vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I called for hardship was helped but was told info contradicted. The main issue is the annual fee was not returned and the card statement wasnt even 30 days yet.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I am a victim of severe, documented cross-border criminal identity theft ( XXXX FTC Identity Theft Report ID : # XXXX / XXXX Police Force Case File : XXXX ). A syndicate of fraudulent, non-compliant mobile applications ( including XXXX XXXX. XXXX and XXXX XXXX. XXXX ) utilized predatory recurring billing loops to extract {$1500.00} from my financial accounts using Google Play. XXXX is the Merchant of Record for these funds. I have formally established an active unauthorized purchase review under Google Payments Claim ID : XXXX. Furthermore, the developer ( XXXX XXXX. XXXX ) has explicitly admitted in writing that these charges are under active refund status but claims they can not locate specific chains despite having the master order IDs. XXXX 's front-line agents and automated verification algorithms have previously denied my claims, stating they can not change automated decisions. XXXX is harboring non-compliant developers whose customer support channels actively bounce emails to evade consumer contact. As the Merchant of Record, XXXX XXXX holds direct corporate liability under federal billing protections for the retention of these stolen funds. I demand an immediate manual override of all prior automated denials by XXXX XXXX XXXX and full credit restitution of the {$1500.00} balance under Claim ID : 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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A person offered to sell a XXXX XXXX ticket but refused to transfer the ticket after the agreed upon amount ( {$400.00} ) was transferred to their account via 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
* * Date : * * XX/XX/year> * * Complainant : * * XXXX XXXX * * Phone : * * XXXX I am filing this complaint regarding M & T Bank 's servicing of my mortgage after my loan was transferred from XXXX XXXX. Since the transfer, I have made XXXX separate calls to M & T Bank and have spent approximately XXXX hours on the phone simply trying to access my mortgage account and set up automatic payments. Every attempt to access the online mortgage portal results in a " XXXX XXXX '' page. I have worked with multiple online banking representatives, including a supervisor, and no one has been able to resolve the issue. I was told the problem may be related to my current location in XXXX, but no alternative solution was provided. Customers should still be able to access and manage their mortgage accounts while traveling internationally. After being transferred to the mortgage department, the representative informed me that their entire system was down and that they could only answer general questions. This is not an isolated incident. Despite XXXX calls and several hours of my time, I still can not access my account, enroll in autopay, or make a mortgage payment. I want to pay my mortgage. I am not refusing paymentI am being prevented from making XXXX because M & T Bank has failed to provide a functioning website, a working online portal, or an alternative process that allows me to manage my loan. I am concerned that these servicing failures could result in late fees, negative credit reporting, or other consequences despite my repeated good-faith efforts to make timely payments. I respectfully request that M & T Bank : XXXX. Restore my access to my online mortgage account immediately. XXXX. Provide a reliable method for me to make payments and enroll in automatic payments. XXXX. Confirm in writing that I will not be assessed any late fees, penalties, or negative credit reporting resulting from these servicing failures while I have been actively attempting to make my payment. XXXX. Investigate and correct the online access issues preventing customers, including those traveling internationally, from accessing their mortgage accounts. This experience has been unnecessarily frustrating and has consumed hours of my time. A mortgage servicer should make it easy for borrowers to pay their mortgagenot create obstacles that prevent them from doing so.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I switched companies from XXXX XXXX to XXXX for phone service. They transferred the connection from my phone to XXXX, but neglected to turn off the service for my XXXX XXXX. I paid once in XXXX and was told by the customer service agent on their recorded line verbatim that all of my services have been discontinued and I would never be charged again. Then, in XXXX I start getting bills for the watch services again. I called XXXX customer service XXXX times between XXXX and XXXX and every single time the customer service agents told me verbatim on their recorded line that they cleared what I owed, and I would never be charged again. I even made them verbally say to me on the line that I will not be charged a bill and I do not owe them any money. Last week, I find out theyve sold the debt of {$140.00} to a debt collector. I tried to do everything right and address the debt, spending hours on the phone with XXXX XXXX customer service to fix this and their customer service department repeatedly and directly lied to me about the status of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX keeps calling me alleging I owe {$110.00} to XXXX XXXX XXXX XXXX, store number XXXX from XX/XX/year>, due to returned check number XXXX. I did not write a check to this company. The collection company 's number is XXXX. I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, and they looked into my account, and said they don't see anything like that at all.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing this formal complaint against Bank of America for egregious negligence, failure to process an international wire transfer, and an absolute lack of customer support, which has caused me severe financial and emotional distress. On XX/XX/year>, I visited a Bank of America financial center in person and processed an international wire transfer of {$15000.00} with an employee named XXXX XXXX. Two to three days later, I noticed the funds had not even been debited from my account. I immediately went back to the branch, but the staff gave me an irresponsible response, simply telling me to wait longer. Because I was about to leave for XXXX XXXX, I expressed my concerns, but they assured me that even if a problem arose, I could easily resolve it by calling the number on the back of my debit card from overseas. This turned out to be completely false. After arriving in XXXX XXXX, I contacted the branch. Since XXXX XXXX was unavailable, I spoke with another representative. I was subjected to an exhausting cycle where my call was transferred to different departments XXXX consecutive times without any answers. Eventually, the bank gave me a ridiculous response, claiming that since the transaction was handled in-person at the counter, they could not verify or track it on their end. They then told me to try the transfer again myself via Online Banking. I followed their instructions and re-submitted the transfer, but I received a cancellation email stating it had failed, with absolutely no reason or explanation provided. Desperate for a resolution, I even reached out to Bank of Americas official XXXX account via XXXX, but they have taken zero effective action and continue to stall. Currently, the {$15000.00} is still sitting in my account because Bank of America completely failed to initiate or process the wire transfer I requested weeks ago. Because they are holding my funds hostage through their systemic incompetence, I am stranded overseas unable to use or access the money I critically need, causing me an extreme financial crisis and severe psychological distress. I have the official Funds Transfer Request Authorization document from the initial branch transaction as proof. I urgently request the CFPB to intervene, compel Bank of America to investigate why this branch wire transfer was completely ignored, and ensure my funds are properly transferred or resolved without further delay. [ Transaction Details ] Transaction Date : XX/XX/year> Remittance ID : XXXX Amount : {$15000.00} USD Recipient Bank : XXXX XXXX XXXX Handled By : XXXX XXXX ( at 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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am a victim of Identity Theft. Card accounts were opened without my consent, authorization and/or acknowledgment. The accounts are Fraudulent and have place me in harms way with alleged owed amounts.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for XXXX years. This is my first bank account in the XXXX, and I have maintained a completely clean history with no overdrafts or prior monthly service fees. Starting XX/XX/year>, Wells Fargo began charging me a $ XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The policy change raising the minimum balance from {$500.00} to {$1500.00} and increasing the fee from {$10.00} to {$15.00} was not clearly communicated to me through any dedicated mail, email, or prominent notice. I only became aware of the charges after they had already posted on my statements. Wells Fargo previously issued a partial refund, but continued to charge the monthly fee. The total disputed amount is now approximately {$60.00} ( including the most recent {$15.00} fee ). I previously filed a CFPB complaint. Wells Fargos executive office contacted me and referenced Wells Fargo case number XXXX. I also spoke with an escalation manager, who stated that the bank is firm and will not refund the fees, providing no new explanation beyond their previous response. The previous CFPB complaint was closed by Wells Fargo with the statement that no new explanation was received. This ongoing refusal is unfair to a long-term loyal customer who did not receive adequate notice of the major policy changes. I am requesting a full goodwill refund of all disputed monthly service fees ( {$60.00} ) as a one-time courtesy for my XXXX relationship. If Wells Fargo continues to refuse a full refund, I am prepared to file a claim in small claims court in XXXX XXXX, XXXX, to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing

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: CITIBANK, N.A.
State: MS

Complaint narrative:
On XXXX I got gas at XXXX in Kentucky. They did a pending hold for XXXX. The hold is still on my Citi bank credit card even though the exact amount of the gas I purchased is also on my card and posted. I have reached out to citi bank and pilot and each company is blaming the other for the issue. Public XXXX forums indicate this is a problem for many Citi bank credit card users.

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 — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Here is a short, direct CFPB followup statement you can submit immediately. It keeps only the essential facts and the strongest points. -- - Short CFPB FollowUp Statement CFPB Case # : XXXX Citi Reference # : XXXX Consumer : XXXX XXXX I am submitting this followup because Citis response is incomplete and contains incorrect information about the {$3200.00} deposit. The deposit was a XXXX XXXX XXXX XXXX check, issued to me and my mother, with both of our names printed on the front. The back of the check was properly endorsed with both signatures. This confirms the funds did belong to us, and Citis statement that the funds do not belong to the account holder is incorrect. I request that Citi be required to provide : The fraud case number The fraudinvestigation notes The reason this properly endorsed insurance check was flagged Any communication with XXXX Mutual or their issuing bank The specific policy or rule used to justify blocking the deposit I also request clarification of the reason code used for the account closures and whether any negative reporting has been or will be sent to ChexSystems or other consumer reporting agencies. Thank you for your 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 monetary relief
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: U.S. BANCORP
State: NC

Complaint narrative:
I am filing a formal complaint against Elan Financial Services for failing to properly investigate and resolve a billing error under the Fair Credit Billing Act ( FCBA ), and for ignoring my formal dispute rebuttal packet sent several weeks ago. On XX/XX/year>, I entered a service agreement with the XXXX XXXX XXXX for {$5100.00}. I legally and formally canceled the service on XX/XX/year>, well before any resolution framework or tax filings were completed or executed on my behalf. Charging the full amount constitutes a billing error for unrendered, canceled services. I initiated a timely credit card dispute ( Case ID : XXXX ). Elan subsequently closed the case and reversed my provisional credit based entirely on the merchant 's internal " no refunds '' policy. A merchant 's boilerplate contract can not legally override federal consumer protection rights when services are explicitly canceled and not performed. Several weeks ago, I submitted a comprehensive formal rebuttal with concrete evidence of my cancellation. Elan has completely ignored my correspondence, failed to provide a decision, and failed to supply me with a copy of the documentary evidence they used to rule against me.

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: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XX/XX/year>, I opened up a card with Aspire through XXXX XXXX. They sent me a card that got lost in the mail. I saw it on informed delivery but never got the envelope. I reported it immediately, but found that I could not sign into my online account that the company had sent me an email with a password and login. It says the account is there, but the password is wrong so I messaged the company because their phone hours are very strange. They replied a few days later to say it can take up to 14 days to arrive please wait for it. When that time frame was passed, I messaged them again, to get a reply of we will issue a new card confirm your address I also told him that I couldnt get into the account and they said that when I got the card that I could use that to get into my account. I replied a confirmation But they never responded and no card came. About a week ago, maybe a little more I got a text message saying that they were charging me the yearly fee of XXXX $ and that I owed XXXX by the fifth. A few days ago, I tried calling them which time they gave me the option of texting which I have the whole conversation they said they would send me a new card and confirm the address and the email address and told me to try to pay the account I have tried to login many many many times and it will not let me. They said they would reset it and then I could set up a new account. They did not reset it and now my bill is past due and I owe a late fee. I do not know if theyve sent a new card but at this point Im fed up I want the card closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a charge come through on my checking account from Citibank of XXXX $ this charge was made on XX/XX/XXXX. That same day, I contacted Citibank around XXXXXXXX XXXX to look into the charge, and it turned out to be an auto-pay charge. I also discovered that Citi had previously attempted to charge my checking account, and when the payment was returned ( my account did not have enough money ), they charged me a XXXX $ RETURN CHECK FEE. Logically, if I had anticipated the charge, I would have ensured that the funds were present in the checking account. I never enabled auto pay on this Citi card ( Citi Custom Cash credit card ) nor any Citi bank card. No one else has access to the account, and it is entirely private and secure to my knowledge. If such a change to my auto-pay preferences was made, I have no recollection, and was not sufficiently notified of the change prior to the change taking effect. Upon attempting to have the money returned to my checking account, Citi Bank refused, and they also refused to waive the XXXX $ RETURN CHECK FEE.

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