vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of my loan account by Toledo Finance XXXX. I believe the companys actions have been unfair and have caused me significant financial hardship and XXXX. 

On or around XXXX of XXXX, I obtained a loan with the understanding that the terms and repayment requirements would be clearly explained and fairly administered. Since then, I have experienced the following issues : * Do not receive statement when payment is due or how much I owe. 
* A representative contacts my references and they feel harassed. 


I respectfully request that this matter be investigated and that appropriate action be taken. I am seeking the following resolution : * Stop calling references. The company will get their money at the due date. Would like to receive a statement with payment due date and what is owed. Also would like the ability to schedule a payment ahead of time so the company I am making payments. 

Thank you for your time and consideration. I appreciate your review of this matter and look forward to a fair and timely resolution.

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 2026-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wired money on XX/XX/year> from my business account ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX  to my Brokerage account at XXXX XXXX ( to be credited to my account of XXXX XXXX XXXX ). 
The amount of the wire was {$10000.00}. The sender and recipient were the same through the intermediary bank ( Citibank ) and then XXXX XXXX for further credit to my account of XXXX XXXX XXXX. 
After many inquiries as to why the money was not received by XXXX XXXX, finally, after 5 days, Citibank notified my bank that they placed a hold on the wire because of a possible XXXX  issue. Citibank sent 2 sets of questionnaires through my bank ( XXXX XXXX  XXXX ), which I answered truthfully and sent back. 
I also found out that it is not the XXXX XXXX XXXX that is placing a hold on the money but rather Citibank 's internal compliance dept thatis holding the money. 
It should be noted that Citibank never advised us about this issue until I, through my bank, repeatedly requested the tracking number ; then they responded. 

Now, Citibank is telling my bank that they don't know when they will finish their review and claimed I just have to wait indefinitely for them to do their review. 
Speaking to XXXX office they claimed that it is not legal for the bank to hold the money indefinitely without giving a reasonable timetable.

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 2026-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
A representative named XXXX XXXX whose number is XXXX is illegally holding my money and will not let me withdraw my funds. There is {$57000.00} being held. XXXX XXXX all my accounts were closed and they are refusing to release all my money to me. My account number at US bank is XXXX. I did a wire transfer into the account XXXX XXXX from XXXX XXXX brokerage account and closed it that day so XXXX can no longer recall the money because the account is closed and I was the one who did the wire.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX an intended single transfer of {$18000.00} from my Bank of America checking account to my XXXX XXXX XXXX account was duplicated due to what appears to have been an error in the XXXX XXXX application. This resulted in two separate {$18000.00} transfer requests against my checking account. 

As soon as I became aware of the duplicate transaction, I immediately contacted Bank of America by telephone and explained that one of the transfers was erroneous. I specifically requested that the duplicate withdrawal be stopped or that appropriate action be taken to prevent my account from being overdrawn. 

Despite my prompt notification and request, no action was taken to stop the duplicate withdrawal or otherwise protect my account from an avoidable overdraft. As a result, my checking account was exposed to unnecessary financial hardship, including the risk of overdraft fees, returned payments, and other financial consequences. 

I find it deeply concerning that, even after notifying Bank of America before the duplicate transaction was completed, I was told that nothing could be done. Customers reasonably expect their financial institution to take appropriate action when an apparent duplicate or erroneous transaction is reported promptly, particularly when it threatens to overdraw an 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 explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The debt collection agency ProCollect , Inc. is attempting to collect an apartment collection for XXXX XXXX in the amount of {$33000.00} for a balance from me for a lease agreement I never signed at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX, Texas. My husband was the sole applicant who signed the lease. 
I previously submitted a rental application to this property for an entirely different unit, that was explicitly DENIED. The original landlord illegally harvested my Social Security Number and Driver 's License from that denied application, appended my identifiers to my husband 's separate debt, and sold it to ProCollect. Furthermore, the original landlord has sold the underlying real estate property and no longer owns or manages it, meaning they have no active legal records or authority. ProCollect is now violating the FDCPA by refusing to email me a written debt verification letter or provide any contract proving my liability. I am not a party to this debt. I demand ProCollect immediately delete my SSN and Driver 's License from their system, cease all collection communication, and provide an absolute credit deletion.

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 2026-07-14 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: Arivo Acceptance, LLC
State: TX

Complaint narrative:
To summarize, the servicer has enough funds including over a year of post total payments to process the Gap and Insurance proceeds, including post vehicle being totaled payments to payoff the vehicle and honor my request for the buyback, yet they still refuse to do so, despite retaining an attorney to assist. I continued to make my car payments in good faith that they will work my attorney and get this wrapped up. They have made threats that they were no within law to make, amongst many egregious claims and false statements. They will not provide and can not provide any business justification to refuse the buyback. I have been in servicer oversight all my career, although in mortgage industry, I am well aware they have rules and laws they must follow, including acting in the best interest of the investor. All of their actions are in spite and in determent of whatever investor of entity that owns the balance of my loan. XXXX XXXX provided me a document to honor the buyback and has continuously refuted Arivos claims that it is XXXX XXXX denying the buyback. Arivo has strung out this process so long that XXXX XXXX has threatened to close my claim. I have exhausted all options in the pursuit to simply keep my car and Arivo has blocked every effort and made this process impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Virginia XXXX Virginia CREDIT COLL XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Account Number : XXXX Amount : CREDIT COLL - XXXX : {$300.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Chain of Title of ownership of the debt * 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
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WA

Complaint narrative:
When I was XXXX I opend an account and I got an email threw my school email saying " remote jobs '' it described being paid XXXX a week having a job while focusing on school. Thought it was from the school, I went threw with applying and was told to send the check that they sent me, to a charity threw pay pall, I pulled money out and sent XXXX to a " charity '' then few weeks later turned out the check was fraud and my account was frozen

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 2026-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX XXXX at approximately XXXX XXXX XXXXXXXX I went on to BankAmerica online website and selected the chat option. A woman named XXXX came on the chat and I proceeded to explain my problem. I indicated I didn't think she could help since I had contacted a chat colleague prior and failed to gain satisfaction, but that we would at least try. I told her I couldn't determine who a certain merchant was because of the name of the merchant ( XXXX XXXX XXXX XXXX ). The transaction in question was posted on XXXX XXXX XXXX  in the amount of {$20.00}. When XXXX wrote she had no more information than what was on the online statement I proceeded to ask her if she had the address or some other means of identifying the merchant so I could verify if the charge was valid. Instead of responding she proceeded to block my debit card and summarily ended the chat. She never responded back to help further. By blocking the card, I have had to replace it with an entirely new card with new number/information, forcing me to spend hours changing the card information I have already inputted on web sites I use to purchase a wide variety of items. This is an extreme aggravation as you can imagine. In my opinion, the action taken by XXXX was clearly intentional. I followed up and spoke to a supervisor at BankAmerica and requested compensation of at least $ XXXX for my time and aggravation. He flatly refused, saying the Bank declines to do so. This is not right and I'm so incensed about it I'm taking time out of my work day to submit this memo.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
It is very difficult to get a hold of anyone at Bank of America to talk about overdraft fees and other fees. I was on hold for over an hour and the mobile chat does not work. Messages sent through their XXXX XXXX XXXX do not actually make it to the XXXX on the other line, and there are often glitches where XXXX repeats the same chat sequence in an endless loop.

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 2026-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hyundai Motor Finance is reporting a factual contradiction on my credit report. They are listing my account status as a 'Charge-Off ' with a {$920.00} balance, while simultaneously listing my payment history as 'Never Late '. This {$920.00} balance is the result of an insurance payout residual ( deductible and property tax ) following a total loss accident, not a standard consumer credit default. I filed a formal dispute with the credit bureaus, but Hyundai rubber-stamped the verification without investigating the logic error. Because Hyundai is violating the Fair Credit Reporting Act ( FCRA ) by knowingly maintaining inaccurate, contradictory data on my report, I demand the immediate deletion of this derogatory 'Charge-Off ' 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 explanation
Consumer complaint received 2026-07-14 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: LDF Holdings, LLC
State: NJ

Complaint narrative:
excessive apr rates over 400 %. my loan should have been paid off by now had the not charged these outrageous rates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had {$0.00} or less in my account t. They allowed SEVERAL UNAUTHORIZED drafts to complete resulting in my account falling even FURTHER into the negative! And EACH TIME HIT ME WITH AN OVERDRAFT FEE ON TOP OF IT! When I called to try and get it resolved I was passed around from department to department and one lady called me a XXXX XXXX XXXX. I can not for the life of me understand how these establishments are able to get away with this!! Its robbing people who are already down. They ALLOW drafts when theres NO MONEY to draft from so they can hit us with fee after fee after fee!!!! This should be illegal! Its THEFT!

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX I obtained a cashier 's check for {$2000.00} drawn off my money market account at XXXX XXXX XXXX. I deposited this check in the Wells Fargo ATM on XXXX XXXX in XXXX XXXX, CA. My receipt showed the bank held back {$1600.00} from the deposit, in spite of it being a cashier 's check. I asked the banker about this and he said the check had to be " processed ''. I went to another Wells Fargo ( located in XXXX XXXX on XXXX XXXX ) and the teller told me cashier 's checks are not put on any hold. I asked her to make the remaining deposit available to me. She called a banker who said the check is not on hold but was being " processed ''. He asked if I wanted to make a complaint and I declined. I then phoned Wells Fargo and the agent told me that the check was on hold and her supervisor said the same. All three bankers were condescending while refusing to make the funds available.

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 2026-07-14 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: NY

Complaint narrative:
Issue : Credit card dispute improperly denied despite written merchant evidence. 

I am submitting this complaint because Citi failed XXXX  properly investigate my billing dispute. 
I disputed an approximately {$1300.00} charge from XXXX for an upgrade that XXXX cancelled. 
XXXX sent me an official email stating : We have cancelled your upgrade offer for this flight. You will not be charged XXXX  you do not need XXXX  take any further action. 
Despite this written representation, the charge was posted XXXX  my Citi XXXX account. 
During the dispute process, Citi informed me that XXXX stated upgrades are not refundable XXXX  denied my claim. 
My dispute is not based on XXXX general refund policy. It is based on XXXX specific written promise that I would not be charged. 
I provided Citi with XXXX written cancellation notice, but Citi nevertheless accepted the merchants later statement without adequately addressing the documentary evidence.

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 2026-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy & Holthus, LLP
State: TX

Complaint narrative:
Prior Complaint No. XXXX was categorized as False statements or representation against XXXX & XXXX XXXX The complaint included documentary attachments supporting the disputed facts. The case was closed without any substantive company response visible XXXX  me addressing those documents, the alleged false statements, or the evidence submitted. I contacted CFPB by XXXX, XXXX  the representative confirmed the attachments were available XXXX  advised that I could submit a XXXX  complaint concerning the same or related conduct. These documents were also submitted with prior CFPB Complaint No. XXXX. They are reattached because the prior complaint was closed without a substantive response addressing the documentary evidence, XXXX  I request that each attachment be reviewed XXXX  answered in this complaint.Please go back XXXX  the other complaint XXXX  open the XXXX document. I dont want XXXX  have XXXX  continue XXXX  find upload XXXX  rescend the same documents while this company just ignores XXXX  gives a blanket statement without addressing the issue. I have more proof of servercer neglect XXXX  ineptitude that can be produced on call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Its was XXXX withdrawal from my account in a branch on XX/XX/XXXX I didnt notice my cards was stolen or the money was withdrawn until about XXXX  days later in Wells Fargo said i authorized it so I cant get my money back they never showed me a camera with who was in the bank on the day or nothing they just said I gave the person my XXXX number that doesnt make any sense

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