vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Formal Complaint Against : Golden 1 Credit XXXX  : Deceptive Fee Practices/ Refusal to Correct Inaccurate Fee AssessmentI am filing a formal complaint regarding a {$25.00} fee assessed by Golden 1 Credit Union. I attempted to cancel a pending peer-to-peer transaction sent via XXXX. The recipient was completely un-enrolled in XXXX, meaning no funds ever left the institution or transferred to an outside account.When I requested a cancellation of this unclaimed, incomplete transfer, Golden 1 charged me a {$25.00} fee. XXXX  support and the internal escalation team explicitly stated that they " can not refund it because it was a XXXX network fee, not a Golden 1 fee. " However, Golden XXXX own public disclosure states : " Canceling a XXXX payment may incur a stop payment fee. Please see the Golden 1 fee schedule for more information. '' This proves the fee is an internal credit union stop-payment charge, not an unrefundable third-party XXXX vendor fee. Golden 1 is misrepresenting their own fee schedule to avoid issuing a standard courtesy waiver on an incomplete transfer where no loss occurred. I request that the XXXX direct Golden 1 Credit Union to reverse this {$25.00} fee immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: INDIANAPOLIS NEIGHBORHOOD HOUSING PARTNERSHIP
State: IN

Complaint narrative:
The mortgage lender approved underwriting and funding based on a grossly negligent appraisal report. The appraiser 's XX/XX/year>, report completely failed to disclose a major, recorded 175-foot-wide XXXX  electrical transmission easement that encumbers roughly 60 % of the property and sits just 15 feet from the rear of the home. He even noted, " no apparent easements or encroachments '' on the document. The lender procured this particular appraiser. This severe adverse site condition results in a massive diminution of value, meaning the lender funded a loan on heavily compromised collateral. I am seeking a formal review of the appraisal procurement and a resolution from the lender 's risk management 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 2026-07-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing an emergency federal consumer protection complaint against Citibank for engaging in a documented pattern of deceptive trade practices, systemic consumer misinformation, and actively holding capital hostage. I am a XXXX XXXX XXXX. I moved my capital to Citibank in good faith to evaluate a new banking relationship based on an advertised promotion. Instead, branch personnel have physically barred me from accessing my funds, demanding an illegal 3-month interest penalty to withdraw my money after utilizing active verbal fraud to trap my funds into a renewal contract.On XX/XX/XXXX, a deposit of {$30000.00} was made into Citibank to qualify for an advertised {$750.00} cash promotion. On XX/XX/XXXX, the branch was visited because the initial CD had expired and a renewal cycle was required. While managing this renewal, employee XXXX XXXX processed a transaction that consolidated the funds. During this process, XXXX XXXX prematurely closed the required promotional checking account 20 days prior to the 120-day holding milestone. He did this while providing explicit verbal assurances that the promotional credit was safe and securely locked into the profile records.On XX/XX/XXXX, the CD term matured again. Employee XXXX XXXX explicitly stated, " All your money is there, '' confirming the promotion had been applied. Relying completely on this professional misrepresentation, a new 7-month CD renewal was executed at 3.75 %. Upon reviewing the printed statement at home, it was discovered that the {$750.00} bonus was entirely missing and the balance consisted solely of the original principal plus standard interest.On XX/XX/XXXX, I returned to the branch to protect my capital and execute an account closure. Employee XXXX XXXX called an internal corporate hotline regarding the missing {$750.00} promotion, which flatly refused to honor the credit due to the automated system flag triggered by his own checking account closure error back in XXXX. When a request was made to pull the entire balance from the CD due to this fraud, XXXX XXXX called outside branch manager XXXX XXXX to review the account. They flatly denied the request to withdraw the funds penalty-free, repeating that the money was entirely " locked in '' to the new CD. Citibank staff used active verbal deception to induce the signing of a renewal contract under false pretenses. The branch is now using a 3-month interest penalty threat to trap {$31000.00} inside their vault. I was forced to walk out empty-handed while employee XXXX XXXX opened an internal case ( XXXX ) XXXX I refuse to wait for an internal review of a problem caused entirely by the branch 's own staff 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 monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX. The purchase price was just over {$7000.00} and I gave them a cash downpayment of {$4000.00}. The balance was to be financed by Credit Acceptance, which would have been something over {$3000.00}. The dealership forced me to sign my husband 's name to the credit app and all paperwork associated with purchasing the vehicle. My husband was in Georgia at the time of purchase. I notified Credit Acceptance of the forgery and they told me not to make any payments on the loan while the fraud was investigated. Credit Acceptance found it to be in fact fraudulently signed and verbally told my husband over the phone that they had removed him from the loan and then said that because he was no longer on the loan, they would not give him ANY information as to the status of the investigation.So they acknowledged the dealership 's forgery, illegally altered the contract over the phone to remove my husband, verbally instructed me to stop making payments during their fraud investigation and as of last night, they wrongfully repossessed the vehicle and per the paperwork they had me sign, they allowed the dealership to committed payment packing by hiding the true cost of the loan and pack the contract with illegal charges, raising the total amount of the loan to {$13000.00} on a {$7000.00} vehicle.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am filing this complaint due to a direct violation of Regulation E error resolution timelines by U.S. Bank. On XX/XX/2026, I reported a batch of unauthorized, fraudulent card transactions totaling {$1900.00}. Today, XX/XX/2026, is officially the XXXX business day following that notice. Under federal law, the bank is required to either finalize their investigation or grant me a provisional credit by today. 

When I contacted the bank to demand my funds, representatives flatly refused, claiming they extended the entire investigation timeline to XX/XX/2026, because I reported additional unauthorized charges on XX/XX/2026. Under Regulation E, merging separate transaction dates into a single internal system file does not legally extend or pause the independent regulatory clock for the original XX/XX/XXXX dispute. 

Furthermore, because the bank failed to release my {$1900.00} provisional credit by today 's mandatory deadline, an automated merchant transaction has just pushed my active checking account into a negative balance of - {$160.00}. This failure directly exposes me to wrongful overdraft and NSF fees. The bank 's online platform is also throwing technical system errors preventing me from viewing important account notices. I demand that U.S. Bank immediately reverse the illegal delay, process a manual override to apply my {$1900.00} provisional credit, and waive any and all fees associated with the account being forced into the negative due to their compliance failure.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank closed my account and is holding my balance of {$1500.00} due to a name mismatch on a XXXX transfer. I want to emphasize that this is a fully legitimate transaction and NOT fraud. My XXXX account uses my NEW legal name, while my Citibank account still reflects my OLD legal name. I can possess the official, court-ordered Name Change Decree that legally bridges both names, along with matching government-issued IDs for my identity. However, I reside in Massachusetts, where Citibank HAS NO RETAIL BRANCHES. Forcing an out-of-market customer to drive XXXX hours round-trip to Connecticut OR NEWYORK just to show a name change paper is an unreasonable and discriminatory barrier. I demand Citibank 's Executive Response Team contact me immediately to provide a secure online document upload link for my Name Change Decree and mail my remaining balance of {$1500.00} via Cashier 's Check to my verified address in Massachusetts.

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 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I received a Best Buy citi bank credit card for the amount of {$4000.00} limit. I used the card for {$2900.00} on XX/XX/year> and XX/XX/year>. Citi bank allowed the purchase and shipping to continue and arrive at my home. This proves Citi bank knew the charges were not fraud as they were delivered to my registered address. Citi Bank then marked my account for fraud and is refusing to give me details, unlock my account, or make automated or single time payments, in an attempt to add on late fees and investigate a non existent fraud case. After trying from XXXX on XX/XX/year> to make varies ways of payment, I called and spoke to Citibank which confirmed XXXX had marked my account for fraud but will not tell me why or allow payments from me in an attempt to accrue late fees. They are refusing my payments even after calling them

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 2026-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Begining XX/XX/year> I received a XXXX insurance check this year after a 4 year battle with my insurance company. We received the check and my wife and I endorsed and sent to my Mortgage company for disbursement. In speaking with my mortgage company before hand they said the would be returning a XXXX payment to start repairs on my house, then balance as needed for additional repairs, according to the law. 

Upon receiving my check they then informed me, because I missed a payment, they would be feeding me money as needed for repairs on my house. Frustrated, I was told there was no other option. They sent me XXXX for deposit for roof, then sent the rest upon inspection. Then they dispersed another check for stucco repair, which has been done. 
My house has been in shambles awaiting for the paint money and sealer money, and I have had to use my own money to buy sealer for the exposed stucco to seal it because we have no paint. I have sent multiple emails, read and delivery receipt, and have gotten no response from them. I have called numerous times. XX/XX/year> has been the last response, other than read recipt. I live in an XXXX  and am getting letters, soon to be fines, about my house and the state of disrepair. Can you please help me, I am currently filing for XXXX and very limited on work because of my health and they are keeping me from repairing my house.

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 2026-07-13 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: CA

Complaint narrative:
My HELOC loan provider paid {$3400.00} to my credit card company they cashed the check XX/XX/year> and have NOT credited the payment to my account

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing this hard inquiry under the Fair Credit Reporting Act, including FCRA 604, 15 U.S.C. 1681b, because I do not believe this company had a valid permissible purpose or clear authorization to access my consumer report. I am requesting that the company provide written proof of the application, consent, authorization, or other permissible purpose that allowed it to obtain my credit report. 

I also request that the company identify the exact source of the authorization, the date it was obtained, and whether the authorization was given directly to this company or through a third party, dealership, or lender network. If the company can not verify a valid permissible purpose and clear authorization, I request that the hard inquiry be deleted from my XXXX XXXX XXXX XXXX credit reports. 

If this inquiry was caused by unclear, misleading, or unauthorized credit-pull practices, I also believe this may raise concerns under the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices. I am not requesting money. I am requesting verification, removal of any unverified or unauthorized inquiry, and written confirmation of the investigation results.

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 2026-07-13 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: FL

Complaint narrative:
I am disputing a denied chargeback related to an item-not-received transaction. On XX/XX/year>, a charge of {$510.00} was made on my credit card account for a XXXX XXXX order ( Order # XXXX ) from third-party seller XXXX 
The item was never delivered. The XXXX app marks the item as 'Delivered ' but it provides no carrier information, no tracking numbers, and no routing history. I contacted XXXX XXXX multiple times to report non-receipt ; XXXX ultimately denied my refund request. 
At the time of the charge, my account was with XXXX, and I initially filed a dispute with XXXX for item not received. During the dispute process, my account was migrated from XXXX to Citibank. The dispute was subsequently handled and denied by Citibank on XXXX XXXX ( letter attached ), reference # XXXX. 
I am concerned that the account migration between XXXX and Citibank caused evidence, case notes, or documentation from my original dispute to be lost or not properly transferred, resulting in an incomplete review of my claim. I have not received a clear, documented reason for the denial that addresses the actual evidence of non-delivery. 
I am requesting that Citibank : 1. Provide the specific reason code and evidence relied upon to deny this dispute in writing.

2. Confirm whether the full case file from XXXX ( including my original dispute submission and any correspondence ) was transferred and reviewed.

3. Reopen and properly re-review this dispute given the documented service/account migration issue.

4. Reverse the charge on my account if no clear, demonstrable proof of delivery is provided. 
I have documentation of my communications with XXXX regarding non-delivery and am prepared to provide 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 explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint to request a regulatory review and a one-time courtesy exception from Citibank regarding a massive deferred interest charge. I attempted to resolve this through internal executive escalation channels, but was denied a waiver by an executive resolution representative named XXXX, who stated a waiver was impossible solely due to the length of time that has passed ( six months ). Because standard systems can not accommodate this timeframe, I am seeking a manual override due to the extreme personal and medical circumstances involved. 

On my XXXX statement, I was charged {$890.00} in backdated deferred interest after missing the exact end date of a 0 % promotional period. This end date fell during a time of significant personal upheaval ; I had just given XXXX, experienced an unexpected XXXX, and was in the middle of moving to a new home. Amidst these major life events and health challenges, missing the specific promo deadline was an honest oversight. 

I have since completely paid off the initial {$1200.00} promotional balance. Most recently, I made a payment of {$370.00}, which covered my remaining balance of {$340.00} plus a {$30.00} late fee that was applied this month due to an issue updating my information after changing bank accounts. 

Prior to reaching out to the executive office, I called customer service to try to resolve this and spoke with multiple supervisors, the highest of whom was XXXX. They informed me that due to system limitations regarding older statements, they could only waive the interest charges from the last two months.

While I am entirely willing to pay the standard interest charges that have accrued since XXXX, the {$890.00} retroactive charge is a massive financial hit given our recent medical situations. Now that the entire promotional balance has been paid in full, I am asking for an executive exception for a one-time courtesy waiver of this specific {$890.00} charge.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: OH

Complaint narrative:
I am submitting this additional information regarding my dispute with Albert and requesting that the CFPB reopen or supplement my complaint because Albert has failed to properly investigate my claim and has stopped communicating with me.

Albert denied my claim based on conclusions that are not supported by the evidence. Their denial relied on generalized statements rather than addressing the actual facts of my case. During the time the disputed transactions occurred, I was incarcerated and therefore could not have made those transactions myself. In addition, my phone was stolen while I was incarcerated, giving the person responsible access to information stored on my device. 
Since Albert issued its denial, I have obtained additional documentation supporting my claim. I submitted this new evidence to Albert and requested that they review it. Despite doing so, Albert has ignored my attempts to communicate with them. I have called multiple times over the past week, left messages, and requested a return call, but no one has responded.

A financial institution should not ignore a customer after receiving new evidence relevant to a fraud investigation. Instead of conducting a meaningful review, Albert has refused to communicate and has left me without any explanation regarding whether my newly submitted documentation was even considered.

I respectfully request that the CFPB require Albert to : Conduct a new, thorough investigation that considers all of the evidence I have submitted. 
Explain specifically what evidence they relied upon in denying my claim instead of relying on broad, unsupported conclusions. 
Confirm that my newly submitted documentation has been reviewed. 
Respond to my repeated requests for communication instead of ignoring them. 
Provide me with a complete explanation of how they determined that no error occurred despite the evidence I have provided. 
I have made every effort to cooperate, provide documentation, and resolve this matter directly with Albert. Instead, my calls have gone unanswered for more than a week, and I have been left without any meaningful response. I am asking the CFPB to intervene and ensure that Albert complies with its obligations to conduct a reasonable investigation and fairly consider the evidence I have submitted.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo failed to follow normal bank processing times. Cashing a {$50.00} check with proper ID should take only a few minutes, but the branch created unnecessary delays and attempted verification steps that are not part of standard procedures.

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