vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 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: CA

Complaint narrative:
I am a disaster victim my home recently burned down and I am currently living in my car with my children. I loaded {$500.00} of my own money onto a NetSpend prepaid card ( issued by XXXX, XXXX. ), and NetSpend is refusing to release access to those funds. NetSpend is demanding a photo of my physical Social Security card as the only acceptable form of identity verification. I have offered multiple legally compliant alternatives under the federal Customer Identification Program ( CIP ) rules, including : My Social Security number provided verbally A government-issued photo ID My date of birth and prior address before the fire Documentation of my disaster status NetSpend has refused all of these alternatives. I have called NetSpend customer service three separate times. On one call, after I asked to be transferred to a supervisor, the call was disconnected before the transfer was completed. On another call, I was again refused alternatives and refused escalation. NetSpend representatives have also repeatedly questioned me about what I intend to spend my own money on, which is not a lawful component of identity verification under federal law and feels intrusive and inappropriate given my circumstances. I have been unable to access basic necessities for my children food, gas, shelter because NetSpend is holding my {$500.00} XXXX behind a document requirement I can not satisfy and that exceeds federal CIP requirements. I am requesting : Immediate release of my {$500.00} balance Acceptance of alternative identity verification under federal CIP rules ( verbal SSN + government photo ID ) Cessation of intrusive questioning about my personal spending intentions Written documentation of NetSpend 's verification policy and any disaster-victim accommodations A direct contact with NetSpend 's Office of the President or Compliance Department This is causing direct financial and emotional harm to me and my children during an active housing emergency.

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 2026-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX at XXXX XXXX using an XXXX promotional financing offer through my XXXX XXXX XXXX XXXX issued by Citibank. At the time of my purchase, a {$49.00} Best Buy membership was added to my transaction. I was not informed that this membership was being added, and I was charged for it in both XXXX and XX/XX/XXXX. These additional charges increased my account balance and contributed to my confusion about the amount that remained to be paid before the promotional financing period expired. When I opened the account, Citibank helped set up automatic payments. Because this was my first time using Citibank and promotional financing through XXXX XXXX I believed the automatic payments would keep me on track to satisfy the promotional balance. Throughout the promotional period, I made my payments on time and never intentionally missed a payment. When the XXXX promotional period ended in XX/XX/XXXX, I discovered that I still had approximately {$100.00} to {$150.00} remaining on the promotional balance. As a result, Citibank charged approximately {$450.00} in deferred interest on the entire promotional purchase. I understand the promotional terms required the balance to be paid in full by the expiration date. However, this was my first experience with this type of financing, and I was only a small amount short after making timely monthly payments throughout the promotion. I have a strong history of managing my finances responsibly. I maintain a good XXXX XXXX, make my car payments on time, and have other credit cards without ever experiencing a similar issue. This was an isolated mistake and does not reflect my normal payment history. I contacted Citibank customer service and spoke with a supervisor to request a one-time courtesy adjustment due to my circumstances, but I was told that no exception could be made. I was on customer service line for about XXXX hours for XXXX consecutive days. I am a student, I paid my tuition on time with no debt. No one is willing to help me. I reached out to citibank they said they can not do anything, talk to XXXX. I reach out to XXXX they tell me they can not do anything talk to citibank. I send them a message online, they tell me to reach customer service through the phone.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I found out to my complete surprise that Citibank closed all XXXX of my credit cards, the oldest of which was set up in XX/XX/XXXX. I only found this out when I went into my app to see that the accounts had been closed. Later I found out that my accounts had been closed on XX/XX/XXXX. I received no notification by email or call from them to tell me of this decision. I did receive letter from them dated XX/XX/XXXX that my accounts had been closed but they did not say why - these letters I received perhaps XXXX days after the account closures. I had approximately XXXX Thank You points in my account that were earned through valid spending ( Citi did not question the validity of my spending in later correspondence ). I called them several times to ask what was going on, but they said they could not tell me over the phone and I had to write or send a fax asking for clarification. I sent a fax on XX/XX/XXXX requesting clarification, reinstatement, and if that could not be done, access to my points so that I could transfer them and a pro-rata refund of my annual fees ( which are not insignificant ). I received a response from them by letter on XX/XX/XXXX ( dated XX/XX/XXXX ) in which they said the reasons for account closure was as follows : " During a recent review of your account, we observed a high volume of purchases and frequent payments from unknown sources which are inconsistent with typical consumer use. As a result, your above referenced account ( XXXX ) was closed on XX/XX/XXXX ''. I called them to ask them about this but they refused to discuss it. I then sent a new fax on XX/XX/XXXX outlining the problems with this statement, namely that they had been aware of the high volume of purchases for some time and I had spoken to them on the phone about them on numerous occasions throughout, and that payments to the account were made from accounts in my name and my wifes name ( she's a supplementary card holder on all XXXX credit card accounts ), which had all been linked securely through the Citi app or Citi online, and therefore could not be considered unknown. I also pointed out again that Citi profited financially from all the transactions and, as per my contract with them, I received points as part of that profit they made. This was all done legally and with no complaint from them at the time, until they closed my accounts. So contractually, I believe they should give me access to my points so I can transfer them to partners of my choice.

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 2026-06-25 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: NY

Complaint narrative:
I have deposited and rental income sent in early in XXXX for {$7000.00} monthly. I can not use my debit cards to make payments for food, to pay bills, or to pay for housing upkeep. Two weeks, plus or minus, I was at the hospital for XXXX. I am still struggling to get food and I am afraid I will die. I had undiagnosed XXXX for months. I have my new atm cards and atm pins. I was told I need to show my ID, again. I have shown it to branch managers and other bank officers in formal sit-down settings over the last 12 months. My IDs were stolen, and I am waiting for new ones. This will leave me without food and very sick. I can not eat with my accounts frozen and Im losing weight and energy. With my accounts frozen, I only have water. I can't take the subway to the food pantry to receive free food because I have to pay for subway costs. I worked at Wells Fargo when I was XXXX - XXXX XXXX XXXX. I have had this account since XXXX. There should be no problem with me using my atm card to eat food! I am an entrepreneur and business owner with over $ XXXX coming in a month. This treatment is unfair and completely ludicrous. I cry because at XXXX XXXX XXXX, I cant order a pizza. Please help me to access my funds so that I can eat and finish my small renovations to pay my bills and live independently.

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 2026-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was part of a security breach and my information was compromised

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank allowed two fruadulent charges on my account : XX/XX/year> - Citibank paid a fraudulent Merchant {$2700.00} without my permission or authorization XX/XX/year> - Citibank paid a fraudulent Merchant {$2700.00} without my permission or authorization On XX/XX/year>, Citibank returned one of the fraudulent payments but not the other. I was the rest of my money back, {$2700.00} back. OTHER ADDITION {$2700.00} Transaction Date XX/XX/year> Posted On XX/XX/year> Transaction Type Adjustment Appears on your statement as OTHER ADDITION XXXX XXXX, XXXX OTHER DECREASE XXXX - {$2700.00} Transaction Date XXXX XXXX, XXXX Posted On XXXX XXXX, XXXX Transaction Type Withdrawal Appears on your statement as OTHER DECREASE XXXX XX/XX/year> OTHER DECREASE XXXX - {$2700.00} Transaction Date XX/XX/year> Posted On XX/XX/year> Transaction Type Withdrawal Appears on your statement as OTHER DECREASE 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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Waypoint Resource Group, LLC
State: CT

Complaint narrative:
Waypoint Resource Group has contacted me repeatedly through automated calls and automated text messages. These contacts came from multiple rotating phone numbers between XX/XX/year> and XX/XX/year>, as shown in my call log. The calls and texts continued even after I sent a clear STOP request. I attempted to send a written demand and debt validation request to several Waypoint compliance email addresses on XX/XX/year>, but every email bounced. Because all of their compliance inboxes reject messages, I have been unable to exercise my rights to request validation or communicate in writing. Waypoint has not provided any debt validation, has continued contacting me after I revoked consent, and has used automated systems and rotating numbers to reach me. The combination of repeated calls, automated texts, STOP violations, and blocked email channels has created a pattern of harassment and noncompliance. I am requesting CFPB assistance to stop the unlawful communication, require full debt validation, and address the TCPA and FDCPA violations.

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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2026-06-25 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: U.S. BANCORP
State: NE

Complaint narrative:
Us bank not help me with dispute I been waiting 3 months the keep tell me you will receive a call for a manager, or you will receive a letter in the post office I never got a call and I never received a mail Money amount is 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 non-monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This complaint is against Moneylion but XXXX is who issues there debit cards. I lost my Moneylion Debit card at the end of XX/XX/year>. I'm pretty sure I dropped it at the gas station that's the last time I remember having it. I didn't realize that I lost it until Money lion sent me several notifications and emails about suspicious transactions happening on my debit card. I immediately locked the card from my account and I ran outside and looked in my car center console where I usually keep it. But it wasn't there. I called Moneylion immediately to report the unauthorized charges that were still being attempted on my lost debit card as unauthorized and not me. Moneylion resolved two of the unauthorized transactions in my favor. But the other five unauthorized transactions from the same merchant as the other two transactions they confirmed were unauthorized charges and resolved in my favor were denied. I'm confused because Moneylion confirmed two of the transactions from the same merchant on the same day were unauthorized charges but the other five transactions from the same merchant on the same day were denied?? What's even weirder is my dispute case was denied less than 48 hours later early on a Saturday morning. But Moneylion just confirmed two of the transactions from the same merchant on the same day were unauthorized and resolved in my favor. I was even talking to Moneylion on the phone as they were still attempting to use the blocked card with the same merchant. So I appealed it and I submitted an FTC identity report regarding my lost card and the unauthorized transactions that happened on it. I even sent in a sworn statement that these are not my charges and I never have heard of the merchant where the transactions happened and I never gave the merchant or anyone else permission to use my card. But Moneylion " account specialist '' refused to reopen the case and do there jobs. They said no new evidence was submitted. I DID submit new evidence they clearly didn't even review. Because it was all new evidence. It's obvious Moneylion " account specialists '' are not doing there jobs and what they are legally obligated to do and protect there customers. I didn't make these unauthorized transactions that two of them were confirmed unauthorized charges but the other five unauthorized transactions that happened on the same day the '' account specialist '' didn't want to investigate it and didn't do anything! I'm pretty positive I have legal grounds. I will be filing a complaint with the FDIC, The XXXX, The CFPB, the Comptroller of the Currency, and the attorney general about this incident and if needed I will seek legal counsel to exercise my legal options against Moneylion for this incident.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a XXXX account with a special promo code for a {$1000.00} bonus for a {$20000.00} deposit. The bonus was active on their website, and the banker confirmed the bonus via email. I also have proof that other people received the same bonus during the same period. However, when it came time to pay, they said the bonus was only valid until the end of XXXX, which is a lie. It was active then and it is active now.

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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : I C SYSTEMS COLLECTIONS Reported Balance : {$700.00} Opened XX/XX/year> I have reached out with no luck of getting Original signed documents.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Statement of Issue : I recently opened a Wells Fargo checking account online. After a few days of standard access, my account was unexpectedly restricted. I was instructed to contact the Wells Fargo Fraud and Loss Prevention department, which initiated a cycle of conflicting, inaccurate instructions and a refusal to accept legally valid identification. Timeline of Events : Contradictory Phone Support : I contacted the Fraud and Loss Prevention department multiple times and received different directives from each representative. Initially, I was told to present two forms of ID at a local branch. Because there was no branch near my location at the time, I asked for an alternative and was instructed by a representative to fax my identification documents. Lost Documentation : After successfully faxing my documents, I called back to ensure they were attached to my case number : XXXX. A different representative then informed me that faxing documents for this process was " impossible, '' meaning the previous instructions were completely false. Branch Refusal : Despite the immense inconvenience, I traveled to a physical branch. As explicitly instructed by three separate phone representatives, I presented two highly secure, valid forms of identification : my unexpired Passport and my Driver 's License. Policy Violation : The branch employees refused to accept these government-issued IDs. Instead, they demanded to see a physical Social Security card. When I explained I did not have the physical card on hand and asked for alternative verification methodsas permitted by standard banking regulationsthey flatly refused to assist me further. Resolution Requested : This experience has been incredibly unprofessional. I have provided the highest standard of government identification to verify my identity, yet I am being locked out of my account due to internal miscommunication and branch employees failing to follow standard Customer Identification Program ( CIP ) protocols. I am requesting that Wells Fargo immediately review the valid identification I provided, remove the restriction on my account, and provide a formal explanation for these conflicting and discriminatory directives.

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 2026-06-25 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo reporting they will no longer address the originator of this predatory loan and deny termination of this predatory loan and refund of {$60000.00}. We continue to dispute signatures on these loan documents that include a number of redacted documents. Only Wells Fargo has responded and no response from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Whom we suspect as the originator..

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 2026-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
From approximately XXXX until this last XXXX, twice a month, Best Buy would shut off my auto pay and send me an email saying somebody was breaking into my account and they locked my account. I have all the emails. Im not an email guy. Thats why I set up AutoPay. Sometimes I would catch it and my wife would just go pay it, but it was a never-ending battle, and then this last winter I was Was laid off for almost 5 months. I only did I not have the extra money to send to them. I still could not get into my account. It took me months to get back in to my account so I could load my bank information and pay it and once I did, I just paid the card off.

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