vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year> at approximately XXXX PM EST, I called Citibank again and spoke with a representative ( no ID provided ) who explicitly stated that she understood these funds meet the federal exemption criteria and that Citibanks internal policy requires compliance with XXXX CFR Part XXXX lookback and protection requirements but stated she was being directed by Citibank policy not to release the funds despite that knowledge. This is a direct admission by a Citibank representative that the bank is knowingly withholding federally protected veteran XXXX benefits in violation of 31 CFR Part 212, which mandates a lookback of federal benefit deposits and automatic protection of that amount from any freeze, garnishment, or account action independent of account closure status. Additionally, Citibank provided a materially false statement regarding the status of the deposit on XX/XX/year>, which delayed my ability to act on this matter. I am requesting CFPB intervention to compel Citibank to immediately release the {$4500.00} in protected VA XXXX funds, and request that CFPB investigate both Citibanks internal policy directing representatives to withhold federally exempt funds despite acknowledged awareness of the exemption, and the false statement made regarding the deposits status.

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 2026-07-03 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: U.S. BANCORP
State: FL

Complaint narrative:
US Bank recently changed their credit card rewards redemption options. There has always been a minimum of XXXX points which is fine. But now you must redeem in XXXX increments. This leaves points orphaned and requires consumers to spend more money to be able to use their points. This recent change is an unfair practice. XXXX should have access to all of their points. Setting arbitrary increments ( which are quite large ) is not a fair practice.

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear Attorney, I am seeking representation regarding Wells Fargo XX/XX/XXXX misconduct that has damaged my credit. In 2026, Wells Fargo repeatedly denied or returned legitimate payments and transactions even though there were sufficient funds in my account. These wrongful denials caused multiple overdraft fees, nonsufficient funds ( NSF ) fees, and negative marks on my credit report. As a direct result, my credit score dropped significantly, I incurred hundreds of dollars in improper fees, and I suffered additional financial harm through higher interest rates and denied credit I believe this may violate consumer protection laws and the bank 's own agreements. I would like to discuss my options, including possible claims for damages and credit repair. Please let me know when you have availability for a consultation. Thank you. Sincerely,

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 2026-07-03 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: CA

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 2026-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On the evening of XX/XX/year>, at approximately XXXX PM, I attempted to withdraw {$500.00} from the Bank of America ATM located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The ATM began processing the transaction and initially appeared as though it was going to dispense the cash. However, an error message appeared, and no money was dispensed. After checking my XXXX XXXX account, I discovered that the {$500.00} withdrawal had been processed and marked as completed, despite never receiving the funds. The following morning, XX/XX/year>, I went to the Bank of America XXXX as soon as it opened to report the issue. I spoke with a branch employee and explained what had occurred. I was informed that the branch could not assist me with recovering the funds and was told there was nothing they could do regarding the transaction. As of this statement, I have not received the {$500.00} that was withdrawn from my account, and the transaction continues to show as completed even though the ATM never dispensed the cash.

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the alleged debt listed above. I dispute this debt and request full validation and verification under the Fair Debt Collection Practices Act. This letter is not an admission that I owe this debt, nor is it a promise to pay. Please provide documentation proving that I am legally responsible for this debt and that your company has the legal authority to collect it. Please provide the following : The name and address of the original creditor. The full account number associated with the alleged debt. The amount of the original debt and a complete breakdown of the current balance, including interest, fees, charges, or collection costs. A copy of the original signed agreement or contract showing my responsibility for the debt. Documentation showing that your company owns the debt or has been assigned authority to collect it. The date of last payment or activity on the account. Proof that the debt is within the applicable statute of limitations. Your companys license or authority to collect debts in my state, if required. The name and address of any previous collection agency or debt buyer that handled this account. Until you provide proper validation, please cease all collection activity on this account, including phone calls, letters demanding payment, credit reporting, or any attempt to collect the alleged debt. If this account has been reported to any credit reporting agency, please notify them that the debt is disputed. If you can not validate this debt, please close the account, stop all collection activity, and request deletion of any related reporting from XXXX XXXX XXXX XXXX Please communicate with me only in writing at the mailing address listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise Systems is actively ignoring a legally binding debt restructuring agreement established with the previous collection agency, XXXXXXXX XXXX modified the XXXX XXXX balance to a little over {$17000.00} by combining accounts and I paid it down to {$13000.00}. NES has completely disregarded this legal contract and is attempting to collect {$38000.00}. This is a willful violation of consumer protection laws. National Enterprise Systems has admitted via email that they bought an outdated XXXX XXXX file. They are completely ignoring a legally binding consolidation agreement from the original creditor XXXX. I sent a letter to XXXX certified mail in which they received. Instead I was sent invoices. No response to the letter I sent. Attached is the legally binding restructuring agreement from XXXX and proof of my XXXX XXXX in payments. This proves the true balance is {$13000.00}.

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I brought Truist Bank a check from my attorney related to my divorce settlement. Bank staff advised me to cash the check at another location so I could have immediate access to the funds, then return with the cash. I returned with {$40000.00} in cash and attempted to wire the money to a friend so it could be deposited into another account in my name. The bank told me the wire would be completed that evening, but it was not. When I returned the next day, I was told the bank had placed a hold on the funds because of suspected fraud, but no one would explain the reason. I requested the return of my {$40000.00} in cash, but the bank refused and called the police. I was later told the matter had been escalated. On Friday, I called the bank and was told the funds were available in my account and that I could come withdraw them. However, when I arrived, the bank again refused to release my money and said the issue was with its fraud department. After XXXX days without access to my funds or a clear explanation, I called the police for assistance. Instead, I was trespassed from the bank that continues to hold my {$40000.00}. I need access to my money and do not appreciate being accused of fraud without evidence. I provided the original check and the cash from that check, and I have no criminal record. They have since trespassed me from the bank because I want my money and they won't give me any reason for holding it. Please help me recover my funds and address the banks handling of this matter. If the bank can not prove wrongdoing, it should not be able to accuse me of a felony or withhold my money without explanation.

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 2026-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX Starting at XXXX to pay off my deferred interest promotion because I could not split the payment up on the internet page. She assured me it was paid off. I log in to pay the other interest free account today on Friday XX/XX/year>, and I spoke with a female that said she spoke with a manager and he said it couldn't be changed. I'm a little XXXX off at this point and asked to speak to that manager which was XXXX. XXXX said he couldn't and wouldn't do it, so I became a little more XXXX using curse words, and asked to speak with his supervisor which was XXXX. XXXX relayed the same information XXXX gave me. Both XXXX and XXXX said I could pay it off today, but that's what XXXX said she was doing. I told XXXX I would be filing this complaint. Even asked him ( because I knew what would happen ) if I didn't pay off the account before the deadline, what would happen? and he answered that I would be charged the interest. The whole point of me calling them was to fix the problem ( to pay off the deferred interest promotion like it was supposed to be. I asked XXXX and XXXX when my payment was actually due, and they kept saying I had a minimum payment. Nothing makes since other than that they were trying to XXXX me so they could charge me the interest. This was all over me paying the {$140.00} on XX/XX/year> off which now says I owe {$110.00} on XX/XX/year>. They say they recorded the call for training purposes. Pull the call.

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 2026-07-04 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: CA

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 2026-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
XX/XX/2026 - I begin to have trouble paying the monthly bill. The company sends emails to help me. I check it out ; there's nothing that they can do to financially help me. XX/XX/2026- XXXX. I receive a repossession warning. I who's freaking out at this point because it's a holiday and the weekend, makes a phone call to customer service to see if there's help that they can provide or to try to resolve the issue. I get on the phone with someone, and they tell me it's some other department, so they try to transfer me. Now keep in mind they send emails almost every day saying " We're here to help you with your payment ''. Guy comes back and says, they're off until the following Monday. I asked him what should I do with the repossession possibility? The guy literally says " I don't know, that's not my problem ''. At this point I'm furious and type out a physical letter and mail it to them asking what should I do ( other than pay the full amount asap ) and to either call me directly or send me an email. Never got a response. XX/XX/2026 - I lose my job and start sending small {$100.00} payments. XX/XX/2026 ( Saturday/Today ) - I receive a repossession warning. Why I'm getting these on holidays I have no idea but it's not right because I can't do anything about it. So here I am.

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 2026-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The loan is owned by investor XXXX XXXX XXXX and bounced around like a hot potato. Recently transferred to NewRez LLC as a single entity on XX/XX/XXXX. I am the court-appointed Estate Administrator under Louisiana Letters of Administration issued in XXXX ( Property is separate property under LA Civil Code Art. 2341 and 888 ; I hold exclusive authority under Art. 938 ). NewRez is currently enforcing a heavily manufactured {$42000.00} total past due balance against the estate, which includes {$8200.00} in Legal Fees Due and {$6800.00} in Other Fees Due. Phone representatives have repeatedly used predatory debt collection tactics by verbally threatening an active XX/XX/XXXX foreclosure sale date, despite their written XX/XX/XXXX 'Notice to Commence " proving no formal court action has been filed. I am selecting 'No ' to the active sale date field because the bank is intentionally using fabricated deadlines to confuse a verified heir and force an illegal eviction. Furthermore, NewRez 's own consumer portal displays a severe mathematical error, demanding a 'Regular Monthly Payment ' of {$27000.00}, which is completely impossible as it exceeds the entire remaining principal balance of the loan ( {$24000.00} ) .I have been through the formal modification process twice and possess all payment receipts, yet prior legacy management ( XXXX ) repeatedly gave me the runaround, shut off account access, and forced me into an impossible legal loop. Crucially, I possess written email proof from XXXX where bank counsel explicitly instructed me to scratch through the wife 's name on modification papers and sign my own name. After multiple attempts telling them my father was the only owner of the property and the loan. I complied exactly, yet the bank still weaponized the signature issue to break the trial agreement, refuse my subsequent payments, and miscalculate my unapplied balance ledger. I have also uncovered evidence of severe document fraud or corporate robo-signing. Master records show a loan modification was allegedly approved on XX/XX/XXXX, yet my father legally passed away on XX/XX/XXXX. He could not physically execute a contract after death, proving legacy management completely fabricated a robo-signed contractrendering the last 14 years of fee compounding fraudulent. NewRez recently verified my Successor status under 12 CFR 1024.38, but continues to enforce this deceptive debt. Under 12 CFR 1024.36, I demand an immediate forensic audit of the XX/XX/XXXX documents, a complete ledger correction of my modification payment receipts and unapplied funds, a total waiver of the churned junk fees, and a formal review of my newly submitted loan modification packet under 12 CFR 1024.41.

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 2026-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I submitted a dispute to ( All three credit bureaus ) regarding an account reporting by ( ALLY FINANCIAL ) ( Account number XXXX ) does not belong to me and I never authorized, opened, or signed any agreement with this company or the original creditor. ( All three credit bureaus ) completed a reinvestigation and marked account as " Verified as Accurate '' without providing any supported documents, contract or wet signature. This constitutes a sham investigation and a failure to conduct a lawful investigation under 15 U.S.C 1681 ( a ) ( 1 ). ( All three credit bureaus ) response also admits that the furnisher " verified that belongs to you '' which is false and unsupported by evidence. I previously requested validation from ( ALLY FINANCIAL ) under 15 U.S.C.1692g ( b ) asking for original signed contract, the name of the original creditor, proof of authorization. They failed to provide it. Reporting this account without proper validation violates both the FCRA and FDCPA. This inaccurate reporting caused credit denials, emotional distress, and damage to my reputation. I am demanding the immediate deletion of this unverified and unauthorized account from my consumer report and a written confirmation of compliance.

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 2026-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My Best Buy XXXX account ending XXXX ( Citibank , N.A . ) is enrolled in a special payment plan Citi confirmed in writing on XX/XX/year> : $ XXXX, first payment due XX/XX/XXXX. I paid {$250.00} on XX/XX/XXXX, ahead of schedule, and have remained compliant. Despite this, Citi 's own online dashboard is internally contradictory. As of XX/XX/year> it simultaneously states ( a ) a Minimum Payment Due of {$800.00} with a past-due warning that late fees may apply, and ( b ) " Your account is currently enrolled in a payment arrangement. Paying this amount by your payment due date satisfies your monthly payment obligation per the terms of your arrangement, '' referring to the {$250.00} plan amount. Both can not be true. On XX/XX/year> I sent Citi a secure written message asking, in writing, ( 1 ) the active terms of my plan, ( 2 ) why the dashboard shows a standard minimum instead of the plan amount, ( 3 ) whether the account is furnished to the credit bureaus based on the {$250.00} plan or the standard terms, and ( 4 ) confirmation my XX/XX/XXXX payment was applied and the account is in good standing. Citi 's written reply, the same day, refused to answer and told me I " must speak to XXXX of our Customer Service representatives '' by phone. I have called repeatedly and received only verbal assurances that the account is " in order, '' with no written confirmation. I do not dispute a late payment in XX/XX/year> : a simultaneous expiration of deferred-interest promotions posted roughly {$3900.00} in interest, pushed the balance over the limit, and raised the minimum beyond what I paid before enrolling in the plan. I DO dispute that, while fully compliant with a plan Citi confirmed in writing and while paying early, my account continued to accrue past-due status and a new XXXX late for XX/XX/year> ( reported to XXXX XXXX XXXX ). I need Citi to state its position in writing so I can rely on it.

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