vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 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: MI

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX, my U.S. Bank checking account went negative, triggering XXXX {$36.00} overdraft fees on XX/XX/XXXX. My {$800.00} XXXX deposit had, in fact, posted on time that same day I simply believed the timely deposit had resolved the issue and took no further action. I did not call U.S. Bank until XX/XX/XXXX. On that call, I explained the situation and requested a waiver. The representative initially said she had no authority and that " the computer '' had declined. She eventually confirmed with a colleague that my deposit had posted on time and that the XXXX XX/XX/XXXX fees were bank error. I told her this meant the fees that followed caused by the resulting {$72.00} shortfall needed review too. She said there was nothing more she could do, and I accepted the XX/XX/XXXX resolution as stated. Reviewing my account since, I've found this was not accurate. The only refund anywhere in this period matches XXXX unrelated fees from XX/XX/XXXX not the XX/XX/XXXX fees the call was about. No refund has ever posted against XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. XXXX fees on XX/XX/XXXX were charged while ~ {$360.00} in pending debit-card holds ( invisible to me ) dropped my available balance negative, despite my deposit having posted. I asked the representative directly to explain this and she could not. XXXX of XXXX fees on XX/XX/XXXX were charged against a confirmed available balance of {$830.00} and {$800.00} genuinely positive, with no explanation offered. Because the original {$250.00} was never refunded, the same shortfall caused XXXX more fees on XX/XX/XXXX ( {$100.00} ) and XXXX more on XX/XX/XXXX ( {$72.00} ). XXXX unrefunded : {$430.00} across XXXX fees, all traceable to the same original error. My mortgage is also held with U.S. Bank, and I am on a repayment plan for it. Every XXXXne of these fees makes it harder to stay current on that payment the two obligations are working against each other. I am requesting a full review and refund of the {$430.00} in fees, written confirmation of what was reviewed, and that U.S. Bank pull and review the recording of my XX/XX/XXXX call, given the discrepancy between what I was told and what my records show. Full documentation, including a complete transaction timeline, is 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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I have been a loyal customer with this credit card account ( XXXX XXXX XXXX issued by Synchrony Bank ) for 10 years, maintaining an active account with a XXXX balance. Following a system update implemented by Synchrony, the bank 's digital platform locked me out of online and mobile access. Because I am currently overseas, the bank 's automated XXXX Authentication ( XXXX ) and security systems are completely unable to process my profile details or send security codes, cutting off my digital access entirely. I made multiple exhaustive attempts to resolve this. I contacted customer service and technical support, only to be repeatedly transferred back and forth between the XXXX departments, with both stating they could not fix the issue. I then escalated the issue to XXXX XXXX XXXX, who mailed a response on XX/XX/year>, claiming my online access was active and successful, ignoring the clear technical verification limitation I reported. I continued to call and leave messages with the corporate office to fix the digital access block. Instead of providing a technical override or troubleshooting the issue, Synchrony Bank unilaterally closed my XXXX account on XX/XX/year>, while a corporate dispute regarding my digital access was actively open. I am filing this complaint because Synchrony Bank wrongfully terminated a long-standing account in good standing purely due to an unresolved technical bug on their end. I request that Synchrony Bank manually override this technical administrative error, fully reinstate my XXXX account trade line, and provide a functional method for me to log in and manage my account digitally from abroad.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I've had a Citibank charge card for {$7200.00} okay that I've just had about XXXX weeks I've made every payment I made a XXXX over a over {$11000.00} and purchases and all were paid with no problem I wake up this morning on this day okay XXXX XX/XX/XXXX and I find out that my accounts closed for something that happened over 10 days ago that they never told me I want my I want my card back

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am completely locked out of my credit card account due to an unbreakable automated phone verification loop. I had a legal name change in XX/XX/XXXX. I updated my records with my mobile XXXX in XX/XX/XXXX to ensure everything matched. However, the bank 's automated vendor system is still failing to match my identity to my mobile line. On XX/XX/XXXX, I successfully completed their physical mail verification process by inputting the reference number sent to my home and my card was activated. Today, XX/XX/XXXX, I attempted to use my card, the charge was declined, and the system immediately locked me out again. When I called phone customer support and the fraud department, front-line agents and supervisors refused to conduct a manual identity override, refused to escalate my call to a supervisor with compliance clearance, and insisted I must wait weeks for another physical letterwhich already failed to resolve the underlying system block. I am being denied access to my account and funds with no path to internal resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I received a summons for court from CITI bank suing me. They are attempting to garnish and take funds that are illegal to take from me. I have SSA benefits. Them attempting to garnish said wages or my bank account is completely illegal and I will be retaining an attorney they were put on notice from before and this is starting to affect my health adversely. Please be advised that my income comes exclusively from [ Social Security Retirement / SSDI / SSI ] benefits. Under federal law ( 42 U.S.C. 407 ), these funds are protected from garnishment, levy, and other legal processes by private creditors. Continuing with this lawsuit and threats of garnishment are illegal

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 2026-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Ability Recovery Services is attempting to collect and report a medical debt they do not own. On XX/XX/2026, I contacted XXXX XXXX XXXX XXXX XXXX, the original medical provider, and spoke with XXXX. She confirmed that the current account holder is XXXX XXXX, not Ability Recovery Services. She further stated that the amount of {$2300.00} has been written off and my account shows a {$0.00} balance. She requested my email and is sending a written statement confirming the {$0.00} balance ; which it XXXX take between XXXX weeks to process. This is not the first time they do this ; it is a pattern. I had to dispute a previous account which it had to be removed from the same original creditor. Instead of sending the request debt validation documents I requested for this account, they sent me another bill that was previously written off. This proves Ability Recovery Services is acting with malicious intent, reporting false information, attempting to collect a debt they do not own, and furnishing a false balance. This conduct violates FDCPA 807 ( false representation ), FDCPA 808 ( unfair practices ), FDCPA 809 ( b ) ( failure to validate ), and FCRA 623 ( a ) ( 1 ) ( A ), 602 ( A ), and 607 ( b ). I request that the CFPB impose civil penalties and enforcement action against Ability Recovery Services for unlawful collection activity and false credit reporting. I also request deletion of this account from all credit bureaus and referral for further regulatory action if appropriate.

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 2026-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of my mortgage loan by Lakeview LoanCare ( servicer ) and XXXX XXXX ( foreclosure counsel ). The servicer initiated foreclosure before probate was complete, paused the foreclosure, and then restarted it 15 days after the property legally transferred into my name in Florida. Throughout this period, Lakeview LoanCare refused to provide required successorininterest paperwork ( XXXX XXXX / XXXX XXXX forms ), which prevented me from assuming, reinstating, or communicating about the loan. I had arranged to pay the servicer and resolve the mortgage, but Lakeview XXXX blocked the payment and refused to recognize me as a successor. Because they withheld the required successor paperwork, I was unable to reinstate the loan or stop the foreclosure.Timeline : Lakeview LoanCare began foreclosure while the loan was still in my fathers estate. They later paused the foreclosure, stating they would wait for probate to finish. Lakeview LoanCare restarted foreclosure 15 days later, without providing successorininterest documents. XXXX XXXX changed the summary judgment hearing date from XX/XX/XXXX to XX/XX/XXXX, knowing I was out of state and unable to appear. My fraudonthecourt motion failed because I was never recognized as a successor and could not obtain required documents. The property was sold at auction for approximately onethird of the judgment amount and about 32.5 % of fair market value, causing substantial financial harm to the estate.Issues : Lakeview LoanCare refused to provide successorininterest paperwork required under Regulation X. I was denied the ability to assume, reinstate, or defend the loan. The servicer blocked my attempt to pay and resolve the mortgage. Notices were not properly sent to me or the estate. Foreclosure was initiated, paused, and restarted irregularly. The summary judgment date was changed without proper notice. The foreclosure sale price was severely below market value and below the judgment amount. I can not obtain legal representation because Lakeview LoanCare will not recognize me as a successor. Requested CFPB Action : I request investigation into Lakeview LoanCares refusal to provide successorininterest documentation, their foreclosure timing, their notice practices, their blocking of payment, and the extremely low foreclosure sale price. I also request assistance obtaining the required successor paperwork so I can pursue legal remedies and challenge the foreclosure.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
They say I owe them I have never heard of the company and have never gave this company my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a letter in the mail from Credit Control LLC saying that I owe a debt to XXXXXXXX XXXX XXXX XXXXXXXX amount of {$540.00}. I have already notified Credit Control that I am a XXXX XXXX XXXX XXXX so they are to cease and desist contacting me. They did not provide a written validation of debt within the time frame required by law after their first contact with me. I am filing this complaint because Credit Control and XXXX XXXX are attemtpting to collext exempt funds. The United States Department of Veteran Affairs has already determined that as a permanent aXXXX XXXX XXXX XXXX XXXX my income is exempt from the claims of creditors. Since both companies are now in violation of consumer protection laws I am filing this complaint and have notified the Texas Attorney General.

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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The company does not provide accurate and updated alerts when changing payment methods. Initially, I only wanted to make principal payments above my minimum payment amount, however, everyone trying to change this something was not applied correctly by the company in my profile, and no alerts came through and it resulted in a XXXX delay in payment and is reported and negatively affecting my credit score. I am in the process of applying for a XXXX XXXX XXXX loan, and this will hurt immensely my efforts.

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 2026-07-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a second complaint because Bank of America sent me a new denial letter dated XX/XX/XXXX that repeats the same incorrect information from my first complaint and does not address any of the evidence I previously submitted. The bank continues to claim the unemployment card ending in XXXX was successfully activated with my credentials, even though the transaction records list the cardholder as XXXX, which is not my legal name. They also continue to rely on an activation date of XX/XX/XXXX, which is impossible because I did not activate any card in XXXX and my unemployment benefits did not begin until years later. Bank of America did not address the fact that I never received, activated, or used the card. They also ignored my incarceration from XX/XX/XXXX through XX/XX/XXXX, which made it impossible for me to perform any transactions. None of this evidence was considered in their new denial. The bank again failed to provide the documents they relied on, including correct identity verification, correct activation records, or any evidence linking me to the disputed transactions. This is a repeated violation of Regulation Es requirement to conduct a reasonable investigation. Because Bank of America issued a second denial without correcting identity errors, activation errors, or providing required documentation, I am requesting a new CFPB investigation and enforcement review.

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 2026-07-03 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited XXXX cash at the atm so I can pay my rent. Truist bank held my cash deposit. I called to raise the hold and the bank would not help me and even hung up on me. My deposit was all cash. A cash deposit should not be held or at least offer a way to relaease it for time sensitive payments. I hope a change is made.

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 2026-07-03 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: NY

Complaint narrative:
I have XXXX credit cards with Citibank with a total credit limit of {$64000.00} ( {$40000.00} plus {$26000.00} ). I want to close XXXX of the cards so that I have just XXXX card with a credit limit of {$50000.00}. THIS BENEFITS CITI AS ( XXXX ) THEY HAVE REDUCED CREDIT EXPOSURE and ( XXXX ) THIS WILL REDUCE THEIR RESERVES, ALLOWING THAT MONEY TO BE USED BENEFICIALLY ELSEWHERE. Citibank has requested ( see attached ) letter an onerous amount of information which will cost me in excess of {$10000.00} to produce. Nit only that, they are REQUIRED BY LAW to already know this information in order to provide me with my credit cards in the first place. My request is to REDUCE my credit exposure NOT increase it. My complaint is that Citi appears not to be complying with XXXX laws ( Know Your Customer ) because it MUST know this information already to comply with the laws. My complaint is also that Citi is doing this simply to collect XXXX fees ( XXXX for each card ) rather than XXXX This is happening because Citi has decided to put this request through an automated credit approval process that can not deal with it, rather than doing a manual override. The system only looks at the increase on XXXX card without taking into account account the decrease in the other Citi also dealt with this is the first instance by having a junior and inexperienced girl ( in Citi 's " XXXX Offices '' without authority and experience assigned to it. It did not take my original complaint ( an entirely different one ) seriously.

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 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank charged me with multiple predatory XXXX XXXX XXXX Cash Advance '' Fees on a series of XXXX XXXX deposits made via Apple Pay to a digital wagering account. The bank failed to warn me or notify me about the fees associated with the transaction in advance. Had I been made aware of the implications I would never have explicitly agreed to those terms.

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 2026-07-03 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 filing a complaint against Wells Fargo regarding an open fraud dispute for a multiple unauthorized transactions that accumulated to {$740.00}. This fraudulent charge has drained my account and left me with a negative balance of - {$650.00}. This negative balance is causing severe, immediate financial hardship. The bank has stated I must wait up to 10 days for a provisional credit and refuses to expedite the funds to bring my account back to XXXX, despite this being an active, documented fraud investigation. I am requesting immediate provisional credit for the {$740.00} and a full waiver of any overdraft or insufficient funds fees resulting from this unauthorized activity.

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