX unauthorized transactions totaling {$4500.00} that were not made by me. I realized this roughly XXXX hours after they took place. I then called my bank to dispute the charges as they were pending. They locked my account, canceled my card, and told me to wait 10 business days for them to complete their investigation. Nine business days later, I received an email saying they had completed their investigation and found The charge was authorized by you or made by someone who has permission to use the card or account and are denying my claim. I then called the claims department again to file a second claim and obtain more information on the matter. My CVV code was entered incorrectly twice, and XXXX transactions were denied before allowing XXXX transactions for {$450.00} and XXXX for {$2700.00} to go through. I also recorded the second conversation with the claims agent, who said she believes I am not lying and stated that it should have been flagged before processing. I informed her that I was recording her before the conversation started. After opening the second claim, I filed a police report and submitted it to the Bank of America claims department. On the morning of XX/XX/XXXX, I received an email from my bank stating they were denying my claim again and for the same reason : The charge was authorized by you or made by someone who has permission to use the card or account and pulling the credited funds they gave me on XX/XX/XXXX. I am not sure what i can do at this point and would appreciate any guidance that can be provided.

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 2026-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/year> my attorney sent a letter advising that i was represented by counsel. Ignoring that letter a debt collector sent me a notice directly in violation of section 805 ( a ) ( 2 )

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 2026-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Product : Credit card Company : Citibank / Citi Retail Services/ The Home Depot Consumer Credit Card Complaint text : I am filing a complaint regarding my The Home Depot Consumer Credit Card issued/serviced by Citi Retail Services . My account ends in XXXX. My concern is that my credit limit was increased multiple times without my request or clear consent. I do not recall ever asking Citi/Home Depot to increase my credit limit. My statements show the credit limit increasing from {$5000.00} to {$6000.00}, then to {$7200.00}, and later to {$8600.00}. The statements use wording such as we have increased your credit limit, which appears to show the increases were initiated by Citi/Home Depot , not by me. This created a serious problem. I originally understood this as a limited store credit account. With another store card, XXXX, once the credit limit was reached, I was simply told I could not continue using credit and would need to pay by cash/debit. With this Home Depot/Citi account XXXX the limit kept increasing, and the balance grew far beyond what I intended to borrow. Based on my statements, purchases/other debits total approximately {$18000.00}, payments total approximately {$7100.00}, credits/returns total approximately {$3600.00}, and interest/fees total approximately {$4900.00}. The recent balance is approximately {$12000.00}. I am not refusing to pay legitimate purchases. However, I dispute the unsolicited credit-limit increases and the ongoing interest/fees that are making the balance continue to grow. I am requesting that Citi/Home Depot : XXXX ) Freeze/close the account for future purchases. XXXX ) Stop or suspend further interest while this is reviewed. XXXX ) Waive fees and penalty charges. XXXX ) Place the account into a hardship repayment plan with reduced or 0 % APR. XXXX ) Provide documentation showing whether I requested or consented to each credit-limit increase.

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 2026-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( Ending with XXXX ) Card Issuer : Barclays Bank Delaware Co-Brand Partner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Deceptive accountability loop between financial issuer and airline partner regarding an earned, spend-based financial reward. Background of the Issue As a cardholder of the XXXX XXXX XXXXXXXX XXXX issued by Barclays, I successfully met a significant annual credit card spending threshold. In direct fulfillment of this contractually promised spending milestone, I was awarded a promotional flight voucher ( XXXX # : XXXX ). The XXXX : XXXX XXXX XXXX Following the recent expiration of this voucher, I sought a standard courtesy extension. I have been placed in an unacceptable customer service gridlock where both corporations flatly deny administrative ownership : Barclays Position : Customer support explicitly stated that because the voucher is redeemed through XXXX XXXX Barclays lacks the technical and administrative capability to manage or extend it, directing me entirely to the airline. XXXX XXXX XXXX : On XX/XX/year>, I escalated the matter to XXXX XXXX XXXX. Upon reviewing the internal voucher records, XXXX contradicted Barclays, stating : " The voucher in question was issued through the Barclays promotional program. Unfortunately, XXXX is unable to reissue, modify, or extend ... we do not have the ability to extend or reactivate expired Barclays-issued promotional vouchers. '' XXXX formally stated that any resolution regarding the voucher 's terms must come directly from Barclays. Consumer Impact & Deceptive Business Practices This voucher is not a complimentary corporate giveaway ; it is a tangible financial reward contractually promised by Barclays in exchange for high-volume consumer spending and card utilization. Barclays has fully extracted the financial benefit of my transaction volume, yet refuses to take administrative responsibility for the rewards used to incentivize that very spend. It is an unfair business practice for a banking institution and its co-branded partner to trap a consumer in a closed loop of mutual deflection, effectively rendering an earned financial reward worthless. Find the chat transcript with XXXX attached

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
# XXXX. XX/XX/year> before this day things were perfect account perfect checking account and savings account, back to the date I lost my cell phone so I called the bank and told them to freeze my account because I thought someone could steal my money, account was frozen for a few weeks I called XXXX to unfreeze my checking account all I wanted to personally do was updated my phone number and XXXX address and that's it then now I have to get a new account pay new fees and now am not excepted to the checking account and it's really not fair, so that is all I is my checking account back and I will be completely satisfied as a customer or client of XXXX XXXX in the USA

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 2026-07-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX Synchrony Bank / CareCredit Customer Relations Department Re : Formal Dispute of {$34.00} Balance Account Ending in : XXXX Dear Customer Relations, I am writing to formally dispute the remaining {$34.00} balance on my CareCredit/Synchrony Bank account . On XX/XX/XXXX, I financed a {$2000.00} purchase under a promotional financing plan that stated no interest would be charged if the promotional balance was paid in full by XX/XX/XXXX. My records show that I paid the entire {$2000.00} promotional balance through the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} These payments total {$2000.00}, satisfying the promotional balance well before the XX/XX/XXXX deadline. During the life of the account, an unexpected automatic payment attempt for approximately {$1800.00} occurred, resulting in payment adjustments and fees that I disputed. I continued making my monthly payments and was informed by several Synchrony representatives that my promotional financing would remain in effect as long as I paid the promotional balance by the expiration date. In addition, I have received correspondence from Synchrony containing conflicting information regarding the cancellation date of my Payment Security coverage. The letters reference cancellation dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These inconsistencies raise concerns about the accuracy of my account records. Because I fulfilled the promotional payment requirements, I respectfully request that Synchrony : Remove the remaining {$34.00} balance if it resulted from an incorrect fee or interest assessment. Provide a detailed written explanation showing exactly how the {$34.00} balance was calculated. Confirm in writing that my promotional financing requirements were satisfied and that no deferred interest was assessed improperly. Correct any account records that may have been affected by inaccurate fees or conflicting account information. I have enclosed copies of my payment history and the Synchrony correspondence supporting my dispute. Thank you for your time and prompt attention to this matter. I look forward to your written response and a fair resolution. Sincerely, 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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint against Citibank for Deceptive Advertising and XXXX XXXX XXXX regarding their Merchant Offers program. On XX/XX/XXXX, I enrolled in a XXXX {$10.00} back ' promotion offered through my Citibank online account. I made a qualifying purchase on XX/XX/XXXX. According to the published 'Offers details ' and 'Terms of Use ' provided by Citibank at the time of enrollment, the maximum award was a {$10.00} statement credit, and there was absolutely no minimum purchase amount required to trigger the credit. I have attached a screenshot of the promotion explicitly showing my account was 'Enrolled ', alongside a copy of the actual transaction from my credit card statement confirming the purchase. After waiting over three months and contacting chat support twicewhere I was repeatedly told the credit would post within two billing cyclesI was forced to schedule a phone call. Following an internal escalation, Citibank customer support via XXXX XXXX informed me that the credit was being denied because their internal team claims there was a " {$100.00} or more " purchase requirement. As documented in the attached screenshot of the offer terms, no such {$100.00} requirement exists. Citibank is inventing arbitrary, un-published terms after the fact to avoid paying out a promotional credit. This constitutes a clear misrepresentation of the terms of a sale and false pretense in a consumer transaction. As a premium customer of over 20 years, I find this deceptive practice completely unacceptable.

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