vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX month ago while traveling abroad I noticed fraud on my Citi bank checking account. I informed my bank on the phone. This was not the first incidence of charges I didnt recognize so I decided in order to stop loosing money I needed a new bank account and new card. Ive been banking with them for XXXX years and never had problems so I figured it would be simple. After informing Citi bank of this they took away full access to my mobile app. Closed my account and my ability to access it. They then told me because I am not in XXXX right now ( I am traveling long term and will not be back soon ) I can not open an account with them. I explained that because I am out of the country this was my only way of getting money and eating/paying for XXXX XXXXXXXX other than a few small credit cards I have. I asked them to reopen the account and Ill just deal with it because I have no way to receive money or live while XXXX XXXX I was met with no solution and nothing but a XXXX apology. I have since been using friends to receive money and getting deposits into their account. This is both embarrassing and inconvenient. I am waiting for a debit card from a new account with XXXX XXXX but it has taken weeks. I was willing to deal with all this just wait for my brother to have to internationally ship my new cards to me paying XXXX of dollars for this inconvenience. But last night I attempted to get the remaining {$690.00} out of my account into my XXXX XXXX account. After being on the phone for XXXX minutes I was told they can only transfer my money to a Citibank accountwhich I cant open since Im not XXXX. When asked to speak to a supervisor I was stonewalled, when asking for a case number I was told there is no case number. Citi bank has at this point cost me hundreds of dollars in long distance charges and wasted XXXX hours of my life. This all taking place over the course of XXXX days dealing their dumb automated system and incompetent call center workers that are completely useless in helping. They have now decided that they are going to keep/steal my {$690.00} until I open a Citi bank account which they say I cant do unless Im in XXXX. Even if I came to XXXX just to open a Citi bank account the cost of flights would be more than the {$690.00} I would get from them. I refuse to lose my money because of their incompetence and I am asking for help to please just have the money they owe me transferred to a bank account where I am actually able to use it. Especially while traveling. Thank you for taking the time to read this and for any help you can give. This whole experience has been truly horrible and has cost me a great deal of time and extra 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 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am writing to file a formal complaint against CREDIT COLL for violating my rights as a consumer under applicable federal law. CREDIT COLL has reported an inaccurate account on my consumer report without providing the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). In addition, I was not provided a proper opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). These actions have resulted in inaccurate information being reported on my consumer report and raise serious concerns regarding compliance with applicable consumer protection requirements. I request that this matter be investigated promptly and that any information that can not be properly validated or verified be removed from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I wrote XXXX an email telling them that I did not have the money to pay them on their regular due date, XX/XX/year>, and that I could not pay them until XX/XX/year>. My oldest sister sent me the money to pay XXXX the {$150.00} on XX/XX/year>, so I sent Spotloan the {$150.00} on XX/XX/year>. They went on ahead and charged me the {$150.00} first on XX/XX/year> then again on XX/XX/year> after I had already paid them on XX/XX/year>. I wrote them another email telling them that I paid them on XX/XX/year> and that they charged me again for the same payment on XX/XX/year>. They sent me an email telling me that they would send me a courtesy refund and that it would take XXXX to XXXX business days to send me the refund. It has been XXXX to XXXX business days, but they still have not refunded me the {$150.00}. I have sent them XXXX or XXXX emails about when are they going to send me that refund for {$150.00}, but they have been ignoring my messages. I am hoping you can help me with this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX writing to file a complaint against CITIBANK for violating my consumer rights under XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in XXXX CFR XXXX ( b ) ( XXXX ). On top of that, I havent been given a chance to dispute the account, which XXXX entitled to under XXXX CFR XXXX ( c ) ( XXXX ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 2026-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: FL

Complaint narrative:
Trying to close my account, Albert app has a pesky way of making transfers take just long enough that I never can make time as the user to transfer pending amounts it auto-withdraws ( even after XXXX XXXX is turned off ), I can not stop it from doing this. This has made it impossible to close my account via previous attempts with customer service who gave me info on how to shut off smart saving but not how to transfer out the balance in my " investing portfolio " ( shows {$2.00} in XXXX section, XXXX in another, XXXX if I try to withdraw or transfer it out ).

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding a denial fraud claim with Wells Fargo. my debit card was stolen from mail before I received it .On02/20/2026 Someone who took the card activated it with unauthorized phone number and used it without permission .and withdrew XXXX dollarsI didn't authorize this transaction and I was not the person who used the card.The banker give last XXXX digit of phone number who activated it is XXXX. I file the claim, the claim no is XXXX. However Wells Fargo denial my claim.I belive the investigation did not properly consider that I never received the debit card because it was stolen from mail before it reached me. I am requesting that Wells Fargo decision be reviewed and the investigation be reconsidered.i would like Wells Fargo to provide and explain what evidence was used to determine that I was responsible for this unauthorized withdrawal. I am requesting assistance in recovering the funds that were stolen from my account and ensuring that this matter is reviewing fairly. I filed a police report case no is XXXX.ATM WITHDRAWAL LOCATION IS XXXX XXXX XXXX XXXX XXXX

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXXI am a XXXX XXXX XXXX XXXX XXXX cardholder with XXXX status, enrolled in autopay, with no late payments and a history of paying my balance in full every month. My current credit limit is XXXXOn an earlier occasion in the weeks prior, and again on XXXX XXXX XXXX, my card was declined for reaching its credit limit, despite having sufficient available funds to cover the balance. This is inconsistent with how the card was described to me at application, and inconsistent with credit limits I have received from other card issuers with lower usage and shorter account history.XXXX XXXX XXXX, I called XXXX customer service and was transferred between multiple representatives over the course of over an hour, with no resolution. I was told my only option was to manually pay down my balance, which I did XXXX, but was informed the payment would take up to XXXX business days to clear, leaving my available credit capped at approximately XXXX during that window.XXXXI then called XXXX (XXXX servicing partner) directly at the number provided by XXXX support (XXXX XXXX). Cardless confirmed they are also unable to increase my credit limit. On XXXX XXXX XXXX support (agent XXXX) confirmed via email that XXXXXXXX XXXX XXXX does not support credit limit increase requests at all, and directed me back to the same Cardless number that had already told me they could not help leaving me with no path to resolution from either party.XXXXSeparately, I attempted to add my husbands mortgage for payment through XXXX XXXX for XXXX feature. XXXX own marketing states that members can pay any U.S. mortgage through this feature. I was unable to add the mortgage, and was told informally that the paying cardholder must be a named borrower on the loan a requirement that is not disclosed anywhere the feature is advertised.XXXXI also raised a request for compensation (points or account credit) for the repeated declines, the multiple hours spent on unresolved phone calls, and the lack of a clear timeline across several follow-ups. This request was acknowledged XXXX by XXXX representatives (XXXX, case XXXXXXXX) as escalated to a XXXX team, but no compensation or resolution has been provided.XXXXI am requesting:XXXXA review and increase of my credit limit consistent with my payment history.XXXXCompensation for the time and inconvenience caused by this unresolved issue.XXXXClarification, in writing, of the mortgage payment eligibility requirements, and correction of XXXX marketing if a borrower restriction in fact applies.'

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 2026-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX ( who had the debt from synchrony ) and negotiated a settlement. They represented that accepting payment on a settlement that was for less, they would provide the {$0.00} balance letter once the payment had been received ; which did not take place. I never received a receipt just a confirmation number ( XXXX ). It was represented that the letter would be settled for less with {$0.00} balance and instead they reported the balance remaining from the settlement which is negatively impacting my XXXX XXXX. I am now being told that it takes up to XXXX days to report the settlement to synchrony and up to XXXX days to report it to credit bureaus but that it will never show a {$0.00} balance. Which was not what was told to me originally.

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 2026-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
I called into the company to get total pay off amount and was told that I still owed over XXXX after making XXXX payments in the amount of XXXX and I didnt understand why and then I was told that XXXX of my payment every month goes to cover full coverage insurance. I didnt sign anything agreeing to that and if the state doesnt make me carry full coverage insurance on my vehicle why would I pay a loan company who cant carry any insurance on my car, unless I provide them my info so I am not understanding where that XXXX is going. I dont need to carry full coverage on a vehicle that is paid for and XXXX XXXX XXXX. I think that this is a get over and I reached out to them and also to legal aid and was told to write them a letter and explain the situation and I did that and called them and they told me to email the letter and I never heard back from them or received a response. When I call the local office they tell me that no branch XXXX works on site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I mailed Ability Recovery ServiceXXXX a written debt validation request and cease-and-desist letter about a {$1800.00} debt they say I owe to XXXX XXXX XXXX XXXX XXXX My letter asked them to validate the debt before taking any further collection action, and specifically warned them not to report this disputed debt to the credit bureaus before validating it. I do not have a signed contract with XXXX XXXX the program was pay-as-you-go. Ability Recovery ServiceXXXX never responded to my validation request. They have sent me no documents, no contract, no balance breakdown, and no proof this debt is mine or that the amount is correct. Instead of validating, they reported the debt to XXXX. The account was not on my XXXX report dated XX/XX/year>, but it appears on my XXXX report XXXX XXXXXXXX dated XX/XX/year>, showing a balance update of XXXX XXXX XXXX days after they received my letter. The tradeline they created also has problems : it shows a " date opened '' of XX/XX/year>, which is just the date they got the account, with no date of first delinquency from the original creditor ; it shows " {$1800.00} past due as of XX/XX/year> '' as if a collection account had monthly payments due ; and it lists terms of " XXXX Month, '' which makes no sense for a collection. Reporting a debt to the credit bureaus is collection activity. They did this while my validation request sat unanswered, and after a written warning. The tradeline does not show the account as disputed

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received my new Citibank credit card and attempted to use it for the first time while traveling to another state to look for an apartment because I was relocating. Before making any real purchases, I made a {$1.00} test transaction at a gas station to confirm that the card had been activated. The transaction was approved, but Citibank immediately blocked my card for suspected fraud. I contacted Citibank multiple times and explained that I had moved and no longer had access to the mailing address on file. I asked them to verify my identity using another reasonable method, update my mailing address, and restore access to my card. Instead, they insisted on sending a verification code only by regular mail to my previous address, which I can not access. I also asked to close the account if they were unwilling to unblock the card, but they refused to process the closure because I could not provide the code mailed to my old address. As a result, I am unable to use my credit card, unable to complete the identity verification process, and unable even to close my own account. Citibank has not provided any reasonable alternative to resolve this situation despite my repeated attempts to work with 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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Bank Teller named XXXX XXXX at the US Bank inside XXXX on XXXX XXXX and XXXX in XXXX Arizona was using meta glasses with visible cameras while conducting my transaction. I feel my personal and sensitive financial data was possibly exposed it recorded but theres no way of knowing.

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 2026-07-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called into the company to see why my card was declining a {$20.00} purchase when i had a balance greatly that exceeded that amount. The first representative did not want to transfer me when there was clearly a language barrier. Then once i was transferred, the supervisor treated the situation as if it was a personal issue for her and there proceeded hung up because i asked a question about the extensive process. Overall this was the worst experience Ive have with a financial company ever. How can you hang up on someone whose money you are supposed to be managing. Thats a scary thought

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank approved a balance transfer to a new account, bringing my starting balance to {$2200.00} after tacking on a {$100.00} transfer fee. I have already made an on-time payment of {$85.00}, bringing the balance to {$2100.00}. However, Citibank failed to deliver the physical credit card to my address. When I contacted customer service to verify my identity and track the missing card, security staff treated me like a fraud suspect and unilaterally closed my account under false assumptions of fraud. Citibank is now holding a {$2100.00} balance XXXX on a closed account, stripping away the promised XXXX 0 % promotional APR, and keeping a {$100.00} fee for a service their own error made impossible to use. Because Citibank 's internal error has trapped this balance on my credit profile, I demand that the XXXX XXXX reverse this erroneous closure, reinstate my account, and restore my XXXX 0 % promotional APR.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo called me at XXXX XXXX and at XXXX XXXX Im receiving an email saying my account is about to be closed. With this impending closure, Im not able to get any deposits sent to the account. This was stated two days before Im supposed to get paid via direct deposit. I spoke to multiple representatives and one told me there was only a hold on the account and the rest told me that it will be closed due to multiple claims. I submitted 3 valid claims, all which I received credit for. Before I submit a claim, I reach out to the merchant. I wanted to appeal the decision and file a complaint.

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 2026-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I sent IC System a certified debt validation/dispute letter regarding an alleged debt. I requested verification and asked whether payment would fully resolve the matter with no further collection activity. IC System never responded to my written dispute. Instead, the company reported the account to the credit reporting agencies. When I later contacted IC System by telephone, representatives told me that if I paid the account they would send me a credit deletion letter, but they refused to provide that promise in writing. I believe IC System failed to properly respond to my written dispute before reporting the account and has provided inconsistent information regarding deletion of the credit reporting. I am requesting that the CFPB investigate whether IC System complied with its obligations under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I also request that IC System provide the requested validation, correct or remove any inaccurate credit reporting, and provide any settlement or deletion terms in writing.

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