vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Complaint Regarding Duplicate Truck Payment and Failure to Resolve I am filing this complaint regarding a duplicate truck payment that was withdrawn from my bank account by Ally Auto. A full monthly truck payment was successfully withdrawn from my account as scheduled. Approximately XXXX week later, Ally withdrew an additional full payment, despite that payment not yet being due. As a result, Ally received XXXX full monthly payments within the same payment cycle. Since then, more than XXXX months have passed, and this issue remains unresolved. During the past month alone, I have contacted Ally Auto on XXXX separate occasions. Each representative assured me that the issue was being addressed and that I would either receive a refund or have the payment properly credited to my account. Despite these repeated assurances, neither has occurred. Additionally, my recent attempts to contact Ally have been extremely concerning. On multiple occasions, my calls have ended without my issue being resolved, leaving me feeling as though my concerns are being avoided rather than addressed. Whether intentional or not, the result has been that I have been unable to obtain meaningful assistance despite making repeated good-faith efforts to resolve this matter directly with Ally. I am requesting that Ally immediately : * Correct the duplicate payment by either issuing a full refund or properly applying the payment as a credit, as appropriate. * Provide a written explanation of how this error occurred. * Confirm in writing that my account is accurate and that no further errors have occurred. I have made every reasonable effort to resolve this matter directly with Ally. After more than XXXX months and multiple unsuccessful attempts to obtain a resolution, I am requesting prompt action to correct this issue. The XXXX dates on which they withdrew were on XX/XX/year> and XX/XX/year>

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Complaint Against USAA I am filing this complaint against USAA Bank because it has restricted my checking account and denied me access to my funds despite my deposit of a legitimate attorney-issued check. On XX/XX/year>, I deposited a {$3400.00} check issued by XXXX XXXX XXXX, my attorney. The check was drawn from the firms attorney trust ( XXXX ) account and was identified as a Trust Balance Refund/Matter Closed check. The accompanying letter from my attorney confirms that the check represented the remaining balance of funds held in my trust account. Despite depositing a legitimate attorney-issued check and making myself available to cooperate with any verification requests, USAA restricted my account and has prevented me from accessing my money. Although my account reflects an available balance, I have been unable to use those funds because of the restriction. USAAs actions have caused severe financial hardship. I have been unable to pay my rent, make my vehicle payment, or purchase fuel needed to travel to work. As a result, my employment is in jeopardy. In addition, my XXXX children and I are now facing eviction because I have been unable to access my own money to pay our rent. I also have a child custody hearing scheduled for XX/XX/year>. Maintaining stable housing and employment is critical as I prepare for those proceedings. USAAs continued restriction of my account has created unnecessary hardship during an already critical time for my family. I understand that banks have a responsibility to investigate suspicious transactions when appropriate. However, I deposited a legitimate check issued by a licensed law firm from its attorney trust account, and I have provided documentation supporting the source of the funds. I believe USAA has failed to resolve this matter within a reasonable time and has not provided an adequate explanation for continuing to restrict my account. I respectfully request that this complaint be investigated, that USAA provide the legal basis for restricting my account, and that my funds be released immediately if there is no lawful reason for continuing to withhold them. I have attached copies of the attorneys check, the accompanying letter, and the trust account records demonstrating the legitimacy of the funds. USAAs actions have jeopardized my familys housing, my employment, and my ability to provide for my XXXX children. I respectfully request prompt intervention before my family suffers further harm. Respectfully,

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MT

Complaint narrative:
Check was mobile deposited XX/XX/year> they released XXXX dollars of the check. Then took it back and are now holding the funds till XX/XX/year> this is a working XXXX account and them funds are for customers parts and just out me in a bad way

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 2026-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Primus Law PC
State: UT

Complaint narrative:
The debt collection agency Primus law pc has committed two clear violations of the FDCPA regarding account # XXXX. First, they sent an initial collection letter dated XX/XX/year>, which did not contain the mandatory statutory validation notice. They failed to mail the required validation information ( i have yet to receive this ) completely missing the 5-day deadline mandated by 15 U.S.C. 1692g ( a ). Second, their correspondence explicitly and falsely states that I only have ten ( 10 ) days to respond to their notice. This is a severe violation of 15 U.S.C. 1692e and 1692g, as it unlawfully attempts to shorten the federally mandated 30-day consumer dispute window through deceptive overshadowing. Please see attached where they said I only have 10 days to respond to their correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
I received a call from someone impersonating a banker with US Bank. They we're reading my transactions and told me there was an unknown charge of {$8800.00} that was withdrawn from my account. Because I was driving, I did not check the transaction for myself. He asked me to open a card on XXXX so my bank can provide provisional credit to the debit card. I opened a new card that the scammer gave me on XXXX, the card ends in XXXX. The scammer told me they provided provisional credit. I hung up the phone and checked my bank account. I saw {$8800.00} was withdrawn from my checking account into the new card. I immediately called the Fraud department from my bank and told them what happened. I opened a fraud claim, closed my accounts, closed my debit card, opened new accounts, opened new debit cards, filed a fraud claim with XXXX, froze all of my credit accounts, and opened a case with the police department in XXXX, SC. The phone numbers the scammer called me from XXXX and XXXX. The detective working on my case already confirmed these are fake numbers. I am still working with my bank, XXXX, and a detective to resolve the scam. By reading all of my charges that were authorized by me, the scammer clearly had access to my bank account. I am planning on pursuing legal action against US Bank if the investigation does not go in my favor. Additionally, myself and five of my family members are changing banks if the investigation does not go in my favor due to losing trust in their security. The bank has provided me with provisional credit of {$8800.00}. As I mentioned, the investigation is still on-going. Any help is very much appreciated.

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 2026-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a targeted Bank of America offer to spend {$25.00} on XXXX XXXX and earn a {$15.00} cashback reward by XX/XX/year>. I activated the offer and completed the qualifying transaction on XX/XX/XXXX. However, I never received the cashback, and my dashboard has always shown the pending reward as {$0.00}.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a Wells Fargo credit card that had a XXXX credit limit and that because every time that I called for a credit limit increase they will grant it because of my good record. One day I received a balance transfer offer from this particular card and I accepted it. I decided to transfer about XXXX and leave the remaining XXXX on the card so as to not affect my credit score. A few months after taking that offer, Wells Fargo around XX/XX/year> decreased my credit limit to XXXX. This is a well known predatory lending practice where the lender purposely decrease your limit after baiting the consumer with an offer. Wells Fargo knew that by doing that my utilization ratio would be severely impacted and my credit score would be drastically affected. Wells Fargo knew that it would be nearly impossible for me to obtain another offer for a balance transfer from another bank to pay for my wells fargo card once the offer apr had expired. Now, they knew that they could potentially have a costumer trapped in very high minimum payments for close to 30 years or more. Now, they are also able to increase my apr and charge me more. Also, Wells Fargo knew that higher credit card payments could lead to overdrafts from checking accounts not having enough for the new higher payments and to potentially force the borrower to get a cash advance from the credit card to cover the overdraft fees of the checking account. It is a very profitable scheme because now they have higher apr, cash advance fees, overdraft fees, cash advance interest etc. Wells Fargo is well known for this kind of schemes so this is no surprise to anyone. I have called them repeatedly to reverse this predatory lending decision but they just dont care. Recently one of the level 2 representatives just hung up on me while I was explaining to him all of this. I even escalated this to the executive department but they just defended their scheme and refused to correct it. Its been 2 years since this incident happened and my credit score has not been able to recover and yet all my accounts with wells fargo including the credit card are in good standing even after all the economic damage that they have caused me by purposely damaging my credit score. Immediately after wells fargo damaged my credit score by maximizing my credit utilization when they reduced my credit limit all my other credit cards started also to charge me higher apr. This Wells Fargo predatory lending scheme has costed me XXXX of dollars and many lost credit opportunities and even paying higher security deposits for renting an appartment. CFPB should take immediate action and investigate this issue and potentially fine wells fargo or impose a severe sanction should there be more people in my same situation.

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 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Ally Financials handling of my auto loan deficiency balance following the voluntary surrender of my vehicle. After the vehicle was surrendered and sold, I contacted Ally to resolve the remaining balance. During those discussions, I was informed that if I entered into a payment arrangement, I could settle the remaining balance for approximately {$12000.00}. I was also advised that as long as I continued making those payments, the account would not negatively affect my credit reporting. Relying on those representations, I began making payments. Despite that, Ally reported the account as a charge-off to the credit bureaus. When I later contacted Ally to discuss the issue, multiple representatives informed me they could not locate the settlement agreement or any documentation supporting what I had previously been told. As a result, I have received inconsistent information from Ally, my credit has been significantly damaged, and I have recently been denied financing for an investment property. I am requesting that Ally : Conduct a full review of my account. Provide copies of all account notes and settlement discussions. Provide written confirmation of the current settlement amount. Explain in writing how the account will be reported after payment. Correct any inaccurate reporting if the current reporting does not accurately reflect the agreement that was communicated to me. I am not asking the CFPB to force Ally to delete accurate information. I am requesting assistance in obtaining a clear, documented resolution and determining whether Allys representations and credit reporting complied with applicable consumer protection laws. Loan # 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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
b'I submitted a cease and desist on XXXX to Citibank to stop all digital communication attempts. They failed to do so and has subsequent violated the cease and desist. At least XXXX times now by continuing to email me. They also failed to rectify the violations of the ada title iii and committed violations of a no call regulation f agreement from a previous complaint. As for this complaint \nDates of violation to follow.\n03/28/2026\n04/01/2026\n04/07/2026\n04/11/2026\n04/12/2026\n04/14/2026\n04/16/2026\n04/17/2026\n04/22/2026\n04/23/2026\n04/24/2026\n04/29/2026\n05/02/2026\n05/03/2026\n05/10/2026\n05/19/2026\n05/23/2026\n05/26/2026\n05/29/2026\n06/06/2026\n06/12/2026\n06/14/2026\n06/21/2026\n06/22/2026\n06/28/2026'

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 2026-06-28 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the handling of a fraudulent transaction on my credit card account with Citi Bank. Summary of the Incident : Transaction Date : XX/XX/year> Disputed Amount : {$4300.00} Merchant : Agoda.com Nature of Dispute : Fraudulent Misrepresentation / Unauthorized Charges On XX/XX/year>, I initiated a booking through Agoda.com for a XXXX stay in XXXX. Shortly after, it became clear that the listing was fraudulent. The address did not exist, and I was contacted via the messaging app " Line '' by an individual ( " XXXX '' ) who attempted to redirect me to other non-existent locations. Despite my immediate attempts to cancel through XXXX customer support, I was unable to do so because no reservation was ever registered under my account. Financial Institution 's Handling : I contacted Citi Bank regarding this fraud on XX/XX/year>. Despite providing detailed evidenceincluding communication logs with the scammer and transcripts of my interaction with the Agoda AI botmy initial dispute was denied on XX/XX/year>. An appeal was filed, yet the bank continues to uphold the charge for {$4300.00}, which is approximately XXXX times higher than the market rate for comparable 5-star accommodations in the area. Furthermore, I have observed significant price discrepancies for the same property. The identical listing I booked is currently available on XXXX for {$1100.00} for the same four-night duration. Even more concerning, another listing at this exact address is currently offered for as little as {$320.00}. Given these variations, I would also like to understand why my booking was priced at {$4300.00}! Requested Resolution : I am seeking a full reversal of the {$4300.00} charge. I believe this charge resulted from a sophisticated booking scam, and I have provided sufficient evidence that the service described was never rendered and that the transaction was fraudulent. I request the CFPB to assist in investigating why Citi Bank has failed to adequately protect me from this clear instance of fraud. I have provided all relevant documentation, including communication logs and proof of the fraudulent nature of the merchant listing. Sincerely, 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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I believe my personal information and certain account information are inaccurate due to identity theft or reporting errors. I respectfully request that XXXX investigate any accounts, addresses, or other information that can not be verified as belonging to me and remove any information that is inaccurate. XXXX XXXX, XXXX Reported : XXXXXXXX XXXX XXXX {$220.00} Closed I also request that all information reported under my name be verified with the original creditors. If any account or personal information can not be verified as accurate, please delete it from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation in writing once it has been completed. Thank you for your prompt attention to this matter. Sincerely,

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 2026-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: AR

Complaint narrative:
Deceptive billing practices, failure to clearly disclose recurring subscription costs, and a violation of the Electronic Fund Transfer Act ( XXXX ) / Regulation XXXX.

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 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FLAGSHIP FINANCIAL GROUP LLC
State: OK

Complaint narrative:
In XX/XX/XXXX, I requested to voluntarily surrender a vehicle to Flagship XXXX XXXX in Florida. The company failed to respond to my numerous calls until a month later and to pick up the vehicle until XX/XX/XXXX. Subsequently they auctioned it at the end of XX/XX/XXXX, which I only discovered recently by pulling a XXXX report. Flagship completely failed to provide the mandatory pre-sale Notice of Intent to Sell or post-sale Explanation of Deficiency required by Florida Statute 679.616, despite me living at the same address for more than XXXX more years. Their last correspondence simply stated they " XXXX '' sell it and I " XXXX '' owe a balance. I never received an actual bill or auction calculation. Due to personal circumstances, I was first able to address this in XXXX, XXXX when I wrote XXXX asking for a full account verification including the missing notices, and accounting for the amount owed. Flagship responded late to my request, providing an account file that physically proved the mandatory statutory notices were missing. When I filed a second detailed dispute with the credit bureaus in XX/XX/XXXX regarding these missing notices, Flagship waited until the XXXX day of the XXXX window to send me a letter stating they were transferring the debt to XXXX XXXX XXXX XXXX XXXX the investigation.Within the last XXXX weeks, XXXX sent me a collection bill for {$14000.00} claiming I owed this amount as of XX/XX/XXXX and a separate predatory settlement offer. XXXX is aggressively demanding that I settle for half on the condition that I assign over unrelated insurance proceeds from a recent unrelated car accident, they are attempting to collect under an incorrect entity name ( " Flagship Financial Group LLC '' ). Because Flagship failed to provide absolute statutory notices, their right to a deficiency is legally dead, the balance is {$0.00}, and XXXX is collecting on an uncollectible debt. This inaccurate reporting is completely blocking me from qualifying for an FHA home mortgage. I require a total deletion of this inaccurate tradeline to resolve this matter.

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