vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I want a first of all say that XXXX not gon na get any money from me anymore than the Bank did. And I welcome you suing me and taking me to court. I would love more than anything to go in front of a judge and show just how ridiculous this Bank is. Ill try to make this as short as possible and explain everything to you cause XXXX sure they havent begun to inform you of everything that happened but long story short my bag was stolen/lost with multiple credit cards. My wallet, my ID my passport. My phone was in the bag. I had to get a new phone. I had to get a new ID. I reported this to the bank as quickly as I could, in that short amount of time, there were transactions that occurred. I told them that I didnt have the cards that I didnt give any permission to use the cards that we didnt benefit from it in any way, and I explained that it was lost in somebodys clearly as founded and is using my credit cards, and XXXX trying my best to have them all shut down. The person on the phone was very friendly. They said dont worry about it. We understand theres a fraud liability XXXX fraud liability youre not gon na be liable for it. Were gon na do an investigation. Do you know blah blah blah well they immediately randomly took off about 50 % of the transactions. Its like they just went through and randomly picked about half of them and credited my account the investigation finished and those transactions were supposed to be a permanent credit to my account but I pushed as to why they only did half of them and why they didnt do all of the transactions over and over again. I asked this question they never would respond to me till XXXX day I get a bill and they have taken away the permanent credit which XXXX pretty sure is illegal at that point. It has been way too much time and they reapplied all of those credits back to my card. In addition to the ones they never investigated, even though I told them that it was fraud they still never investigated them. I think they realize they werent XXXX XXXX get any money out of me so they find people like you who will pay them a little bit of something. I dont know how much you paid for this debt, but hopefully you didnt pay much because you have no proof that it belongs to me these were fraudulent charges. XXXX XXXX is aware of it. You are now aware of it and I just explained everything that happened now this took a long period almost a year for all of this to happen. I still have all the letters I have phone records so I am more than happy to show all of this to a judge if you want to just sue me and get this over with so we can put it all behind us because XXXX not gon na keep getting letter after a letter from you. I dont know this money and XXXX not going to pay it. You need to ask XXXX XXXX why they did

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 2026-07-21 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: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to XXXX XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a dispute of the accuracy and completeness of the account under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to XXXX XXXX XXXX along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of XXXX XXXX and XXXX validation and verification requests.

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 2026-07-21 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: NC

Complaint narrative:
This is a follow-up complaint to my prior CFPB Complaint # XXXX. I am submitting a follow-up complaint regarding Citibanks unwarranted and improper handling of my Citi / AAdvantage XXXX XXXX account ending in XXXX. On XX/XX/year>, I received a response letter from the Citi Executive Response Team stating that my account underwent a routine review for card reissue, did not pass, and has been permanently closed without the option to reopen, declaring the issue resolved on their end. There is absolutely no valid financial or contractual reason for this closure, and I request CFPB intervention based on the following key points : Breach of Express Assurances & Seamless Transition Promise : This account originated as a XXXX account, which I held with an exemplary payment record and zero issues. During the portfolio transition from XXXX to Citibank, I was explicitly promised a seamless transition with no account closure. Furthermore, in Citis formal response to my initial CFPB complaint, Citi explicitly reaffirmed that my account was in good standing and would not be closed. Closing it now during a routine card reissue directly violates those official representations. Outstanding Credit Profile & Lack of Justification : There is no risk-based or financial justification for closing my account. I maintain an outstanding credit report and immaculate credit history. It is completely contradictory and arbitrary to close an active, well-maintained account during a standard reissue process. Contradictory Communications Regarding Card Reissue : Prior to receiving this sudden closure letter, I was notified that my new replacement/reissued card was already processed and on its way to me in the mail. Moving immediately from mailing a card to terminating the entire account demonstrates extreme administrative dysfunction. Probable Account Mix-Up : I strongly suspect an internal administrative error or account mix-up on Citis end. I previously held an old, separate account with Citi that was closed years ago. It appears the review team may have mistakenly linked data or history from that old closed account to my current, active account ( ending in XXXX ). Desired Resolution Full Account Reinstatement : Reopen and fully reinstate my Citi / AAdvantage Platinum Select account ( ending in XXXX ) with its original credit line, terms, and history intact. Issuance of Replacement Card : Expedite and send the active replacement card that was previously in transit. Credit Bureau Protection : Ensure no negative marks, adverse action notices, or " closed by grantor '' notations are placed on my credit reports as a result of Citi 's internal erro

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 2026-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bank with Citi bank, I went to withdraw from atm inside bank, when I tapped withdraw the machine reset and went back to the homepage, I went to the atm next to that XXXX to try that machine and it said I took the money and I never did, so the bank gave me my money back then came back a week later and said that I did take the money and they took XXXX out my account, I told them to look at the cameras and they dont want to they want to keep my money and I never withdrew nothing from them and its been weeks they are not calling me or refunding me its pure robbery and laziness to not look at the cameras if you think I stole my own money XXXX worst bank ever

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been receiving letters and emails since XX/XX/XXXX indicating that someone has been attempting to open savings and checking accounts in my name. I called and addressed this with all banks involved. They have successfully opened accounts at Truist Bank but the other banks involved would not allow the accounts to open due to lack of verifying identity. XXXXXXXX XXXX XXXX Truist Thus far, my personal accounts have not been affected yet. My identity has been stolen and all personal info I have given to the banks has matched up with mine including my ss #.

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 2026-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: NC

Complaint narrative:
I OWN AN OPERATE XXXX XXXX AND RECIEVED A XXXX LOAN DURING THE XXXX TO KEEP MY BUSINESS OPEN. THE XXXX WERE USE CORRECTLY AND I WAS FORGIVEN NOW I BEING TOLD THAT MY XXXX LOAN FOR XXXX WAS FORGIVEN BUT MY XXXX LOAN WAS NOT AND I HAVE BEEN SENT TO COLLECTIONS. I HAVE REQUESTED THAT THEY PROVIDE PROOF THAT THIS IS OWED. I WAS AND STILL AM A FULLY FUNCTIONAL BUSINESS THAT WAS APPROVED FOR THIS HELP.

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 2026-07-21 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: CA

Complaint narrative:
I received a new card from Citibank, who took over from XXXX, it was working fine for decades until Citibank got in. Since that, I can not register to the bank online system or pay my bills. I've already called several times the customer service XXXX. I've just called today XX/XX/year> and spent XXXX hour talking to them trying to solve it and cancel the card but they refuse to help me.

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 2026-07-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The collection agency, Credit Collection Services, is engaging in predatory behavior regarding a {$79.00} XXXX account. They are refusing to validate the debt unless I pay them hundreds of dollars over XXXX months. Please investigate and delete this trade line due to collector non-compliance and extortion tactics. They expect me to pay and upfront fee of XXXX to dispute a debt followed by multiple XXXX dollar fees per month. It is my understanding that a formal dispute is done free of charge upon request and that Attempting to charge a consumer a multi-hundred dollar fee to process a dispute on a {$79.00} account is a violation of the Fair Debt Collection Practices Act. This was all done over the phone on a recorded line on XX/XX/year> at approximately 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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
In approximately XXXX or XX/XX/year>, I submitted a fraud claim to USAA concerning multiple XXXX XXXX transfers sent to an individual named XXXX. I do not know this person and did not initiate, authorize, or benefit from these transfers. I also had no legitimate reason to send her money. At the time, I was in the process of retiring from the XXXX and was uncertain about my future financial situation, making it especially unlikely that I would voluntarily send multiple transfers to an unknown individual. USAA issued a temporary credit related to my claim on XX/XX/year>. On XX/XX/year>, USAA reversed the temporary credit and informed me that the transactions had been determined not to be fraud. Since then, I have submitted approximately five or six additional fraud claims concerning the same series of XXXX XXXX transactions. USAA has continued to inform me that the transactions were not fraudulent. However, on XX/XX/XXXX, XXXX same date that USAA reversed the temporary creditUSAA also informed me that XXXX of the transactions had been determined to be fraudulent. USAA has not provided me with a clear, transaction-by-transaction explanation for this inconsistent treatment. I do not understand how XXXX transactions involving the same recipient and the same apparent pattern of unauthorized activity could be determined to be fraudulent while the remaining related transactions were classified as legitimate. I have not been given a clear explanation of what evidence USAA relied upon to conclude that I authorized the other transactions. I dispute all of the XXXX XXXX transfers in question. I did not authorize them, do not know the recipient, and believe they should have been investigated as one connected series of unauthorized transactions rather than evaluated inconsistently.

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 2026-07-20 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: MN

Complaint narrative:
I tried booking at flight with XXXX on XX/XX/year>. For some reason, the flight was not going through, it would charge my card but give me the money right back. I tried XXXX times but the XXXX time they didnt give my money back. My partner ended up booking the flight under their card for me. I called southwest, the airline, and they said I have to contact XXXX. XXXX said to give it some time, it will come back. The money never came back. I contacted my bank, Wells Fargo, and I did a dispute with them. After doing this dispute, I was given a credit of {$230.00}. It became an afterthought. I then proceeded to go about life. I check my account this morning and I see Im lower than usually and its because the dispute got denied. I call XXXX XXXX to sort this out, after some while they see the issue and they give me a case number and tell me to call my bank and they can release the funds. I call my banks claims department and theyre telling me that since they already lost the case to XXXX, that means that I cant get the money back from them. The only piece of evidence I have is the charge from the bank.

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 2026-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
After multiple breech of peaces and trespassing. XXXX damaged my vehicle, never fixed it. Now it's been sitting for over a XXXX at {$50.00} a day storage fee.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
" I am disputing a systemic pattern of fee harvesting on my account. Across last week and this morning, I was charged XXXX separate overdraft fees totaling {$210.00}. I have lodged a complaint regarding these fees. I have now been charged XXXX more fees totaling {$140.00} for a total of {$350.00}. I have physical ATM receipts and app screenshots proving my balance was positive at the close of business on these exact nights. Wells Fargo authorized these small transactions when funds were available, but applied overnight fees during batch processing. I am requesting a full reversal of the {$350.00}. I spoke with a representative from Wells Fargo. He basically confirmed that his accounting does NOT match the accounting they provide their customers. He stated on XX/XX/year> there were XXXX charges against the account leaving a negative balance. The ledger that they provided showed XXXX, XXXX credits and XXXX XXXX of the XXXX debits were charged overdraft fees, on the XX/XX/year>, prior to close of business on the XXXX. I am filing another complaint due to additional fees being assessed today, even after I made a deposit large enough to cover all legitimate charges on my account. The representative at Wells Fargo seemed oblivious to my concerns and told me that the fees were assessed because the pending approvals put the account negative, regardless of the fact that the pending approvals had not yet been paid out. When I informed him that the CFPB took claims of multi-day pattern complaints very seriously he laughed, implying that he and his colleagues were pretty much exempt. He said hi would research my case but it was clearly obvious that he had already concluded that I was too stupid to understand his explanation. I mentioned the fact that his comp had been XXXX XXXX of XXXX for their practices, to which he claimed was a total lie. As I stated before, we are a small nonprofit organization trying to help XXXX veterans service dogsXXXXXXXX that help save lives. Wells Fargo shows absolutely ZERO regard or compassion for organizations like ours. We have now been charged a total of {$350.00} for erroneous overdraft fees. Based on the Wells Fargo representative, there will be more coming as they will continue their assault while this investigation continues.

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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Debt collector is trying to collect a debt that might or might not be mine. They are aggressive in their efforts and its very disturbing. The debt is said to be around {$220.00} and is tied to a XXXX bill.

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 2026-07-21 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: NH

Complaint narrative:
Citibnk closed XXXX accounts that were in good standing claing that I made false statements regarding a disputed charge. I did not.

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 2026-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: NC

Complaint narrative:
The company returned my XXXX payment XXXX XXXX on XXXX and again on XX/XX/XXXX for which I filed a complaint on XX/XX/XXXX. Today XX/XX/XXXX I received a statement letting me know that my payment is late.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
When I checked my CC statement I saw XXXX charges at a XXXX store in XXXX XXXX, XXXX. I have never shopped online at XXXX and not shopped in a XXXX store in many years. I have nevr been to XXXX XXXX, XXXX. I reported the fraud and the account/card was closed and a provisional credit was issued. After about XXXX weeks I received a notification that the charges were correct. When I called Barclays they told me that the card had been physically used in the store, which is impossible. I asked to talk to a senior person within the fraud department and somebocalled me today. They said that their investigation concluded that the card had been used with the wallet. My question is, when a credit card comes with Fraud Protection, shouldnt I be protected when I use my card at a machine or online and fraudsters manage to pull information from my card?

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been a Citi credit card member for over XXXX yrs. I was in the process of purchasing an airline ticket from XXXX XXXX. At check out, there was a pop up offer from Citi for an Advantage Platinum card. The offer was a {$400.00} statement credit applied the purchase of the pending ticket, XXXX miles after a few things were done later on, and the standard list of Advantage Platinum benefits. I completed the app, received an approval via email and text, and proceeded to complete my purchase. I did not receive the necessary info, though, to use the new card as a payment option for the ticket. I logged into my Citi account. I see both my existing Citi card and the new AAdvantage card, limits, options, etc. I chatted and called Citi to find out how I am supposed to use the card for the thicket purchase. They stated I had to wait for the card to be sent in the mail. This is not what was advertised, not what I applied for, not what I was approved for. Pretty horrible bait and switch. I would not have applied for the card if the offer made was not real.

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