vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I made a {$25000.00} principal curtailment payment on my mortgage. At the same time, I was enrolling in the servicer 's bi-weekly payment program. My understanding was that the {$25000.00} payment would satisfy the large upfront payment requirement associated with the bi-weekly enrollment and cover my XX/XX/XXXX mortgage obligation. The payment was not applied as expected. Because the bi-weekly enrollment had an unresolved upfront payment requirement, the servicer 's system suspended autopay processing on my account- without notifying me. My account remained technically enrolled in autopay, but no payments were being initiated. In XX/XX/XXXX, relying on my autopay enrollment, I did not manually submit a payment. The servicer did not initiate any autopay withdrawal. This resulted in a 30-day delinquency being reported to all three credit bureaus. Upon discovering the issue, I immediately made a payment of {$5100.00} to bring the account fully current. I have also incurred over {$680.00} in late fees as a direct result of this servicer error. On XX/XX/XXXX, I submitted a formal Notice of Error to the servicer pursuant to 12 CFR 1024.35 via certified mail, requesting removal of the delinquency from my credit report and waiver of all associated fees. As of the date of this complaint, my email to the servicer has gone unanswered. I am requesting that the CFPB investigate this matter and require the servicer to : ( 1 ) remove the erroneous 30-day late payment from all three credit bureaus, and ( 2 ) waive all late fees resulting from this administrative error.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am an active-duty service member currently XXXX in the XXXX XXXX in a XXXX XXXX in support of military operations. Prior to my XXXX, I provided Ally Financial with a copy of my military XXXX orders so they were aware of my active-duty status. During my XXXX, I was assigned to remote locations in the desert where I had little to no cellular or internet service for an extended period due to operational requirements. As a result, I was unable to access my banking information or make my scheduled auto loan payment by the due date. This was not due to financial hardship or a refusal to pay, but rather because I was serving in a XXXX XXXX with extremely limited communications. As soon as I regained access to communication services, I immediately contacted Ally Financial, explained the circumstances surrounding my XXXX, and made my overdue payment. Despite providing my military orders and explaining that the late payment was directly related to my XXXX conditions, Ally Financial refused to remove the late payment from my credit reporting. This late payment does not accurately reflect my willingness or ability to meet my financial obligations. It resulted solely from the communication limitations associated with my military service in a XXXX XXXX. I acted responsibly by notifying Ally of my military status, making the payment immediately upon regaining service, and requesting consideration based on these extraordinary circumstances. I respectfully request that Ally Financial conduct a thorough review of my account and exercise its discretion to remove the reported late payment as a goodwill adjustment in recognition of my military service and the unique circumstances of my XXXX. I also request that Ally review whether its handling of my account is consistent with its policies regarding servicemembers and customers XXXX to combat zones. I am prepared to provide any supporting documentation, including my XXXX orders and any records demonstrating the communication limitations I experienced while XXXX. Requested Resolution : Remove the reported late payment from all consumer credit reporting agencies as a goodwill adjustment and confirm that my account has been corrected.

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 2026-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing regarding an alleged XXXX XXXX balance being handled by Credit Collection Services. I formally dispute the validity of this debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ) .Please provide an itemized breakdown showing how this balance was calculated, along with the original agreement or final billing statement from Progressive showing that I owe this specific amount.If you can not provide proper legal documentation to validate this account, please immediately remove all records of this debt from your systems and delete any associated tradelines from my credit files at XXXX XXXX XXXX XXXX and XXXX.If this debt is valid, I am prepared to offer a one-time electronic settlement payment equal to XXXX XXXX of the true balance in exchange for full satisfaction of the account and a complete " Pay-for-Delete '' agreement to erase this from my credit reports. Please reply with your verification documentation or your acceptance of these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
was using some cash advance apps to help with money and I canceled all services with these apps and Revoked there authorization to my bank account on XX/XX/year> and took and extra step to place a stop payment order through bank on all of these apps Citibank sent me and email later that same day on XX/XX/year> that it was accepted and all payments from that merchant will be blocked then on XX/XX/year> all the transactions that I was told would be stopped happend I tried disputing these charges through Citibank and I attempted to reach out the merchants all of them either didnt respond or answered with since you deleted your account there is nothing we can do reach out to your bank Citibank has denied every claime Ive made and sided with merchant saying every charge was was accurate despite me trying to send evidence to make an appeal Citi has kept denying me and not answering any emails I send Ive tried calling many times and almost everytime I would get misleading information I have already filed a complaint about how unhelpful Citi has been through cfpb and yet they still didnt help and they even admitted they were a aware that I have had stop payments in place and responded with the merchant said it was accurate and they can not help me, Citibank has now stated they do not have any supporting evidence even though Ive sent a bunch of stuff to the emails that were provided on the most recent letters they sent at XXXX all the stuff Ive was XXXX of evidence to prove that Citi should be held liable for letting this funds thorough and XXXX of the merchants that reached back has also said that Citi should not have let the charges through and I have sent evidence to citibanks direct email at XXXX about XXXX weeks ago and Citi bank continues to not communicate and help me resolve this 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
Consumer complaint received 2026-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
An auto loan/vehicle account was opened in my name without my knowledge or permission. I did not apply for this loan, did not sign any documents, and did not authorize anyone to use my identity. I discovered this account through my credit report/collection notice. I believe this is identity theft and I am requesting that the account be investigated, removed from my credit report, and that I be provided documentation related to how the account was opened.

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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was charged {$11.00} interest even though I paid my balance each month. This is the explanation they gave. My payments and rewards paid my balance due each month XXXX XXXX XXXX Thank you for your patience. I know this can be confusing, and I'm happy to clarify. To avoid interest, the statement balance must be paid in full by the due date for * * two consecutive billing cycles * * While the XX/XX/year> balance was paid on time, the XX/XX/year> balance was not paid in full by its due date, so interest accrued until the balance was paid on XX/XX/year>. If the * * previous month 's statement * * wasn't paid in full, new purchases accrue interest ( " trailing interest '' ). Two consecutive full statement payments are needed to restore the interest-free period. XXXX Sent at XXXX XXXX I did pay them on time. I want a supervisor 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 monetary relief
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern I am an identity theft victim. A total of approximately {$55000.00} was fraudulently transferred from my XXXX XXXX account into a Wells Fargo account. I am filing this complaint because Wells Fargo failed its Know Your Customer ( KYC ) & Anti-Money Laundering ( AML ) duties by allowing scammers to utilize their platform to harbor and clear these stolen funds. I demand that Wells Fargo 's executive fraud unit to immediately investigate and freeze this receiving account, trace where my funds were routed & cooperate fully with police XXXX XXXX sherriff office 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 2026-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TClub Inc
State: OH

Complaint narrative:
On XX/XX/year>, I initiated a remittance transfer to XXXX through Abound ( Transaction ID : XXXX ) for a total value of {$6800.00} USD ( {$6600.00} withdrawn from my XXXX bank account via ACH and {$120.00} applied via Abound account credits ). This transaction was explicitly bound to a contractually locked exchange rate of XXXX XXXX per USD. A condition of this rate was completing recipient XXXX KYC verification, which I fully completed and provided screenshot proof of. Despite fulfilling all requirements, Abound 's system failed to register the verification. Abound then unilaterally changed the financial terms of our agreement, lowered the exchange rate to their standard rate without my consent, and processed the ACH pull from my bank account anyway. Abound refuses to honor the agreed contract price and is currently withholding my funds, stating they will not settle or release the transfer until XX/XX/year>. I have officially revoked my authorization and demanded a cancellation and refund, but the company is stalling and refusing to return my money. I am requesting federal intervention to force Abound to cancel this transaction and return my {$6600.00} USD to my XXXX account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America , N.A . for their failure to exercise due diligence and their willful refusal to investigate legacy accounts for which I have provided original documentation. I hold original receipts and account statements for Certificates of XXXX ( CDs ) dating back to the years XXXX. I submitted a formal research request to Bank of Americas XXXX XXXX Department, which included copies of these original CD receipts, the account statements, and my verified personal identification. On XX/XX/year>, the bank abruptly closed my case, stating they had " insufficient information, '' but they completely failed to specify what additional data was allegedly missing. I sent a formal grievance on XX/XX/year>, granting them XXXX business days to conduct a manual search of their legacy records or provide a formal explanation of what happened to my assets. The bank has ignored this request and failed to respond entirely. Bank of America is effectively withholding my property and refusing to provide basic transparency regarding the status or location of these 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 2026-07-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested the permanent suppression and maintenance of an active identity theft block pursuant to XXXX XXXX. XXXX. I supplied an official XXXX XXXX XXXX XXXX Affidavit ( Report ID : XXXX ), my government-issued passport, and a bank statement as proof of residency. I demanded that the creditor pre-emptively cease all automated monthly electronic credit reporting batch updates that transmit data through its XXXX system to ensure their systems do not accidentally trigger an illegal block rescission, close the internal accounts as zero-balance fraud write-offs, clear the internal negative history due to fraud/identity theft, and ensure that no IRS Form XXXX debt cancellation forms are generated.

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 2026-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I never received any letter about the account or any consent for this account with this collection

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 2026-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing a formal complaint against Synchrony Bank ( issuer of my TJX Rewards card, Account ending in XXXX ) for engaging in a predatory, unfair, and punitive practice that has directly damaged my financial health, credit profile, and credit score. Without any warning, direct email, or written letter, Synchrony Bank quietly and drastically slashed my credit limit down to a completely useless {$100.00}. Under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), lenders are legally mandated to provide a proactive Adverse Action Notice when making a negative change to a consumer 's account. Sneaking this change into an online portal for me to find by accident does not constitute proper notification. This underhanded move is incredibly wrong and has caused immediate, severe damage to my credit score. By lowering my limit from a functional amount down to a mere {$100.00}, Synchrony Bank has artificially and drastically spiked my total credit utilization ratio. Credit utilization is one of the single biggest factors in calculating a credit score. Despite the fact that I have maintained a responsible payment history and managed this account properly, Synchrony Banks reckless reduction has tanked my credit score by making it look like I am maxing out my available credit. It is entirely unjust to penalize a responsible consumer in good standing, cause a cascading negative impact across their entire credit profile, and then hide behind a lack of communication. This is a deceptive practice that destroys consumer credit scores through no fault of their own, and I am demanding accountability.

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 2026-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed 2 prior complaints : XXXX XXXX You and Wells Fargo keeping closing my complaints without giving an explanation to why THEY THINK THAT TRANSFERRING PROTECTED FUNDS FROM A CHECKING ACCOUNT TO A SAVINGS GIVES THEM THE RIGHT TO EXERCISE A SETOFF! They literally did not touch my FEDERAL FINANCIAL AID when it was deposited from my school because it is AGREED UPON AND COMMONLY UNDERSTOOD THAT THEY CAN NOT. When I transferred some of the funds, they took my money the same day. TRANSFERRING THE XXXX FUNDS DOES NOT REMOVE THE XXXX PROTECTIONS. Im getting XXXX sick of this scammer XXXX. On XX/XX/year>, Indiana XXXX University deposited a financial aid refund into my Wells Fargo checking account. My school statement shows the funds included a XXXX XXXX XXXX XXXX XXXX and grant. On XX/XX/year>, I transferred part of those funds to my own Wells Fargo savings account. That same day, Wells Fargo set off {$3100.00} from savings to collect an old Wells Fargo credit-card debt in Cause No. XXXX. Wells Fargos written Right of Setoff Notice states that it acted because it had obtained a legal judgment and the judgment remained unpaid. I disputed the setoff and explained that the funds were traceable to federal student aid. During a call with Wells Fargos setoff/legal department on or about XX/XX/year>, a representative told me the funds lost protection because I transferred them from checking to savings. There is no law or regulation that removes federal protections for these funds once they are transferred from the checking to the savings. or Wells Fargos obvious recognition that the funds are protected. Neither Wells Fargos bogus letter they continue to send and ignorant, ruthless comments they have written to close my CFPB complaints have answered or identified any law, regulation, contract term, or policy supporting that statement. I have and am continuing to demand that Wells Fargo identify the specific authority it relied on, explain why the transfer changed the treatment of the funds, and reverse the XXXX {$3100.00} setoff and pay late fees for my bills that getting behind.

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 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX cash advance took {$430.00} and {$250.00} from me and is still charging me a subscription fee I filed a dispute for the {$430.00} and I want my {$250.00} back as well and citibank is giving me a hard time

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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called citibank regarding my XXXX XXXX credit card that migrated from XXXX XXXX. I called to have the card downgraded as I did not want to pay the annual {$99.00} fee and this card was new to citibank. XXXX my inital phone call I was told this is possible however I must make the minimum {$58.00} payment to avoid late fees and I must call back after XX/XX/XXXX in order to wave the fee and have any payment refunded. I then called a second time somewhere around mid XX/XX/XXXX. A phone representative said they could wave the fee but could not downgrade the card until XXXX. The representative then said they could not do anything during the call as they didnt have the power to waive the fee at that time but if I called back anther representative could assit. I then called on XX/XX/XXXX and a citi representative said they could not refund the annual fee or any amount paid. they could see the notes of my previous calls but could not honor the previous representatives verbal promises. I then connected via online chat with a citi representative to remedy this situation. They could not assist me by refunding the annual fee or the {$58.00} dollars I already paid to keep my account in good standing. I aksed my problem to be forwarded to the office of the president and the chat represenative could not complete my request and did not have the capacity to assist 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 monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've done numerous complaints and they keep getting ignored. I'm here now and I am no longer the owner of my home, I can't comprehend what this agency is for if I'm informing them of fraudulent activity. The transfer of my loan occurred after XXXX. Under the law the account and the party who assumed it is considered a debt collector. They refuse to validate the debt, proof standing and provide me a full payment history reveal it's capacity mortgage servicer or debt collector. My home was auctioned off and my complaint have been ignored what is the point I see it CFPB duty?

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