vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card issuer, Citibank, reinstated two charges that do not belong to me, despite documentation supplied by the merchant itself proving the charges belong to a different person. XXXX merged our XXXX XXXX XXXX account with the account of a different individual who has the same name. We discovered the problem after a {$59.00} charge appeared on our Citibank card ending XXXX. We worked with XXXX to separate the accounts and cancel that card on XX/XX/year>, and the charge was reversed. XXXX then added a different card of ours to the account and billed it twice for transactions we did not make and did not authorize : {$1900.00} on XX/XX/year> ( XXXX XXXX ) and {$550.00} on XX/XX/year> ( XXXX XXXX ). I disputed these charges with Citibank and XXXX as unauthorized. The merchant responded with justification that actually proves the charges are not mine : it includes correspondence from both my husband and the other individual of the same name, and the email address, home address, and phone number on the account are the other individual 's not ours. Citibank nonetheless sided with the merchant and reinstated the charges, apparently without weighing the identity discrepancies in the merchant 's own evidence. These are unauthorized charges incurred by a separate individual. Under the Fair Credit Billing Act my liability for unauthorized use is limited, and I should not be billed for another person 's car rentals. I am asking that Citibank reopen the dispute, weigh the merchant 's documentation showing a different account holder, permanently remove both charges along with any related interest or fees, and refrain from any adverse credit reporting while this is unresolved.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year>, an accidental {$4000.00} credit card bill payment was made from my checking account to my U.S. Bank credit card. This payment was authorized in error due to a severe billing entry mistake. I initially requested a courtesy reversal of this {$4000.00} manual error by phone 14 days ago. Frontline customer support failed to log the ticket properly, causing a two-week delay before Case ID XXXX was officially opened today. Representatives are now quoting an unacceptable XXXX to XXXX processing window. Because this error removed critical liquid funds from my checking account, withholding these funds is causing an immediate and severe financial hardship for my household. I demand that U.S. Banks Executive Escalations Team review this case under ticket XXXX, bypass its standard processing queue, and return my {$4000.00} via electronic ACH transfer back to the originating checking account immediately.

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 — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am filing this complaint against my mortgage servicer for a persistent, systematic failure to properly manage my escrow account, resulting in financial hardship and a blatant disregard for state tax law and documentation provided. As a 100 % permanently and totally XXXX XXXX residing in South Carolina, I am legally exempt from paying property taxes on my primary residence. My mortgage servicer has been notified of this status repeatedly, yet they continue to erroneously calculate my escrow payments based on a tax liability I do not owe, illegally driving up my monthly mortgage payment. I am fully exempt from primary residence property taxes. The servicer has been provided with my official South Carolina XXXX XXXX XXXX tax exemption letter and my XXXX Benefit Summary/Disability Rating verification. I have submitted this documentation numerous times through official channels. Despite clear proof of a zero-dollar tax liability, the servicer ignores the documentation and conducts escrow analyses that predict thousands of dollars in non-existent tax bills. Because the servicer insists on collecting for a tax bill I am exempt from, they have raised my monthly escrow payment approximately every XXXX XXXX. This has forced me to personally seek tax refunds from XXXX XXXX for tax years XXXX and XXXX to recover money the servicer wrongfully paid out. I have attempted to provide the servicer with the refund check stubs as further proof that the county does not retain these taxes, but the servicer refuses to adjust their methodology. The servicer is violating Real Estate Settlement Procedures Act ( RESPA ) Regulation X guidelines regarding escrow accounts. Under RESPA, escrow analyses must be based on a reasonable estimate of the disbursements that will actually be paid. Collecting substantial funds for a tax bill that has been legally wiped outand where proof of a zero-dollar liability has been repeatedly providedis an abusive servicing practice and a failure of accurate record-keeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I dispute the remaining balance associated with my XXXX XXXX agreement because the transaction included both goods and services. While I received the physical aligners, the services, support, and treatment-related obligations that were part of the agreement were not adequately provided or completed. The agreement did not clearly state that treatment had to be started immediately upon receipt of the aligners. At the time I received them, I was experiencing severe hyperemesis gravidarum ( HG ) during XXXX and was advised not to proceed with treatment. When I later attempted to address my treatment and account concerns, I was unable to obtain the level of support and service that I believed was included as part of the agreement. XXXX previously provided a credit of approximately {$700.00} that was applied toward the financed balance. However, this credit did not fully resolve the underlying dispute regarding the services and treatment support that were part of the original agreement. I previously submitted a complaint that resulted in an acknowledgment from Synchrony stating that an investigation would be conducted and that a response would be provided within XXXX to 60 days. However, I never received a final determination, investigation findings, or written explanation of the outcome. I have repeatedly attempted to resolve this matter directly with XXXX, XXXX XXXX, and Synchrony. Despite these efforts, the underlying service-related issues remain unresolved, and I continue to receive demands for payment on the remaining balance. This dispute is not solely about receiving the physical aligners. My dispute concerns the services, support, and treatment obligations that were part of the overall transaction and that remain unresolved. Given the unresolved service issues and the lack of a final investigation response, I request a review of the remaining balance, a written explanation of any investigation findings, and the basis for continued collection efforts. I previously disputed this debt. Synchrony acknowledged an investigation and stated a response would be provided within XXXX days. I never received the investigation findings or a final determination. Despite the unresolved dispute and lack of investigation results, collection efforts continue.

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: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Metallicus, Inc.
State: IN

Complaint narrative:
It's been XXXX business days since you confirmed my {$540.00} was sent to a closed card on XX/XX/year>. Under Reg E, you have XXXX business days to resolve this. I have filed CFPB Case # XXXX. I need the ACH trace ID and return date today. Reissue my funds via check or new bank transfer within XXXX hours to avoid further regulatory action

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is acting in bad faith by refusing to honor a valid California XXXX XXXX of Attorney. The principal is medically incapacitated. I have provided two physician letters certifying incapacity per the POA 's terms, alongside a California XXXX XXXX XXXX XXXX of XXXX. Citibank 's branch and regional legal office are falsely claiming a California XXXX notary is 'improper'which is legally incorrect under CA lawand they are now ignoring all communications, freezing necessary access to the principal 's funds. ''

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: CA

Complaint narrative:
On Saturday XX/XX/XXXX, my personal bag was stolen from the beach at XXXX XXXX, California that included my wallet, my phone, and my car keys. After discovering that it was stolen, I was able to locate the location of my phone through XXXX location sharing with my wife. My XXXX was located on the side of the road in XXXX California, about 30 minutes away from where it was stolen. Once I was able to power up my phone, I saw text messages from the Wells Fargo app with verification codes and discovered that my Wells Fargo App had been hacked. Since I was no longer able to get into my account due to my passwords being changed, I immediately called Wells Fargo 's customer services to inform them of the security breach. After spending almost an hour with customer service to get information on my account, they inquired about two charges made that same day ( XXXX ) at two separate XXXX store locations totaling ~ {$17000.00}. I immediately disputed the charges, requested for my account to be closed, and a new account to be created. On XX/XX/XXXX, Wells Fargo left me a voicemail to say that my claim of unauthorized charges was denied and the claim was closed. They denied any fraudulent spending and the unauthorized charges would remain on my account. Two large purchases of {$7600.00} and {$9400.00} were made using mobile tap app at two separate XXXX locations rough XXXX minutes away from each other without any request for additional identification is 100 % suspicious and should have caused concern and alarms with both XXXX and Wells Fargo . In the following days and months, I have come across multiple new articles on how beachgoers and surfers are targeted with similar crimes that I was victim too. For example, in XX/XX/XXXX, XXXX XXXX, a repeat offender with a history of bank heists, awaits sentencing for masterminding a scheme that defrauded surfers on Southern California beaches. According to court documents and media reports, a member of the crime ring would watch surfers in XXXX XXXX XXXX, XXXX, XXXX XXXX and elsewhere as they parked their cars and stashed their car keys before paddling out. An accomplice on the beach would then confirm that the surfer had entered the water and give the all-clear for a crime partner to steal the key and break into the car. I believe my claim should be reviewed again and Wells Fargo should take more effort into it's investigation. It's unfortunate that Wells Fargo did not take my claim seriously as I was a victim to a common crime scheme. Wells Fargo should have better client and credit protection policies and services to help those who fall prey to criminals.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have had a number of fraudulent transactions occur on my account. I have raised a dispute and they denied the claims saying it was valid, but Ive reached out to the merchants and they said they received the disputes and theyre being processed. The funds were sent back from the merchants but the bank have not credited my account. I have escalated this multiple times and they refuse to move forward.

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 — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX. I currently bank with Wells Fargo. On XX/XX/XXXX I received a phone call from whom I thought was Wells Fargo. The person told me I had severe fraudulent activity on my savings account and I would need to close my savings account and they would reissue me a new card on the mail. They asked me to go to the bank pull out XXXX dollars from my savings account in order to investigate to see if its employees of the branch are giving out personal banking info. So I went to the branch in XXXX California pulled out XXXX dollars and then I went to the atm and redeposited it. When I got home I realized something didnt feel right so I contacted my bank again only to find out somebody spoofed me and pretended to be a Wells Fargo employee. When all this happened the actual Wells Fargo employee created a case to try and recover my funds only for Wells Fargo a few days later to tell me the case is being closed and their is nothing more they can do. So I asked them to escalate to upper management only for them another few days later to once again say they finished their investigation and they still cant refund. I keep getting the runaround and I feel completely helpless. I have also filed a police report with XXXX XXXX. The officer handling the case is officer XXXX with case number XXXX. I have also reached out to XXXX wireless to see if they can somehow trace the call.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
COMPLAINT NARRATIVE I am disputing a {$130.00} collection account that has been repeatedly placed on my credit report by a series of debt XXXX on behalf of XXXX XXXX XXXX ( original creditor : XXXX XXXX ), for equipment that I returned and that XXXX XXXX XXXX confirmed receiving. BACKGROUND In XXXX I returned XXXX XXXX XXXX XXXX equipment as instructed. XXXX XXXX XXXX sent me a written confirmation that the returned equipment was received, identifying it by make, model, and serial number ( XXXX XXXX, Serial XXXX XXXXXXXX ). Because the equipment was returned and confirmed received, no equipment balance is owed. I have documentation of XXXX XXXX XXXX 's confirmation of receipt and can provide it on request. Despite this, XXXX XXXX XXXX has repeatedly placed a {$130.00} charge for this account with debt XXXX, who have reported it to my credit file. THE PATTERN The same {$130.00} XXXXXXXX XXXX debt has been reported and then DELETED from my XXXX credit file multiple times, by multiple XXXX, each time I disputed it : - XX/XX/XXXX - XXXX XXXX XXXX ( acct XXXX ) - DELETED - XX/XX/XXXX - XXXX. System, Inc. ( acct XXXX ) - DELETED - XX/XX/XXXX - XXXX XXXX XXXX ( acct XXXX ) - DELETED After each deletion, the same debt has reappeared under a new collector or a new account number. As of now, I.C. System, Inc. is again reporting the identical {$130.00} XXXX XXXX debt under a NEW account number ( XXXX ) despite having previously reported it under account number XXXX, which was deleted on XX/XX/XXXX. INACCURATE DATING The current XXXX. XXXX tradeline reports this account as opened XX/XX/XXXX, with delinquency markers beginning XX/XX/XXXX and " past due as of XX/XX/XXXX. '' This presents a debt originating from a XXXX XXXX XXXX XXXX account as a brand-new XXXX collection. The reporting does not reflect the original date of delinquency and makes a years-old, disputed, returned-equipment debt appear current. WHAT I AM REQUESTING XXXX. That XXXX XXXX XXXX correct its records to reflect that the equipment was returned and received, and cease placing this {$130.00} charge with XXXX. XXXX. That this collection account be permanently deleted from my credit file and not re-reported. XXXX. Confirmation in writing of the resolution. I have disputed this debt repeatedly and in good faith for over XXXX years. It has been deleted as unverifiable at least XXXX times. I do not owe this debt, I have proof the equipment was returned, and I will not pay a charge that is not owed. I am asking that the underlying record be corrected at the source so this stops recurring.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the XXXX 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 validation procedure. According to the XXXX, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful. I am completely overwhelmed with XXXX due to this matter and i feel very violated. This is keeping held back from many oppurtunities that I have access to.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank account was closed due to fraud on XX/XX/XXXX Following the closure, an IRS direct deposit hit the account on XX/XX/XXXX. Citibank accepted this deposit and applied it to a negative overdraft balance. Citibank claims the debt belongs to me, but the negative balance was entirely a result of the unauthorized, fraudulent activity that caused the account closure on XX/XX/XXXX. Under federal regulation E, I am protected against unauthorized electronic fund transfers and can not be held liable for fraud. Citibank is illegally holding my federal tax refund to offset fraudulent losses. I demand that Citi bank reserve the debt, validate the fraud claim, and release my IRS funds via a physical check immediately.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the XXXX 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 validation procedure. According to the XXXX, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful. I am completely overwhelmed with XXXX due to this matter and i feel very violated. This is keeping held back from many oppurtunities that I have access to.

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 — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
We have a XXXX XXXX. We want the XXXX as beneficiary on three USAA bank accounts. We also want a child added as joint owner on the three accounts. Despite multiple form uploads by us, as recommended by various banking customer service reps over the past three months, the two mentioned account ownership changes have not occurred.

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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
" I am updating my case with the exact timeline of events. Citibank issued written notices to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explicitly stating that my account was restricted and all incoming deposits/credits were blocked due to the fraud reported on XX/XX/XXXX. Despite their own internal restrictions, Citibank 's automated system accepted my {$7100.00} IRS direct deposit on XX/XX/XXXX to cover the fraudulent overdraft. I do not have physical copies of these letters anymore, but they are fully documented in Citibank 's outgoing mail archives for my account. I request that the investigator compel Citibank to pull these specific notices from XXXX XXXX to verify that they broke their own closure rules to seize my federal refund. ''

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