vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint because Citi Bank has failed to return money that belongs to me, despite my repeated efforts to resolve this matter. On XX/XX/year>, I endorsed and issued my {$960.00} paycheck, which was deposited into my boyfriends Citi Bank checking account ( under his name ). Shortly after the deposit, Citi Bank closed my boyfriends account. The check was successfully processed, and the funds were withdrawn from my employers bank account. However, the money was never credited to my boyfriends account, and it was never returned to either of us. Since then, we have made multiple attempts to resolve this issue directly with Citi Bank, including visiting branches and requesting assistance on several occasions. However, Citi Bank has never provided a case number, reference number, or formal complaint confirmation, despite our repeated attempts to report the issue. My employer also contacted Citi Bank several times regarding this matter. During those calls, Citi Bank informed my employer that there was nothing further they needed to do because the issue was no longer on their side. Despite this, Citi Bank has still failed to return the funds or provide any meaningful explanation of what happened to the money. It has now been several months, and I am still missing {$960.00} in wages that were successfully withdrawn from my employers account. Neither my boyfriend nor I have received the funds, and Citi Bank has not provided any documentation, case number, or resolution. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, determine what happened to the missing funds, and require Citi Bank to return my {$960.00} as soon as possible. Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Fraud Department is unlawfully holding my funds hostage. They are refusing alternative identity verification methods ( like physical ID or SSN ) and are claiming a technical issue with my cell phone carrier is justification to lock me out of my money. I demand immediate access to 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 explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am filing this complaint against IC System Inc. regarding an alleged XXXX debt with an account number ending in XXXX and an alleged balance of {$570.00} that is currently reporting on my XXXX credit report only. It does not appear on my XXXX or XXXX reports. On XX/XX/year> I sent IC System a certified letter requesting verification of this debt and offering to pay the balance in full in exchange for deletion of the tradeline. IC System responded on XX/XX/year> stating they could not identify my account without further information. On XX/XX/year> I sent a second certified letter to IC System providing my full name, current address, the original creditor name XXXX, the account number ending in XXXX exactly as it appears on my XXXX credit report, the alleged balance, and a printed copy of the XXXX credit report page showing this account as reported by IC System. Both letters were sent certified mail with return receipt requested. IC System received and reviewed my second letter. I know this because in their response dated XX/XX/year> they included a photocopy of the credit report page I sent them and a photocopy of my certified mail return receipt proving they received and reviewed my documentation before responding. Despite receiving the exact account number they are reporting on my credit file, IC System responded again on XX/XX/year> with the same form letter claiming they can not identify my account. They continue to report this unverified account on my XXXX credit report while refusing to verify it after multiple attempts over three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am a confirmed victim of identity theft with an official FTC Report, IC3 notice, and Police Report. I mailed full federal proof of identity theft to IC System two weeks ago. Despite this, they are continuing collection activities, reporting a XXXX account that was compromised due to ongoing fraudulent activity, and masking it by blocking my automated dispute rights. They must cease and desist and delete this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a refrigerator from Home Depot on promotional financing by Citi Bank. Initially there was error, the wrong unit was delivered. Are return, refund & repurchase occurred. I received the first billing statement and made a payment to 'round ' the balance to {$1800.00}, where I intended to make {$200.00} payments for the year. Somehow in the return, exchange process the account did not send a XXXX statement. When I called at the beginning of XXXX, I was told to make a payment by XX/XX/XXXX. I did. However, the system due date was XX/XX/XXXX. A late fee was applied. It is this late fee that is the disputed that is generating the outstanding balance. The attached documents will show the initial purchase price {$1900.00}. Payments made totalling {$2200.00}. Which includes a payment a {$29.00} payment on XX/XX/XXXX when I was told this payment would resolve the dispute and close the account. I have attempted numerous times to resolve the issue with Citi Bank, Their actions have significantly impacted my credit score. I have also filed disputes with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 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: BlueChip Financial
State: MI

Complaint narrative:
I am submitting this complaint regarding a loan I obtained from XXXX because I believe the loan 's interest rate and repayment terms are unfair and may violate applicable consumer lending laws. On XX/XX/XXXX, I borrowed {$500.00} from XXXX. The loan carries an APR of 460 %. Since receiving the loan, I have paid {$550.00}, which exceeds the amount I originally borrowed. However, despite paying back more than the original principal, XXXX now claims that I still owe {$650.00}. I believe this demonstrates that the loan 's interest charges are excessive and that the repayment structure makes it extremely difficult for consumers to reduce the principal balance. In my case, I have already repaid more than the amount I borrowed, yet my outstanding balance is now even higher than the original loan amount. I respectfully request that the CFPB investigate XXXX 's lending practices, including the interest rate charged, how payments are applied to borrowers ' accounts, and whether these practices comply with applicable federal and state consumer protection laws. I also request that XXXX be required to provide a complete accounting of my loan, including : The original principal balance. Every payment I have made. How each payment was applied between principal, interest, and fees. An explanation of how the current balance of {$650.00} was calculated. Given that I have already paid more than the amount I borrowed, I request that my account be reviewed for any improper or unlawful charges and that any appropriate relief, including adjustment or cancellation of the remaining balance and any refund required by law, be provided. Thank you for your time and consideration. I appreciate the CFPB 's assistance in reviewing this matter and helping ensure that consumers are treated fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
I received a call from a XXXX who is a representative for Receivable Management in regards to an alleged debt that I owed. I asked XXXX for validation of this debt being that she called me stating that I owed the company. She was unable to validate the debt. I am requesting the following documents from this company to be provided to me in writing or via email at XXXX : XXXX XXXX : A copy of the original agreement or contract bearing your signature. Complete Statements : Historical records, including charges, credits, payments, and interest accrued. Chain of Ownership : Documentation proving the collector 's right to pursue the debt ( especially if the debt was sold to a third-party agency ). Also the Creditors license to collect debt in the state of Ohio Itemized Breakdown : Clear details of the principal amount, fees, the age of the debt, and the Statute of Limitations.Original Creditor Details : The name and address of the original company you owed the money to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Office of Executive Consumer Relations, I am writing to express my absolute outrage regarding the sudden, unexplained closure of my Bank of America account. This is the second time your institution has disrupted my life with this reckless action, and I demand an immediate review by senior management. Account Information : - Primary Account Holder : - Closed Account Number : - Routing Number : XXXX - Contact Phone : Like XXXX of XXXX right now, I am navigating severe economic hardships. To secure my livelihood, I recently started a new job and just finalized updating my payroll to direct deposit into this specific Bank of America account. By abruptly shutting it down without warning or cause, you have actively sabotaged my ability to receive my paycheck, pay my bills, and survive. What makes this situation entirely unforgivable is that your bank did the exact same thing to me when I was battling XXXX. To repeat this cruel, disruptive pattern when a customer is working hard to rebuild their life is a severe failure of corporate ethics and basic human decency. I demand the following immediate actions : 1. An explanation from an executive representativenot an automated form letteras to why this account was flagged and closed. 2. The immediate reinstatement of my account so my employment direct deposit is not rejected, OR an immediate, guaranteed protocol to route my incoming funds to me without delay. 3. Direct phone contact from a supervisor in your executive office today to resolve this. Be advised that I will not waste time dealing with frontline customer service representatives who have no authority. If this is not escalated and addressed immediately, my next step is filing formal complaints detailing this predatory pattern of behavior with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
The following events happened, XX/XX/year> at approximately XXXX XXXX XXXX, at the [ XXXX XXXX XXXX ] branch location. I went to deposit money in an ATM at this location XXXX {$20.00} bills XXXX XXXXXXXX XXXX bill XXXX {$1.00} bills and XXXX {$5.00} bill a total of {$700.00} the machine was counting the money then spat it back out saying there was an error to which it only gave back {$500.00} I was missing {$200.00}. Immediately i went inside and I spoke with XXXX XXXX a branch representative who took down the details and filed a dispute on my behalf after I asked if theres anyway of getting credit today as I have bills to pay I was flat out told no that it will be a couple days so I left and the next day called customer service to request a credit as I have yet to get it they said only the branch manager could get me credit. So I went to the branch at XXXX XXXX on XX/XX/XXXX and was told the branch manager was out at lunch but theyd relay my situation to them. Today is XX/XX/XXXX and I still have no credit I am writing this complaint to leave a paper trail of events in case further escalation is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for systemic communication failure, deceptive collection practices, and blocking access to my account information. A non-attorney representative from the firm recently contacted me via phone to propose a verbal payment plan, XX/XX/year> at XXXX. However, when I requested written or emailed confirmation of these terms before transferring any funds, the representative stated they could not provide it. Since that call, I have sent numerous separate dispute and communication emails within the last week to both XXXX and XXXX, and attempting to establish a reliable, written payment or resolution track. The firm has entirely ignored all written communications. Furthermore, when attempting to log into my online portal to view my account details and resolve this matter, the system completely blocks my access. A pop-up message explicitly states : " Based on the status of your account, access on our web portal is not available at this time. '' This technical lockout prevents me from verifying the debt, reviewing my file, or submitting documentation. I am currently judgment-proof and have a prepared Letter of Judgment Proof. Because the firm refuses to communicate in writing, refuses to provide written confirmation of payment offers, and has blocked my online account access, I am requesting that the CFPB intervene so that a supervisor is forced to provide a written response and a secure method for me to submit my legal documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
on XX/XX/year> around XXXX XXXX I deposited a XXXX dollar check at my local u.s bank atm. I was made aware that my funds would be on hold until XX/XX/year>. I requested an expedited hold, called customer service, fraud prevention, and visited the closest branch to me and they all told me there was nothing they could do. It is required under federal law that I receive XXXX dollars even if the check is on hold. They are refusing to obey federal law. My employers XXXX and XXXX XXXX pay me in checks, and because of U.S banks negligence, I am going ten days without any sort of pay. I have bills I need to pay, I have things that I am saving for. They are breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am a victim of credit card fraud. My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I lost my physical card while traveling, and unauthorized fraud charges were made. I mailed a formal dispute to Barclays XXXX XXXX ( XXXX. XXXX XXXX, XXXX, DE XXXX ) via Certified Mail on XX/XX/year>. The Certified Mail tracking number is XXXX, and USPS records show Barclays received it on XX/XX/year>. Barclays failed to acknowledge my dispute within 30 days as required by law. Instead, they sent an automated letter threatening to block my card renewal because the fraud balance makes the account look past due. When I called on XX/XX/year>, I explained the entire fraud situation to multiple representatives and managers, but they all explicitly refused to help me, stonewalled me, and denied me call reference numbers. Representatives XXXX XXXX and XXXX refused to help, and an agent named XXXX XXXX gave a fake employee ID of XXXX. Collections agent XXXX and Fraud Manager XXXX XXXX explicitly refused to provide reference numbers or clear the hold. Barclays is violating the Fair Credit Billing Act by pursuing collections and threatening account restrictions on a legally disputed fraud balance [ The Fair Credit Billing Act ( FCBA ). I do not have my full account number because I lost my card and they are refusing to give me my account number and the credit card number is not on the statements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-29 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: U.S. BANCORP
State: ND

Complaint narrative:
My wallet was stolen, which contained my North Dakota driver 's license and my payment cards. Shortly after the theft, an unauthorized individual attempted to make a fraudulent purchase of approximately {$800.00} at XXXX using my card. Fortunately, the transaction did not go through because the financial institution 's fraud system flagged it as suspicious activity.I have since taken steps to secure my identity, but I am filing this to ensure my account is fully protected, a paper trail is established, and no fraudulent activity impacts my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was way overcharged for a XXXX XXXX XXXX in XXXX XXXX XXXX. the merchant told me the card reader was not going through, they ran my card multiple times. they also over charged my wife 's card, she was able the get reimbursed. I opened a dispute with Citi card but they told me I needed a receipt. I did finally pay the card as I didn't want to get a ding on my credit. but is there is a way to get the payment back, that would be great. XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$340.00}

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 explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: MI

Complaint narrative:
We bought a motorhome thru XXXX XXXX and financed thru US Bank. I then set up auto pay thru XXXX XXXX XXXX XXXX told me they sent out the payment on the XXXX every month. US Bank said they did not post the payments until the payment until the XXXX to the XXXX of the month. They then charged me {$17.00} and change a day interest because the money was in limbo somewhere for days. this resulted in my payment to principle to range from $ XXXX as low as {$72.00}. If this is not illegal it most certainly should be. In addition to that the paper statement never had that information on it. The only way I figured this out was to create an online account so I could actually see what they were doing. Pretty sleazy. Is this legal? Who and where was my money for days? Which bank was responsible? If this was US Bank they were purposely stealing my money. I want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation