vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
NON-CUSTOMER COMPLAINT REGARDING AN INTERMEDIARY CORRESPONDENT WIRE HOLD. On XX/XX/year>, an international wire transfer of {$40000.00} USD was initiated from XXXX XXXX XXXX XXXX XXXX to my bank account. The XXXX End-to-End Transaction Reference ( XXXX ) is XXXX. Bank of America , N.A . ( BIC : XXXX ) acted as the final XXXX intermediary clearing bank for this international transaction. According to official XXXX tracking logs, Bank of America successfully received these funds but has placed an administrative hold on them. Furthermore, official banking logs confirm that Bank of America has completely ignored XXXX separate, urgent XXXX administrative tracers and recall requests from the sending institution ( Case/Message Ref : XXXX ). The final receiving bank, XXXX XXXX XXXX, has issued a legal Final Response confirming that the funds never left Bank of America 's network. As a consumer harmed by Bank of Americas failure to either clear or properly return these funds under standard XXXX protocols, I request an immediate review by Bank of America 's XXXX compliance desk to locate the funds and release 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to furnish a collection account to XXXX without providing adequate documentation to verify that the information being reported is complete and accurate. I disputed this account with XXXX. Following its investigation, XXXX stated that the account was verified as accurate. However, neither XXXX nor XXXX has provided documentation supporting that conclusion. The account is reported with a balance of {$1100.00} and is classified as a XXXX account. At the same time, the report identifies XXXX XXXX XXXX as the XXXX XXXX. Based on my understanding, XXXX XXXX XXXX is acting as the collection agency, and I am requesting clarification and documentation supporting why it is being identified as the original creditor. Additionally, this same account has already been removed from my XXXX credit report, yet it continues to be reported to XXXX. This inconsistent reporting raises concerns regarding the accuracy and completeness of the information being furnished. I requested verification of this account, but I have not received documentation sufficient to establish its accuracy. I request that XXXX XXXX XXXX provide : * The identity of the actual original creditor. * Documentation establishing that XXXX has the legal authority to collect and furnish this account. * A complete account statement or billing history supporting the balance of {$1100.00}. * Documentation showing how the account was verified during the dispute investigation. * Documentation supporting the reported Date of First Delinquency. * Copies of any records bearing my signature or otherwise demonstrating that I am legally responsible for this debt. If XXXX XXXX XXXX can not provide documentation sufficient to establish that the account is complete, accurate, and verifiable, I request that it immediately instruct XXXX to delete the account from my credit file and cease furnishing inaccurate or incomplete information.

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: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Around late XXXX I opened a regular checking account with CITIBANK and funded the account with {$50.00} thru XXXX, however after that the account got closed almost immediately due to CITIBANK flagged the XXXX transaction as fraud even though it came from my own TD Bank account, when I called customer service they informed me that account was closed just because the application was declined and that I was going to receive my money in a check in XXXX weeks, more than 2 years have passed and i never received my check and Now I'm trying to reopen a new account with CITIBANK and they keep denying me due to previous fraud history when there was no fraud they still have my money and they are not willing to verify my identity even though I'm giving all my identification

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Submitted a tech ticket on XX/XX/XXXX XX/XX/XXXX company continues to downplay the issue to feedback. Company refuses to address this issue. I trust the principals at CFPB will help me to get this answered and resolved. Ally has continually evaded the fact that a computer error has occurred causing me to lose money. I concurred an error message my account could NOT be closed and I cancelled the entire transmission. When I reported it to Ally I was told the account WAS closed!

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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I opened a new account with Ally bank, gave them all the requested documents to open the account. Once the account was open I deposited a XXXX check and was told XXXX business day hold. After the XXXX business day hold funds were able to be used. The next day they locked me out of the account and told me they just needed to wait for the check to clear. I've call back several times and ask for updated information and just being told our XXXX has not reviewed this yet. I have done nothing illegal just used the money to pay bills and loans I had with other companies. I still have XXXX in the account and was told that I won't have access to those funds until XXXX over. When I ask how long I get told first come first serve order in which it was relieved.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding BMO 's refusal to honor a {$750.00} new business checking account promotional offer. I applied for a new BMO Simple Business Checking account after reviewing the promotional terms and intended to satisfy all requirements necessary to receive the advertised {$750.00} cash bonus. During the application process, BMO requested additional documentation to verify my information. On XX/XX/XXXX, I received an email from BMO stating that action was required to complete my application. The email requested additional documents.. The email stated that BMO would verify my information once the documents were received and would " get right back to you with our decision about your application. '' Based on this communication, I reasonably understood that my application was still pending and that I had not yet received final confirmation that the account had been opened. After providing the requested information, I received a welcome email from BMO on XX/XX/XXXX, with the subject line " Welcome to your new BMO Simple Business Checking account. '' The email stated, " Setting you up for success. Make the most of your new BMO account. '' This was the first communication I received indicating that my account was open and available for use. Once I received confirmation that my account was active, I acted in good faith and funded the account to meet the promotional requirements. I maintained the required balance because I relied on BMO 's advertised offer and intended to satisfy the requirements for the {$750.00} cash bonus. I later contacted BMO after not receiving the promotional bonus. I was informed that BMO considered my account opening date to be XX/XX/XXXX, and that I did not qualify because the tracking period ended on XX/XX/XXXX. My qualifying deposit was made on XX/XX/XXXX based on the XX/XX/XXXX notification rather than XXXX 's internal opening date. BMO did not notify me on XX/XX/XXXX that my account had been opened. I was not provided with any confirmation that the promotional tracking period had begun, and I was unable to access the account on XX/XX/XXXX. The first notice I received that my account was active was the XX/XX/XXXX welcome email. I reasonably relied on BMO 's communication when determining when I needed to fund the account to satisfy the promotional requirements. Had BMO informed me that my account was considered opened on XX/XX/XXXX, I would have made my qualifying deposit earlier to ensure compliance with the promotional requirements. Instead, I was denied the bonus based on their misleading date of account opening.

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: 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: TX

Complaint narrative:
In XXXX XXXX XXXX my card was used to purchase a vacation package in XXXX. It was a transaction I didn't want to do but was pressured into getting it only to find out that what was promised was not what I was offered. I immediately contacted CITI and disputed the transactions. Out of XXXX separate transactions, XXXX have been found in my favor. I'm now trying to get the final transaction returned to me and can't understand why transactions of the same exact amount were found in my favor but the final one isn't. During the multiple attempts to resolve this issue a CITI representative offered to return {$240.00} out of the {$250.00} that was disputed and I originally refused but eventually agreed. I was promised the money would be returned to my card within XXXX billing cycles. But I've not received anything yet and it's been since XXXX of 2025. I reached out again to reopen the dispute and received a notification stating that I was responsible and nothing would be done to help me despite agreeing to a reduced amount and being promised that it would be credited to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-08 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: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
When I originally signed up for the loan I was shown a repayment plan of XXXX payments that were {$210.00} a paycheck to repay back {$800.00} that I borrowed. I figured the extra {$14.00} per installation payment was fees and interest. Upon reviewing an email they sent me shortly after accepting the loan, I am now repaying back over {$3500.00} in payments for an {$800.00} loan. THAT was not disclosed to me. I am furious.

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: January Technologies, Inc
State: IL

Complaint narrative:
I recently pulled my credit reports and noticed an invalid account reported by you all. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. You are in violation of : 15 U.S. Code 1681i ( 5 ) Removal of inaccurate or invalidated information 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation '' I disputed this account and nothing was sent to legally verify it. '' " This account was never legally investigated. You are reporting false information. '' " This doesn't belong to me. Under Section 609, you're required to send me documentation associated with this account and you failed to do so. ''

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XXXX of XXXX I purchased a XXXX XXXX XXXX with GAP coverage through Wells Fargo Auto, account XXXX. About XXXX months later I refinanced with XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX the loan was paid and I received a lien release. I contacted the dealership to cancel the XXXX right away. After XXXX months of no refund I contacted the dealership again and then after XXXX months once more. The dealership told me that Wells Fargo is saying they XXXX have issued a refund after the loan was paid off last year and to contact them. I called Wells Fargo and requested a refund to no avail. It would not make sense to cancel XXXX in XXXX because the loan was not paid off, simply refinanced. In XXXX of XXXX I requested the cancellation and provided the lien release to the dealership and was told to sign a form and my request would be submitted. Now as of XXXX of XXXX I have no refund. The dealership has attempted to be helpful but the problem lies with Wells Fargo Auto. I have all correspondence with the dealership including evidence the vehicle was paid in full.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that the title for the XXXX XXXX XXXX ( VIN XXXX ) was issued on XX/XX/XXXX nearly XXXX months after the XX/XX/XXXX date of sale and well outside the XXXX statutory deadline under XXXX XXXX XXXX XXXX XXXX XXXX is presenting this as a resolution to the matter. I have responded in writing to XXXX making clear that the late title issuance does not satisfy my formal rescission demand dated XX/XX/XXXX. My demand for full rescission, refund of {$5000.00}, and closure of Wells Fargo Auto Account XXXX. XXXX as void and rescinded remains in full effect. I have also identified XXXX discrepancies in the title record provided by XXXX : ( XXXX ) the address on the title is incorrect, and ( XXXX ) the sale price reflected ( {$29000.00} ) does not match my actual purchase price of {$32000.00}. As of today, Wells Fargo has not provided any written confirmation that the account has been placed in dispute status or that adverse credit reporting has been suspended. The XX/XX/XXXX payment remains missed. My XXXX demand letter deadline expires XX/XX/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 explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, {$4300.00} was taken out of my Wells Fargo Checking Acct, and {$110.00} was taken out of my Wells Fargo Savings Acct. The reason listed is " Legal Recovery Set-off '', and the phone number listed is XXXX. I contacted the number given was told that the money was taken because of debt owed by XXXX XXXX, who is listed as secondary acct user on account. I informed them that I had clear documentation proving that 100 % of the funds taken belonged to me, a non-debtor, and that none of the money belonged to XXXX XXXX. The money taken came from my recent work paycheck from XXXX XXXX ( {$3500.00} deposited by XXXX XXXX XXXX on XX/XX/year> ) and from a loan I recently took out from my retirement account to pay down my own debt ( {$12000.00} deposited by XXXX XXXX on XX/XX/year> ). The people at XXXX would not provide me any further information without having XXXX XXXX join the call. They said they were unauthorized to discuss matters further without her on call. I asked how they could be unauthorized to discuss it with me when they felt they were authorized to take the money from my account. I got no resolution 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 2026-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hollis Cobb Associates
State: WA

Complaint narrative:
Complaint ID : XXXX Related Complaint : XXXX Company : Hollis Cobb Associates Issue : Attempts to collect debt not owed CFPB Feedback / Recurring Problem Submission I am submitting feedback because the companys response to my earlier complaint ( XXXX ) was incomplete, inaccurate, and did not resolve the issue, and the problem is recurring. Hollis Cobb Associates continues to attempt collection on a fraudulent medical debt originating from XXXX XXXX. This debt is based on altered medical records, a fabricated 2023 service date, and a balance that does not exist. I have already provided evidence to the CFPB, the XXXX Attorney General, and the XXXX Attorney General showing that : The medical bill is fraudulent The service date is impossible XXXX disclosed my XXXX improperly Hollis Cobb is attempting to collect in Washington without a Washington license The accounting in their letter is mathematically impossible The debt does not belong to me Despite this, Hollis Cobb has not provided validation, not corrected their records, and not ceased collection activity. Additionally, I have now received new documentation from XXXX XXXX confirming identity theft and duplicate account issues that directly relate to the fraudulent medical billing and collection activity. This shows that the problem is broader than Hollis Cobb alone and involves multiple entities mishandling my personal information. Because Hollis Cobbs response did not address any of these issues, and because the collection attempts are continuing, I am reporting this as a recurring problem and requesting that the CFPB : Rereview Hollis Cobbs conduct in light of the new information. Consider supervisory or enforcement action due to repeated attempts to collect a debt not owed. Ensure Hollis Cobb ceases all collection activity related to this fraudulent account. Ensure Hollis Cobb cooperates with the XXXX XXXX XXXX Attorneys General, who are now involved. Thank you for reviewing this recurring issue. I am available to provide any additional documentation needed. XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my Citi Mastercard secured credit account ( ending in XXXX ) in XX/XX/year>. Citis XXXX XXXX XXXX sent a written response ( Case # XXXX ) directing me to call XXXX to request an immediate refund of my credit balance, or it would be automatically refunded after approximately 100 days. When I called as instructed, the representative told me I could not receive my refund for XXXX billing cycles and denied my ability to request it sooner directly contradicting Citis own written response. My account has had XXXX activity and no pending charges for over XXXX months, so there is no legitimate reason to continue holding my funds. This is inconsistent, inaccurate information from Citi and an unreasonable delay in returning my own 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 monetary relief
Consumer complaint received 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at XXXX AM I was the first customer in line at the local Wells Fargo XXXX at XXXXXXXX XXXX XXXX in XXXX CA. I provided the teller a mortgage slip and {$1700.00} in cash. He scanned the bills, ran them through a counting machine and put the stack of money in the drawer. After this process, he asked for identification. I declined to provide identification and requested I be shown where in my mortgage contract it stipulates I must provide identification to make a cash payment at a branch. The XXXX was called and he refused to provide a copy of my mortgage contract, a copy of their identification policy, or anything in writing that my cash payment would be refused if I did not provide identification. I left the branch and the money remained in their drawer. XXXX days later I am receiving reminders for making a mortgage payment. I called Wells Fargo Home Mortgage on XX/XX/year> to find out why my payment had not been applied. I escalated the call to the highest level and this person would also not provide me a copy of my mortgage contract or any clause stating my identification would be required to make a cash payment. They said they couldn't provide me with any information about the {$1700.00} in cash I had already tendered because " the branch is a different entity than Wells Fargo ''. It's all Wells Fargo to me. He repeatedly told me I had to speak to the branch even though I explained to him the branch would not provide any written documentation regarding their policies or the rejection of my payment.

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