vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank on behalf of Best Buy has been calling repeatedly throughout the day starting promptly at XXXX XXXX. This is causing a significant amount of stress and anxiety. I understand there is a 7 in 7 rule, which is clearly being intentionally violated as they call as many as 7 times on a daily basis. They have called a total of 27 times in the past 7 days and today isnt over yet. I receive these calls while driving, during meetings at family and social functions etc which is also embarrassing. At this time, Im merely late on payment and up until now have not been late in more than 3 years.

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 2026-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I have called the company and attempted to obtain information pertaining to the original date of service, the location of the service, who the service was provided for, anything. They were unable to provide anything at that time. I disputed this on my credit report as well. The company has been unable or unwilling to provide anything verifying the original debt before it was purchased by their company. Additionally, at this point, I dont believe they should even be pursuing payment on this account due to the age of the original debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called back again and I was told the same thing I was told for the last 2 weeks and I need access to my money I told him that I need to get my medicine I can eat I have no no cold water my bills are getting stacked up and my rent is due

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 2026-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I made a mistake in the payment I sent to Freedom Mortgage for the month of XXXX. On XX/XX/XXXX of this year, I sent them a payment in the amount of {$2000.00}. The amount that I meant to send was {$2000.00}. I was {$69.00} short. In early XXXX, I started receiving messages from various credit reporting agencies that my credit score had dropped. At this point I had no idea why this would happen, and importantly, I had not received any phone calls, emails or text messages from Freedom Mortgage or any other kind of correspondence or notifications. After reviewing the credit alerts, I was able to figure out what had happened and on XX/XX/XXXX I called Freedom Mortgage. I was told that I would have to submit my 'case ' to the message center as there was nothing that could be done over the phone. I did this and was assigned case number XXXX. While waiting for a reply from the message center I received various correspondence from Freedom in the mail ( see attachments ). On XX/XX/XXXX I received a reply from Freedom that they had reviewed my case and that they would stand by their decision to report my account as delinquent and would NOT make the corrections to restore my credit ( see screenshots ) On XX/XX/XXXX I called Freedom and paid the {$69.00} dollars that was the initial cause of this and was told that my account was now current. I asked the representative for help in restoring my credit and she said there was nothing she could do, and that Freedom was following the rules as required by Fair Credit Reporting. I submit that what happened is completely ridiculous, unreasonable and unfair. As of early XXXX, Freedom knew that the payment that I had made was short. They made no attempt to contact me. Instead, they reported my account as delinquent which has had a tremendous negative effect on my XXXX XXXX. Additionally, I have not once been late on any mortgage payments in the past. And, to correct this situation, Freedom has put the onus on me to contact the credit reporting agencies and 'prove ' what has happened. All of this could and should have been avoided with one simple phone call, text message or email. Even a letter sent via US Mail could have arrived in time to notify of me of the mistake I had made in the payment amount. The internal procedures that Freedom follows for these kinds of cases are unfair and unreasonable and they need to be changed, and Freedom Mortgage needs to be held accountable. All for {$69.00}.

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 2026-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Wells Fargo Credit Card Division On Sunday ( XX/XX/year> ), at approximately XXXX XXXX XXXX XXXX XXXX, I called the Wells Fargo Credit Card customer service line. I followed the automated IVR instructions exactly and entered my Social Security number as requested for account verification. The IVR then stated that it would transfer me to a representative. Instead of connecting me to an agent, the system abruptly announced that I would have to call back later, provided no explanation, and then disconnected the call. I called a second time the same day and experienced the same issue. The automated system again failed to transfer my call and instead disconnected me without any reason or opportunity to speak with a representative. Consumers should not be forced to repeatedly call back because of an automated system failure or unexplained disconnection. This unnecessarily delays access to customer service and creates an unreasonable barrier to obtaining assistance with a credit card account. I request that the CFPB and FTC investigate Wells Fargos credit card telephone system and customer service practices to ensure consumers have reliable access to live representatives and are not subjected to unexplained call disconnections after completing the required verification process.

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 2026-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
XXXX had filed bankruptcy and shut down and left my treatment incomplete within the first couple months of treatment, they did not fulfilled their contractual obligations of monitored orthodontic treatment, yet their financing partners are still demanding payment and largely affecting my credit score. I have disputed this debt and they are still trying to collect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against Google LLC regarding the deliberate withholding of my mandatory financial transaction records and itemized billing history. Over a period of time, tens of thousands of dollars in charges were processed through my account via Google Play. Following an account ban by a mobile game developer, the user facing purchase history was completely erased inside the app, leaving no visible record of the transactions. My financial institution has closed my billing disputes under the claim that services were rendered, yet Google, as the payment processor and merchant of record, is actively withholding the backend transaction data and itemized receipts required to legally verify these massive charges. I have made repeated formal requests to Google support teams, who have continuously stalled with empty timeline extensions and refused to provide the data. I am demanding that Google escalate this to their senior technical compliance team to pull the unadulterated server side history and deliver the complete, itemized transaction ledger for all charges processed on my account so that the total financial history can be verified.

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 2026-07-20 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: CA

Complaint narrative:
On XX/XX/year>, I received a suspended letter from Citibank which told me suspicious actions in my card. I called and they told me the problem was solved. I did not receive any bank statement since then. I called the bank and found out I needed to pay about {$3200.00}. I called the operator who is very nice. She helped me to dispute all online purchases. I paid {$170.00}. They issued me a new card. In XXXX, I still did not receive any bank statement, I called and there were over {$3000.00} charged in my account again.I disputed again and they issued me a new card. When I activated the new card, over {$6500.00} charges already on my card.I could not trust them any more, so I asked them to close my account and not send me any card. A few days later, the send me a PIN number for a new card. I ignored it. Now, they want me to pay {$7500.00}. I keep telling them that I am the victim of identity theft. I reported to ftc and XXXX XXXX police, but they still want to sue me in court. During this period, my other banks saving accounts were attract. I lost {$20.00} in my capital, but I did not lose any money in other banks.

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 2026-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
This guy called me left a nasty threatening message that he would contact every family member i have. Then he did and left them all nasty threatening messages to get me to call him back or else would not be good. Company was structured settlement out of utah

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had paid off my account completely and Elan XXXX abruptly closed my account. The sent me a letter saying my account was in danger, or that it was being used for fraud. They would not elaborate or reinstate my account. This happened in XXXX. In XXXX, a random charge popped up and I was assessed fees and given a negative mark on my credit. I paid this and now I have another fee and more negative reports. I talked to a supervisor today who told me he knows the charges are not correct, but he has no power to reverse them. He also told me that my account was closed for making transactions at a casino. I think the whole experience with them has been wrong and contrary to accepted 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 non-monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
" I filed a fraud dispute with Netspend 30 days ago for multiple unauthorized transactions Under Regulation E, Netspend was required to provide provisional credit within XXXX business days, which they failed to do. I have received no written extensions or denial notices. Furthermore, XXXX of the merchants has already partially refunded me, proving the transactions were fraudulent. Netspend is violating federal law by withholding my provisional credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
This complaint concerns a false representation about the character of a debt made by Eastern Account System of Connecticut , Inc. in its response to prior CFPB complaint # XXXX, submitted XX/XX/XXXX. Background : On XX/XX/XXXX, Eastern issued a collection notice ( XXXX XXXX. XXXX ) demanding {$320.00} from the original creditor XXXX XXXX. The {$320.00} consisted of {$300.00} in unreturned equipment charges and {$27.00} in California sales tax assessed on those equipment charges, as itemized on XXXX 's own XX/XX/XXXX billing statement. The bill explicitly lists the {$27.00} as : CA State Sales Tax {$18.00}, XXXX XXXX Local Sales Tax {$5.00}, XXXX XXXX XXXX Sales Tax {$3.00}, and XXXX XXXX XXXX Sales Tax {$0.00} calculated on the {$300.00} equipment charge. On XX/XX/XXXX, a written FDCPA dispute was submitted to Eastern at XXXX disputing the debt in full under 15 U.S.C. 1692g ( b ) and requesting debt validation including documentation supporting the full {$320.00} amount. Eastern did not respond directly to that dispute or to a follow-up confirmation email sent XX/XX/XXXX. On XX/XX/XXXX, Eastern responded to CFPB complaint # XXXX, crediting the {$300.00} equipment charge. Eastern then characterized the remaining {$27.00} as 'service provided through XX/XX/XXXX ' a service balance. This characterization is a false representation under 15 U.S.C. 1692e ( 2 ) ( A ). XXXX 's own XX/XX/XXXX billing statement submitted as documentary evidence to the prior CFPB complaint unambiguously itemizes the {$27.00} as California sales tax on the {$300.00} equipment charge. It is not a service balance. Eastern provided zero documentation from XXXX supporting its recharacterization of this amount as a service balance. Furthermore, XXXX 's own billing app reflected a credit balance of {$1.00} as of account disconnect meaning XXXX 's own records showed no balance owed by the consumer at the time of collection referral. Eastern has not addressed this discrepancy. Eastern has still not responded directly to the consumer despite a written email-only communication request submitted XX/XX/XXXX. Eastern 's only substantive communications have been through the CFPB complaint process never directly to the consumer or authorized representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I wanted to take out a XXXX $ loan but I never expected to be the interest rate of XXXX and payments of XXXX twice a month and XXXX payments in total I tried emailing the company but havent heard a response from 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 explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
FEDERAL CONSUMER COMPLAINT : ILLEGAL DEBT COLLECTION & FCRA VIOLATIONS I am filing this formal complaint because XXXX XXXX XXXX ( XXXX ) and Citibank are actively violating the Fair Credit Reporting Act ( FCRA ) and the Illinois Coerced Debt Law ( 205 ILCS 740/9.6 ). I am a victim of a severe criminal account takeover, physical duress, and extortion. On XX/XX/year>, a judge issued an official Illinois Order of Protection confirming this coercion. Under Illinois law, a consumer can not be held liable for debts incurred under duress. Citibank was notified of this fraud but instead of blocking the account, they quietly assigned this coerced debt to XXXX under an internal tracking number ( XXXX ). Furthermore, on XX/XX/year>, the credit data was manipulated to show a fraudulent balance of {$22000.00} and a manufactured scheduled payment of {$2800.00} against a {$4000.00} credit limit. This reports a false 550 % credit utilization rate, causing immediate, severe daily damage to my credit profile. Both institutions are deliberately ignoring a binding state court order.

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 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank deliberately waited to post my payment on my XXXX XXXX XXXX credit card, until after the statement period, in order to charge me interest. I completely paid off my balance and they still charged me XXXX more month of interest as if I had not. I paid them on XX/XX/XXXX my full statement balance of {$720.00} and yet they did not process it until after the statement period resulting in my still owing them {$15.00} on XX/XX/XXXX. It is unacceptable, this is on top of them leaving my balance transfer hanging for over a month with XXXX so they could charge me more interest and late fees. They ended up rejecting my balance transfer, even though XXXX XXXX confirmed with me that they paid XXXX for my balance. XXXX went ahead and charged me late fees and interest on a balance transfer they ended up rejecting. They are out-and-out crooks and scammers.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am submitting a complaint concerning the XXXX XXXX XXXXMilitary Star account ending XXXX. My XX/XX/year> statement charged {$100.00} in interest and identified an APR of 21.74 % on a balance subject to interest of {$5700.00}. The arithmetic appears consistent with a 21.74 % APR ; however, Military Star has not adequately explained why this high rate applies to my account or provided evidence that the rate was properly imposed. The statement contains language indicating that payment reversals or returned checks may cause the account to accrue interest at a penalty APR of 21.74 %. I dispute that Military Star has established that a qualifying event occurred, that I received proper notice of the rate, or that the rate continues to be legally and contractually applicable. During the billing cycle, Military Star credited a {$1000.00} payment on XX/XX/year>, and a {$320.00} XXXX payment on XX/XX/year>. The XX/XX/XXXX statement shows a past-due amount of {$0.00}. Nevertheless, Military Star assessed interest at 21.74 %.

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 2026-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OH

Complaint narrative:
I bought a prepaid NetSpend card at a gas station noted {$50.00} to this prepaid NetSpend card I then went online activated the prepaid NetSpend card that I paid for at the gas station not one that you have to wait 24 hours for the money to appear one then instantaneously has the funds loaded directly to the car now with this being said they would not let me access the card they would not let me use the card I still have not got my money from this card due to the fact that they said I had an account both a digital and a physical account that I have no clue about that has been flagged for suspicious activity that is fine if that is the case that is on them they should be telling me and rectifying that situation with me as well as activating the card that I had just purchased at a gas station that should not have to be registered because that's exactly what it is a prepaid card that you pay money for so that you can pay for things either online or in a store without any repercussions of any kind of identity theft or any theft at all. They should not be allowed to tell me that I paid the fee in the store for this certain card just to be told I can not access my money they never even got my mailing address so that they could mail me a check for my money.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a mobile deposit of my check they put a hold on it for two weeks same company that I have set up direct deposit with I have been with company almost 3 years never had issues with direct deposit anywhere else

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