vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/year> discovered card was charged $ XXXX multiple transactions in NY . This was not me. My card is locked in my safe and only used at Macy 's, then immediately paid off. Contacted Macy 's Am Ex and rep asked if this was the first time this week I had called. It was. She stated someone else had called to make changes earlier in the week. She stated she would lock my card and explained this would lock it from purchases or payments. I agreed. She had to dispute the multiple transactions first and I was on the phone with her for over 30 minutes. When she completed this, I hung up and went onto the website to change my password. The next morning, I received notification from my XXXX banking account that the Macy 's bill had been paid from my account saved in the website. This must have occurred prior to my changing the password. I called Macy 's and asked why a payment was allowed on a locked account when they told me that it wouldn't be possible. The told me that I would have to unlock the account to allow them to " see '' any transactions. I agreed. Then they said they would transfer me. That was not done- they hung up on me. I immediately went online to try to lock the account again. Not possible online. I called back and told them to reverse the payment as it still shows " pending '' with my bank. They refused. I called XXXX and reported the fraud and they charged me {$30.00} to reverse the pending debit. It was Saturday, so it will not happen until Monday morning. I called Macy 's back on Sunday morning to make sure the lock was completed. She told me that I said to unlock it. When I demanded that they lock it again and send me confirmation of it- she said that I could try to use the card and that would prove that it was locked! Of course I am NOT going to do that when this card has been fraudulently used! I am unable to pay any bills or use my debit card until this is resolved because they processed a {$5800.00} payment on a card/account that was under investigation and supposed to be locked. They will do nothing. The card was never out of my possession. The only way someone could have gotten the card/webpage information for my account was through their faulty site/system.

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone XXXX times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, all my Barclays credit cards started throwing a Card not added. Contact card issuer for more information. error.

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 2026-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
On XX/XX/XXXX I received a summons and complaint. I responded with an answer to all parties listed and involved. Since that date I have tried multiple times to reach this company. XXXX different email addresses, several phone calls, XXXX online contact form and XXXX certified letter. Upon accessing the portal it came to my attention that they had incorrect contact information. I edited it and logged out to make sure it stuck, it did not. After accepting a settlement of their suggestion on that same portal and putting in my banking information - I was locked out of the portal completely. I set up the first payment for XX/XX/XXXX- they did not withdrawal it as scheduled. I can not access my portal or reach them to discuss.

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone XXXX times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, my FNBO XXXX credit card started throwing a Card not added. Contact card issuer for more information. error.

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 2026-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am requesting that the bank : - Conduct a complete investigation into the disappearance of my restricted account and all related records. - Locate the account or provide a full written accounting of what happened to it, including any transfers, closures, distributions, or other activity. - Comply with the existing court order directing the release of the funds if the account is located. - Preserve and produce all available records, including archived records, account history, internal notes, correspondence, and documents related to the account. - Explain why the account was initially located using my mother 's Social Security number but could no longer be located after I obtained the required court order. - Investigate whether any errors, negligence, unauthorized transactions, or misconduct contributed to the disappearance of the account. - Take any corrective action necessary to restore my rights, compensate me for any losses if the funds can not be recovered, and ensure compliance with all applicable legal obligations.

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 2026-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This complaint is submitted to dispute the accuracy of XXXX XXXX ' reporting of an alleged balance and to request deletion if XXXX can not verify the account. Evidence shows XXXX repeatedly accepted payments while continuing to reconnect or maintain service. XXXX also represented that it would temporarily credit the account and restore service. Despite this, XXXX later reported a substantially larger balance without providing a complete accounting. Known payments supported by receipts include : XX/XX/year> {$120.00} XX/XX/year> {$120.00} XX/XX/year> {$110.00} XX/XX/year> {$180.00} XX/XX/year> {$140.00} XX/XX/year> {$200.00} XX/XX/year> {$330.00} These payments, combined with XXXX 's billing statements, credits, suspensions, reconnections, and subsequent balance increases, create material inconsistencies that XXXX has not reconciled. I request : XXXX. A complete itemized ledger from account opening through closure. XXXX. Documentation showing how every payment was applied. XXXX. Documentation for every credit, reversal, late fee, reconnection fee, and device acceleration. XXXX. Correction of any inaccurate balance. XXXX. If XXXX can not substantiate the amount being furnished to the consumer reporting agencies, immediate deletion of the tradeline from XXXX XXXX XXXX XXXX. This is a dispute regarding the accuracy of the reported balance, not a refusal to pay any legitimate debt that XXXX can substantiate. Exhibits A - XXXX billing statements B - XXXX credit/restoration email XXXX XXXX Payment receipt : {$120.00} ( XX/XX/year> ) D - Payment receipt : {$120.00} ( XX/XX/year> ) XXXX - Payment receipt : {$110.00} ( XX/XX/year> ) F - Payment receipt : {$180.00} ( XX/XX/year> ) G - Payment receipt : {$140.00} ( XX/XX/year> ) H - Bank payment : {$200.00} XXXX - Bank payment : {$330.00} J - Transfer/disconnection notice

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 2026-07-12 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: VT

Complaint narrative:
Citi is telling me they can charge me interest for XXXX after paying my balance in full. This is ILLEGAL. They are claiming it was for interest in XXXX. But I was not even incurring interest until XXXX. I recorded the call and attached that

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 2026-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding the actions of Regional Acceptance Corporation in connection with my auto loan after my vehicle was declared a total loss following a motor vehicle accident. After my auto insurance company paid its portion of the claim, Regional Acceptance Corporation advised me to request a payment extension while we waited for the XXXX claim to be paid. I relied on their guidance and obtained the extension because I believed it was necessary and would not affect my XXXX coverage. I later learned that the payment extension created a serious problem because my XXXX provider does not cover deferred or extended payments. As a result, there is now an unpaid balance on my loan that would not have existed had I not followed Regional Acceptance Corporation 's instructions. In addition, Regional Acceptance Corporation repeatedly told me that they had submitted my XXXX claim. I later discovered that this was false. The claim had not been submitted, and I ultimately had to file the XXXX claim myself. This caused unnecessary delays in processing the claim and unnecessarily prolonged the payoff of my loan. Because I was concerned about my credit being negatively affected, I was forced to make a payment out of my own pocket while this matter remained unresolved. I should not have had to make that payment, as the financial situation was caused by the inaccurate information and delays on the part of Regional Acceptance Corporation. I relied on the information and instructions provided by Regional Acceptance Corporation throughout this process. I believe I was misled regarding both the status of my XXXX claim and the consequences of requesting a payment extension. Their actions resulted in financial harm that I believe could have been avoided. Thank you for your time and consideration. I look forward to a fair resolution of 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 2026-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: AR

Complaint narrative:
I am writing to request a management review of my account and my recent interaction with one of the representatives at ProCollect XXXX XXXX. I contacted ProCollect with the intention of resolving my account in good faith. During our conversation, I asked questions regarding the settlement terms and how my account would be reported to the credit bureaus after payment. Rather than answering my questions or explaining the available options, the representative became unwilling to continue assisting me after I asked for clarification kept speaking over me and declining to honor or provide written agreement for previously discussed terms. I called back multiple times and all representatives were made to transfer me to her and she stated she would not honor initial terms of removing my debt from credit bureaus. As a consumer attempting to resolve an outstanding debt, I believe it is reasonable to ask questions before agreeing to a settlement. I should be able to fully understand the terms of any agreement before making a payment. I remain interested in resolving this account and would appreciate the opportunity to work with a manager or another authorized representative who can review my account and clearly explain the settlement options available, including how the account will be reported to the credit bureaus after payment. If any settlement terms are offered, I respectfully request that they be provided in writing before payment is made. I have emailed two other officials within the company and as of XXXX business days later have received no response or phone call to help me achieve a fair resolution. I was initially offered terms when contacted them on XX/XX/year> however did not have funds available. Called again to try to receive written terms on XX/XX/year> and was when my interaction with XXXX occurred. She told me she would not transfer to someone else as she was management and I would be dealing with only her after I requested another representative. I appreciate your time and look forward to your response. Please contact me at your earliest convenience so we can resolve 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 2026-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
I stated that I did not have access to my mobile device and wallet when these fraudently charged occurred. Yet, they told me they found no error how is that possible when I didnt have my phone so I was not aware of the charges happening.

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 2026-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Someone posed as an attorney and he requested {$500.00} from me. He was not an attorney. I filed for a refund that was issued but this creep company Fidelity information services then removed my money and placed it in their account. I have the texts messages from this lowlife scammer.

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 2026-07-12 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: CA

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX XXXX was moved to Citibank in XXXX XXXX. Prior to recieving an account number, card or statement from Citi I phoned customer service on XX/XX/XXXX that I did not want to continue with the AA card and wanted to close the account. I was told there was a recurring charge of {$34.00} that had accrued interest and also the annual {$99.00} membership fee. Told customer service that I would pay the {$34.00} but not late fee since I had no access to the account during the transition and that I would not pay the {$99.00} annual membership since I did not want to continue in that program with Citi. The rep agreed and I provided the {$34.00} charge and the account was closed on XX/XX/year>, which I have an email confirming. However, since that time I have made several calls to Citi because I keep getting notices that my account is past due and on one occasion I was told it would be handled but today after receiving several emails about the account I called and was transferred to collections. After explaining the situation I was transferred to customer service and that rep insisted that I pay the charges despite my explanation of the closing of the account and payment of my final XXXX recurring charge that was assumed by Citi. Received statement for {$65.00} with minimum due {$36.00}. I have no idea what these charges are for.

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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Federal Savings Bank Opened Educational Savings Accounts for each of my children Opened TUTMA Checking Accounts for each of my children All XXXX accounts I am on the account as the parent mother of the children. individual Savings and Checking Accounts These accounts were changed well after they reached XXXX and recently in the previous years somewhere between XXXX. address changes were made ( not by me ) debit cards fraud ( cards were ordered under my name ( previous name ) wire fraud unathorized electronic funds transfer transfers out of the accounts to an external unknown bank account USAA personal loans are being paid from these accounts USAA auto loan is being paid from these accounts

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 2026-07-12 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: FL

Complaint narrative:
Complaint Against Citibank I am filing this complaint because Citibank has reported late payments on my credit report after closing my fraud dispute, despite the fact that I submitted the documentation they requested before they closed their investigation. Timeline of Events I disputed fraudulent charges on my Citibank credit card. During the investigation, Citibank requested additional documentation from me. On XX/XX/year>, I emailed the requested information to the Citibank Executive Response Unit at XXXX, the email address provided by Citibank. My email included three attachments containing the requested documentation, and I specifically asked Citibank to confirm receipt and let me know if they needed anything further. I never received any response indicating that my email had not been received or that additional information was needed. On XX/XX/year>, Citibank closed my dispute. The letter I received stated that they had continued their investigation with the information available because they " didn't receive the information we needed '' and therefore closed the dispute in my favor. After receiving that letter, I immediately contacted the Executive Response Unit again on XX/XX/year>, explaining that I had already submitted the requested documentation on XX/XX/XXXX and that I had proof it had been sent. I asked why my case had been closed despite my timely response and requested an explanation. Harm Caused Because Citibank closed the investigation and has continued reporting my account as delinquent, they have reported late payments to the credit bureaus. These late payments have damaged my credit profile and continue to negatively affect my creditworthiness. I made every effort to cooperate with Citibank 's investigation. Based on my records, I submitted the requested documentation before the investigation was closed. I do not understand why Citibank states they never received it or why I was never contacted before my dispute was denied. Resolution Requested I respectfully request that Citibank : Reopen and conduct a complete review of my fraud dispute. Review the documentation I submitted on XX/XX/year>. Correct any inaccurate reporting to XXXX XXXX and XXXX if the late payments resulted from Citibank 's handling of this dispute. Provide a written explanation of why my XX/XX/XXXX submission was not considered before closing my investigation. Correct my credit reporting to accurately reflect the outcome of a properly reviewed investigation. I have retained copies of my XX/XX/XXXX email with attachments, my XX/XX/XXXX investigation closure letter, my XX/XX/XXXX follow-up email, and documentation showing the resulting credit reporting.

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 2026-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
Firstsource Advantage keeps contacting me about an alleged debt that I do not owe. Firstsource has sent multiple emails in back to back cases about this alleged debt. I refuse to pay any part of this allege debt and will give you one warning to cease contacting me after receiving this complaint or you will be immediately sued. My demand amount with me {$2500.00}. Do not contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX received a notice of debt collection attempt from "CREDIT COLLECTION SERVICES" on XXXX\nthis debt is not mine. I have never done business or otherwise requested any services from this company and or the company they allege the debt is owed to.\nReference number: XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation