vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I am filing this complaint regarding the handling of my XXXX credit card account, the repeated delays in resolving my account, and the inadequate customer service I have received. I was approved for a XXXX credit card ; however, I never received the physical card. Despite never receiving or using the card, my account was charged an annual fee. Before the 30-day waiting period following my application had ended, I contacted XXXX to request an address change. I was informed that my address could be updated if I first verified my identity. I promptly complied by submitting a utility bill. After that, I was instructed to submit a selfie while holding my government-issued photo ID, which I also provided. By the time XXXX reviewed my submitted documents, I was informed that they were no longer sufficient and that I would instead need to provide a copy of my Social Security card or my birth certificate. At that point, I realized that 30 days had passed since my application, so I requested that my address simply be updated under the 30-day policy. I was then told that the change could not be processed on the 30th day itself and that I had to wait until the following business day. Throughout this process, I have attempted to follow every instruction provided by XXXX. However, the verification requirements continued to change while my request was pending, resulting in additional delays that were outside of my control. I have made multiple attempts to resolve this issue through XXXX customer service channels. During one chat session, I was told that customer service could not assist me and that I needed to speak with an account specialist. During another interaction, my chat ended before my concerns were resolved. During a phone call, I was disconnected before my questions regarding my account balance and the annual fee were answered. Despite my cooperation, I still have not received the credit card, my account is suspended due to address verification, and I continue to receive payment reminders for an account that I have been unable to use. I have made every effort to comply with XXXX requests and am seeking a prompt, fair, and complete resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, a transaction of {$1400.00} was charged to my credit card ending in XXXX by an auto repair shop for an A/C compressor replacement and an oil change. The repair included a XXXX warranty. The vehicle was rarely driven over the winter, and when the A/C was turned on in XX/XX/XXXX, it failed completely and was blowing hot air. On XX/XX/XXXX, I initiated a credit card dispute after discovering the repair failure and finding that the merchant had disconnected their phone lines and completely vacated their building, leaving them entirely unreachable to honor the warranty. The credit card issuer sent a letter on XX/XX/XXXX, requesting additional information. I responded with all requested documentation on XX/XX/XXXX, adjusting the disputed amount to {$1300.00} to exclude the completed oil change. On XX/XX/XXXX, the issuer denied the dispute via letter, claiming it was received " beyond the applicable time limits. '' This denial incorrectly treated the claim as a standard " billing error '' subject to a 60-day deadline under 12 CFR 1026.13. On XX/XX/XXXX, I mailed a formal appeal via Certified Mail with Return Receipt Requested, which was officially delivered and signed for by the issuer on XX/XX/XXXX. The appeal clearly reframed the case as a " Claims and Defenses '' assertion under 12 CFR 1026.12 ( c ) and Visa Reason Code 13.1, using the XX/XX/XXXX " date of discovery '' for a failed service under warranty. Under the Fair Credit Billing Act ( FCBA ), the card issuer is required to provide a written acknowledgment within 30 days of receiving dispute correspondence. On XX/XX/XXXX ( 49 days post-delivery ), I called the issuer to check the status. I spoke with representative XXXX ( Employee ID # XXXX ), who explicitly confirmed on a recorded line that the issuer received my certified mail package on XX/XX/XXXX, but confirmed that the correspondence had been completely ignored and the case left closed. This constitutes a direct, admitted violation of the FCBA 's mandatory 30-day acknowledgment and regulatory review requirements.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a U.S. Bank Business Essentials Checking account on XX/XX/year>, using promotional offer code XXXX, which advertised a {$400.00} bonus upon satisfaction of the stated requirements. According to the promotion 's terms and conditions, customers were required to : Deposit new money into the account within 30 days of account opening ; Maintain daily deposits and/or an account balance of at least {$5000.00} ; and Complete six qualifying transactions within 60 days of account opening. I fully complied with every requirement of the promotion. The attached documentation clearly demonstrates that new funds were deposited within the required timeframe, the account balance consistently remained above the {$5000.00} threshold, and at least six qualifying transactions were completed within the required 60-day period. I have specifically highlighted the qualifying transactions for ease of review. In addition, I have provided monthly account statements verifying the account activity and daily balances, as well as screenshots of the promotional terms and conditions that were in effect when I opened the account. Based on the documentation provided, there is no reasonable basis to conclude that the promotional requirements were not met. Accordingly, I expect U.S. Bank to honor the terms of its offer and promptly credit the {$400.00} bonus that was earned through full compliance with the promotion 's requirements. I request a thorough review of the attached evidence and immediate resolution of 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
Consumer complaint received 2026-07-06 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: FL

Complaint narrative:
RE : WELLS FARGO -NOTICE OF DISPUTE, DEMAND FOR ACCOUNTING, DEMAND FOR PROOF OF OWNERSHIP, AND DEMAND FOR AUTHORITY TO ENFORCE XXXX XXXX XXXX statement that the account remains active does not establish ownership of the receivable. Servicing rights and collection authority are distinct from legal ownership. Please identify the present owner of the receivable and produce the documents establishing your authority to report, collect, and enforce this account. See attached

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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My account got hacked and scammed for a XXXX payment for {$3000.00} and the bank denied my claim as well as denied sending me the proof of denial. I'd like to get my money back and figure out why it got denied as this was unauthorized transaction and fraud.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I c system need proof that it's my debt it's been over 30 days since I asked for proof.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AR

Complaint narrative:
Hello, I am writing to formally request a review of my eligibility for the promotional bonus associated with my account with us bank. On the day I called in to confirm eligibility, I was informed by a bank representative that I had met the criteria for the promotion. Based on that information, I continued to maintain the required account activity and balance, believing I was in compliance with the offer terms. After the promotional period, I was informed that the bonus was not awarded because certain transactions were deemed ineligible. However, at the time of my prior call, I was advised that I had met the requirements and I relied on that guidance in managing my account activity. I am respectfully requesting a reconsideration and manual review for approval of the promotional credit, as I acted in good faith based on the information provided by your representative. Thank you for your time and assistance, 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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I request the immediate release of the full withheld amount of {$8300.00} ( {$7500.00} and {$850.00} ) to me by official check or transfer. If Truist believes it has a legal basis to continue the hold, I request a written explanation citing the specific contractual or legal authority for the hold, the exact amount held, the date the restriction was placed, and a firm release date. I also request : ( XXXX ) complete copies of all account statements for the affected account ending in XXXX ; ( XXXX ) written confirmation of the status and final disposition of claim XXXX ; and ( XXXX ) reimbursement of any fees charged to the account during the hold period.

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 2026-07-06 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: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I was at my home in XXXX, Texas at XXXX XXXX when a transaction was made in XXXX, CA at an XXXX XXXX # XXXX for the amount of {$83.00}. I am an XXXX yr old woman who XXXX XXXX etc and I have my XXXX working on this sending letters etc. Her name is XXXX. Anyway, the bank XXXX which used to be XXXX XXXX XXXX says a physical card was used and so they can not give my money back!! The statement they sent to me shows I was in Texas at the time and they still refuse. I dont have that card, I dont know if it was lost or stolen?? I am elderly, On social security and do not appreciate being taken advantage of especially when I have proof and so do they!

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank XXXX XXXX I use M & T as my normal banking institution. I did not know my bill pay was run by XXXX XXXX. I have a current complaint with CFPB XXXX against XXXX XXXX XXXXXXXX XXXX All for the same {$4000.00} that is missing. M & T refunded the amount to me on XX/XX/XXXX and on XX/XX/XXXX took it back. M & T said it was my original refund from XXXX XXXX XXXX. Now my bank account is- {$850.00} I can not pay any bills that are due. This has been ongoing since XX/XX/XXXX and I still have not received my money and no one seems to be able to find it between M & T Bank, XXXX XXXX and XXXX 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 2026-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
My motor vehicle retail installment contract is held and financed by MEI Auto Finance , Inc. My loan account is XXXX % current with a {$0.00} past-due balance, and I actively pay the lender a monthly premium for force-placed insurance ( XXXX ). Over the weekend, my car was moved to an impound lot due to a private parking violation. MEI Auto Finance intercepted the car from the impound lot and forced me to pay a {$200.00} repossession/towing fee to recover my property. When challenged, they falsely claimed their contract allows them to charge this fee regardless of default. According to the 'Care of the Motor Vehicle ' clause on XXXX XXXX of my contract, they are only legally authorized to pass through the exact cost paid to the third-party impound lot. Because I was not in default, the 'Repossession ' clause on XXXX XXXX was never legally triggered. I am demanding a full regulatory investigation into their collection practices and a mandatory refund of the unauthorized {$200.00} tow 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 2026-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I entered into a payment agreement with the collection agency and made my XXXX payment on time. When it was time to make my second payment, I was informed that JetBlue had recalled the account and that the collection agency could no longer accept my payment. Since then, I have contacted both the collection agency and JetBlue multiple times to determine who currently owns the account and where I should send my payment. Every time I call, I am told that someone will contact me within XXXX days, but I never receive a call back. I have made every effort to resolve this debt in good faith, but I have been prevented from doing so because of the conflicting information provided by the companies. I am concerned that I may be sued or my credit may be negatively affected even though I have been trying to pay and comply with the payment agreement. The companies failure to properly communicate and manage my account has left me unable to resolve this matter despite my repeated attempts.

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 2026-07-06 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: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
I was taking out a loan with them around XXXX XXXX and it was for XXXX XXXX Did it through the website and I wasnt told how many payments it was going to be. How long of a period. Nothing. Then recently I found through the app a 700 % APR annual percentage rate. And I freaked out! I was never told this and I was pretty sure it was illegal. The first charge was XX/XX/XXXX : XXXX Then they tried charging me a couple days after when I hadnt gotten paid yet another XXXX I called them on the phone which was impossible to reach and I ask if they can lower the month payment down to XXXX. They agreed and nothing else was spoken to me about through the phone. Since then I have been getting charged XXXX up until now the recent charge was XX/XX/XXXX. Now Im not sure if since I asked the monthly payment to go down if the APR rate went OVER XXXX. Because I wasnt told anything!! Also their app seems to be not working because everything I try to do early payments it makes the whole system scramble and I had to call them to fix it. And they told me not to trust the app anymore???

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 2026-07-06 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: FL

Complaint narrative:
On XX/XX/year> we used a Barclay Bank XXXX credit card to pay for a {$18.00} cab ride in XXXX, XXXX. We used a point of sale terminal, the credit card never left our hands. The driver told us the card didn't go through 2 times so then we paid with cash. We received an email soon afterward saying there was suspicious activity so we contacted the bank. There were 2 charges for {$230.00} totaling {$460.00}. We came to find out we were victims of international skimming scan using a modified point of sale terminal. The merchant forced an offline transaction to run a cash advance without my consent. We contacted Barclay Bank and told them we never took out cash advances. They denied our claim.

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 2026-07-06 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 early XX/XX/year>, my daughter attended an inquiry meeting for cheerleading. To attend the meeting, we were required to put a card on file in case a child later decided to participate. I did not want to provide payment information at that stage, but it was required. My daughter decided not to participate in cheerleading. Even so, XXXX XXXX charged my card {$120.00} in XX/XX/year>. At that time, I could not reach XXXX XXXX, so I disputed the charge with Citi. In XX/XX/year>, XXXX XXXX charged my card again for {$70.00}. This time I was able to reach someone at XXXX XXXX, and that charge was refunded. However, they told me they could not refund the earlier {$120.00} charge because it was already under dispute with Citi. On XX/XX/year>, the {$120.00} dispute was decided against me. Since then, I have contacted Citi weekly trying to provide documentation showing that the charge was invalid. I have repeatedly been given inconsistent and inaccurate information by Citi. First, I was told the dispute could not be reopened immediately and that a request had to be submitted to reopen it. I was told to wait 7 to 10 business days. When I followed up after 2 days, I was told again to wait the full 10 business days. When I called back on business day 11, Monday, XX/XX/year>, I was told Citi did not know why the dispute had not been reopened, but that another request would be submitted to follow up on the status. Again, I was told to wait another 7 to 10 business days. After waiting 7 more business days, I called again and was told I would receive a permanent {$120.00} credit. I never received that credit. Later, Citi told me they did not know why I had been told that. I have now emailed my supporting documents to XXXX as instructed, but based on the repeated delays, misinformation, and failure to follow through, I do not have confidence that Citi is handling this matter properly.

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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
Received a text message from Valor intelligent processing LLC on behalf of XXXX XXXX stating that a I owed them {$110.00}. The parking lot in question has no way to pay and doesn't clearly state rates or how you will can pay, does not provide a ticket / recepit showing time in out or how much owed. I believe that the first 30 minutes are free. When i called the number provided in the text message the woman stated that I parked there in XXXX of 2026 and was there for approx. 40 minutes and was charged {$110.00} ; approx. {$48.00} of the {$110.00} was a " Notice Fee ''. They knocked it down to {$16.00} and i paid the fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I was notified that Credit Card with XXXX XXXX was being transferred to Citi Bank. I notified XXXX XXXX that I do not want my Credit Card account transferred to Citi Bank in XXXX of XXXX. However in XXXX of XXXX I received a Credit Card in the mail from Citi Bank. I called Citi Bank and told them I did not want their Credit Card or did I authorize XXXX XXXX to transfer my account and in fact I tried to close this account with XXXX XXXX. Citi Bank said they received this transfer from XXXX BXXXXnk even though I cancelled my Credit Card Account prior to the transfer. I told them I did not authorize this transfer and that I want to cancel my account. They told me that I was responsible for the annual fee of {$99.00} and I need to pay them. This hardly seems fair to the consumer who ask to cancel and not transfers my Credit Card account. I spoke to both XXXX XXXX and Citi Bank superivisors and explained the situation and that they need to remove this annual fee for a card I did not authorize but unfortunately I was told there was nothing they could do to help me. I hope you are able to help me resolve this annual fee being charged to me from Citi Bank. Thank you, XXXX 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