vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I recently experienced a temporary delay in receiving my wages, which caused me to fall behind on this small account. I am not trying to avoid my responsibility for the debt. On XX/XX/year>, I logged into the IC System payment website and authorized a credit card payment of {$140.00} for the account related to XXXX XXXX XXXX. I received confirmation number XXXX. I can provide the payment confirmation if needed. This collection account is currently appearing on my credit reports and is having a significant negative effect on my credit profile. Since I have now taken responsibility and submitted payment in full, I respectfully ask IC System to request deletion of the collection account from all credit reporting agencies where it has been reported, rather than only updating the balance to zero. I understand that the payment must first be successfully processed. Once it clears, I am simply asking IC System to consider removing the collection as a courtesy. I would greatly appreciate the opportunity to move forward and rebuild my credit.

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 2026-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am submitting this complaint because a chain of predatory practices by Bank of America severely impacted my financial well-being, ultimately damaging my credit report. The Root Cause ( Predatory Fees ) : Bank of America systematically charged me XXXX of dollars in NSF and overdraft fees, particularly during my unemployment in XXXX and XXXX. Unauthorized Charges & Lenders : Many of these low-balance fees were directly triggered by unauthorized charges and issues with third-party lenders that I did not authorize. The bank failed to protect my account from these unauthorized drafts. Credit Impact : Because the bank piled on these predatory fees and held my account hostage over disputed transactions, it created a severe financial strain that ultimately resulted in negative reporting on my credit history. During a period of widespread crisis and unemployment, the bank showed XXXX empathy and capitalized on my vulnerability.

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 2026-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had a Best Buy credit cards over XXXX years ago, also the card was in debt consolidation and taken care of. Im constantly getting call about this card saying that I owe a certain amount. When I ask the agents calling they are rude and wont give any information except it was a Best Buy card. Also on my credit reports I have no accounts in collections.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My PayPal Mastercards credit limit was decreased without being notified, I called and asked why it was lowered. They said being of the account had a high balance for a few months. The account was paid and is at a zero balance with the exception a service charge every month.

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 2026-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I am filing this complaint because XXXX is reporting an inaccurate XXXX XXXX collection account on my credit report due to IC Systems providing the information. The account is reported as : XXXX XXXX Balance : {$1100.00} ( was originally {$960.00} ) Status : Collection Date Closed : XX/XX/year> This account is preventing me from qualifying for a mortgage and down payment assistance. I request that IC Systems : Conduct a reasonable reinvestigation under the Fair Credit Reporting Act. Contact XXXX to verify the accuracy of the information being reported. Delete the collection account if it can not be verified with competent evidence. Provide the method of verification used during the investigation. Send me an updated copy of my TransUnion credit report once the investigation is complete. Thank you for your prompt attention to this matter.

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 2026-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
They called family members threatening me with a discharge debt.

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 2026-07-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/26 I received a text from a phone number claiming to be Wells Fargo XXXX XXXX. I said NO and immediately got a call from an imposter that sounded just like a Wells Fargo representative. I was in a panic at the time so everything seemed real. I gave the one-time code and they gave me a claim number. They instructed me to do transfers with a phone number that they told me at the time was an FDIC approved phone number. I was in shock and in a panic because they told me someone had transferred {$7700.00} of my credit card that they were trying to get back but the whole time it was them that were scamming me. The next day I noticed that I couldn't log into my online banking app and that my credit was at its limit. That's when it hit me that it wasn't Wells Fargo that called me so I immediately made an appointment with the branch near me for XX/XX/26. I closed my accounts and requested new credit/debit cards and made a dispute claim for the {$7700.00} that was stolen from me. Today, as of XX/XX/26 my claim has been declined. I've called almost every day to try and get updates but I was always told to give it more time or transferred to a different department.

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 2026-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lennar Financial Services, LLC
State: SC

Complaint narrative:
I am filing this complaint against Lennar Mortgage for abusive post-closing origination and underwriting practices. My mortgage loan legally closed, funded, and recorded XXXX months ( XXXX days ) ago. I was fully financially transparent throughout the entirety of the purchase process, providing all requested financial records in good faith. My vehicle payment was not appearing on my credit report for unknown reasons. I had no idea that this issue existed until XXXX explained that my car loan was not visible on the credit reports they pulled. I have already reached out to XXXX to address this issue directly. However, this vehicle payment was completely and clearly visible on each and every XXXX of the official bank statements I provided to the lender during origination. The lender 's underwriters failed to review these statements accurately before closing and subsequently sold the loan to XXXX. The original lender is now aggressively badgering me for escalating financial documents ( such as loan documents and prior tax records ) to repair their own pre-closing underwriting failure and prevent an investor buyback. A standard post-closing compliance agreement does not authorize a lender to completely rebuild a loan file or alter a closed transaction due to their own internal calculation errors. I request that the CFPB order the lender to cease contact and stop abusing post-closing documentation policies to cover their internal clerical liability.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My wife and I have CITI Bank Visa Credit Cards ( also used as a XXXX XXXX XXXX and for XXXX purchases ). CITI Bank and XXXX advertise that uses receive a Cash Back Reward of " 3 % on Restaurants and Eligible Travel. '' On XX/XX/year> we booked a site seeing trip with " XXXX XXXX '' at a cost of {$7900.00}. The cost included a site seeing tour in glass dome rail cars, food, and two night 's stay in hotels. When I received my credit card statement at the end of XXXX, I noticed that we were not credited with the 3 % reward points. I called the credit card company and filed a complaint. On XX/XX/XXXX, I received a letter from Citi/XXXX that XXXX the merchant 's primary line of business '' did not qualify for the rewards. On XX/XX/XXXX I called the credit card 's customer service and was told that XXXX XXXX was registered as a " Passenger Railway '' and not anything related to travel or vacation. When I pointed them to XXXX XXXX 's website and explained the trip that we scheduled and paid for, I was told that the only thing the matters is how the company identifies themselves. I told them that either XXXX XXXX, the credit card company, or both were being deceitful and fraudulent. The company refused to change their stance.

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 2026-07-16 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: IL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Citibank due to an ongoing, unresolved lockout from my online accounts, which has prevented me from managing my funds and paying my bills, including my Citibank credit cards. For the past 30 days, I have been entirely unable to access any of my Citibank accounts online. I have made multiple attempts to resolve this directly with Citibank, totaling over 2 hours of phone calls with customer support over the last month. During these calls, representatives were unable to restore my access or resolve the technical block on my account. Furthermore, I escalated this issue by emailing Citibanks executive leadership team. While I received a brief acknowledgment regarding an unrelated matter, my urgent request to have my online account access restored has been completely ignored. Because of this system lockout and Citibank 's failure to resolve it, I am currently blocked from paying my credit card bills on time. I am deeply concerned about potential damage to my credit score, as well as late fees and interest charges accumulating through no fault of my own. Citibank is effectively holding my account access XXXX by failing to provide adequate customer service or technical resolution. * * Desired Resolution : * * I request that Citibank 's Executive Office immediately contact me to manually verify my identity, bypass this lockout, and restore my online account access. Furthermore, I require that Citibank waive any late fees, interest, or negative credit reporting associated with my credit card accounts that occurred during this 30-day lockout period. Thank you for your assistance in resolving this matter.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I recently completed a promotion for a {$400.00} bonus ( started on XX/XX/year> ) after completing {$4000.00} worth of direct deposits ( Completed on XX/XX/year> ) to BMO Bank within 90 days of opening the account. I spoke with a representative sometime at the end of XXXX or beginning of XXXX and confirmed Id receive the payout on XX/XX/XXXX. BMO Bank closed my account yesterday ( XX/XX/year> ) and I confirmed today they will not be honoring the promotion so I will not get the payout. They closed my account due to inactivity but I didnt read anywhere in attainable disclosures that they would do so. Also my account was supposed to be charged {$5.00} a month for use and I was never charged per month ( also causing inactivity ).

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: OH

Complaint narrative:
MoneyLion logged me out of my account on my phone, then jumped to me having to verify my identity, even though I have a existing account and it's in use. I sent in clear pictures of my state issued ID front and back. They told me to wait but I worked for that I should have my money that I worked for. They made it seem as if technology and machines made themselves and that they can't manually fix the problem. Every single time I get paid it's been a problem. I called five times and still no valid answer to my account getting fixed or if it's being reviewed in a proper manner thats not conflicting with bills and family emergencies. Please help!! Thank you!

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 2026-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
URGENT FORECLOSURE AND REPEATED LOAN-MODIFICATION REVIEW FAILURES I am filing this complaint against Bank of America because the bank has repeatedly denied loan-modification and foreclosure-prevention applications submitted on my behalf through XXXX, while continuing to advance foreclosure proceedings against my home. Bank of America has now scheduled a sheriffs sale for XX/XX/year>. I have made repeated, good-faith attempts to save my home. XXXX submitted mortgage-assistance and loan-modification packages to Bank of America on multiple occasions . I cooperated with the process, provided requested financial documents, and relied on XXXX to communicate and submit information to the bank. Despite these repeated submissions, Bank of America continued to deny assistance without providing a workable path to resolve the delinquency and retain my home. I formally dispute the adequacy, accuracy, and fairness of Bank of Americas handling of these applications. The repeated cycle of submissions, denials, document requests, and resubmissions raises serious concerns that Bank of America may have : * Failed to properly record or review documents submitted through XXXXXXXX XXXX Treated complete applications as incomplete without a sufficient explanation; * Used inaccurate, outdated, or incomplete financial information; * Failed to evaluate me for every available investor, government, proprietary, repayment, deferral, and loan-modification option ; * Failed to provide clear, specific, loan-level reasons for each denial; * Failed to identify the calculations, income figures, expenses, property valuation, investor restrictions, and program guidelines used ; * Continued foreclosure activity despite my continuing and documented efforts to obtain loss-mitigation assistance ; and * Failed to provide an effective single point of contact capable of resolving the repeated servicing problems. I am requesting that the CFPB require Bank of America to investigate whether it complied with Regulation X, including 12 C.F.R. 1024.41, in receiving, acknowledging, completing, reviewing, and deciding my loss-mitigation applications. An application submitted by a borrowers authorized agent can qualify as an application submitted by the borrower. I therefore request that Bank of America not disregard applications merely because they were transmitted through 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 2026-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My insurance company has changed since I visited my doctor for my annual physical and when I went to get my blood work in the lab, they did my blood work with the understanding that my Doctor No longer accepted my insurance coverage, not knowing that the lab which is a separate entity did not accept my insurance coverage. They did not pursue the insurance company whatsoever but damaged my credit rating. Ive never spoken to anyone from this company, but getting notifications from my credit report. My credit has been flawless for the last XXXX years. This is unfair collection practices, and I would like this to be removed from my credit report as soon as possible

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 2026-07-16 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: NJ

Complaint narrative:
I reached out to XXXX in which I have the dispute with and they emailed me which I provided to Citicards with the proof that XXXX lost the dispute. According to Citicards this is not accurate. I forwarded all information to Citicards reflecting XXXX stating they lost the dispute. I never received the money back from Citicards. In addition, Citicards tells me something new every time I call. First I was told that the case was closed and then I was told it was active. I now was told that they are reopening it. It is clear that I was charged in XXXX and the money needs to be returned to me. Citicards placed the dispute in incorrectly from day XXXX which led me to having to pay again in XXXX. I now am waiting for full reimbursement for the month in XXXX and still I don't have any documentation of getting reimbursed for this money. Citicards continues to make errors with my dispute case and still needs to return the money in XXXX to me. All money in XXXX should be credited back to me with charges from XXXX. I even emailed Citicards and XXXX together so I can move forward and get reimbursed for the month of XXXX. Please assist with this as it has been a very bad experience. Thank you. 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 monetary relief
Consumer complaint received 2026-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding the handling of my XXXX XXXX XXXX loan. I contacted XXXX XXXX multiple times to request accurate information about my payment history, how my payments were applied, and verification of any late fees or late payment reporting. XXXX XXXX did not provide the documentation I requested, did not explain how they applied my payments, and did not resolve the issues I raised. I asked for billing records, payment posting dates, internal notes, and any documents showing how XXXX determined that a payment was late. XXXX XXXX failed to provide any of this information. Their lack of transparency and failure to respond has caused confusion, financial stress, and potential harm to my credit. I attempted to resolve this directly with XXXX XXXX, but they did not provide the information needed to understand or correct the issue.

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