vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a Citibank ACH payment of {$2900.00} to XXXX XXXX for ACH fees at XXXX XXXX for XXXX fees for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX. This money was withdrawn from my Citibank account and therefore I assumed that XXXX XXXX received and processed the payment. On XX/XX/XXXX we received a notice that our account had been referred to a collection agency in -pre-lien status for past due payments. This notice did not indicate that the XX/XX/XXXX ACH payment had been received. On XX/XX/XXXX, we filed a dispute with the collection agency. On XX/XX/XXXX, the collection agency formally responded that the HOA agency had never received the XX/XX/XXXX payment. Accordingly, we filed a dispute with Citibank on XX/XX/XXXX. Citibank originally provided a XX/XX/XXXX response date, that was changed to XX/XX/XXXX on XX/XX/XXXX. As of today, the dispute is still open and we are being threatened with filing a lien and losing our home. In order to avoid losing our home, we need an immediate response from Citibank and refunding of {$2900.00} to our account

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 2026-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
" Bank of America is refusing to release a vehicle lien on a vehicle loan that is over XXXX XXXX XXXX. The debt was written off as a loss a decade ago and is completely time-barred under the statute of limitations. Bank of America is holding my title hostage and demanding full payment on an uncollectible, expired debt to release the lien, which violates fair lending practices. I demand a signed Lien Release Letter. ''

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 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Transunion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-07-01 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: IL

Complaint narrative:
XX/XX/year>, Citi Bank lowered credit line subsequently dropping my credit score XXXX pts. Advice was pay down and re-apply for increase. Followed the advice, but XX/XX/year>, credit line dropped again citing credit score. Credit score dropped solely due to actions of Citi Bank which they are justifying additional credit line decreases. As a result of XXXX actions, my credit score dropped XXXX points. No other of my cards take these actions. XXXX, XXXX, XXXX. My credit on time payments are perfect. I feel there is a lack of ethics in Citi 's XXXX actions being used to justify further XXXX actions. These actions would cost me thousands in larger loans for auto or home.

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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a long-time Citibank ( Citibank.com ) customer ( since XXXX. ) On XX/XX/XXXX, I applied for the Citi XXXX XXXX XXXX AAdvantage credit card through a targeted promotional offer for XXXX bonus miles after spending {$3500.00} within XXXX months. My application was immediately approved. The confirmation page stated, Youre all set! and Youre approved. I was even provided a temporary XXXX card number to begin using the account immediately, until my new credit card arrived by mail. At no point during the digital application or approval process was I informed that I was ineligible for the XXXX promotional offer. Relying on this offer and Citi 's immediate approval, I directed my household spending to this card. On XX/XX/XXXX, I surpassed the spending threshold with a balance of {$3800.00}. When I contacted Citibank to confirm the status of my miles, a representative informed me that there was no promotion attached to my account. Citibank later claimed I was ineligible due to receiving a prior account bonus within the last 48 months. My concern is not simply the denial of the bonus. My concern is that Citi already possessed my complete account history and knew, at the exact time of application, whether or not I qualified for the promotional offer. Despite having full access to my records, Citi chose to : Approve the application through the specific promotional link without any warning or disclosure of ineligibility. Encourage immediate use of the card by providing a temporary card number. Allowed me to spend nearly {$4000.00} under the reasonable belief that I was working toward the advertised incentive ( spend {$3500.00} with 4 months ). Had Citi disclosed my ineligibility during the applicationwhen they had the data to do soI would not have applied for the card nor directed thousands of dollars of spending to it. The absence of a " contingent approval '' or an eligibility warning on the " Approved '' screen is a deceptive practice that caused me financial injury through the diversion of my spending. Desired Resolution I request that Citibank honor the advertised XXXX mile offer as I have met the spending requirements in good faith. In addition I have been a loyal customer for the past XXXX years.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I discovered that Wells Fargo increased the monthly service fee on my personal checking account ( account ending in [ XXXX ] ) without providing any prior notice. I did not receive any written letter, email, or account notification informing me of this change, as required under XXXX XXXX XXXX the terms of my XXXX Account XXXX. I attempted XXXX resolve this directly with Wells Fargo by phone on multiple occasions between XX/XX/year> Each time I received a callback, the automated system asked me XXXX press XXXX XXXX confirm I was on the line, XXXX the call immediately disconnected. I was never able XXXX reach a representative. Wells Fargo does not offer a customer-initiated secure message or email option, leaving me with no practical way XXXX resolve this, especially as I am currently traveling outside the United States XXXX Due XXXX this fee increase XXXX the inability XXXX reach customer service, I no longer wish XXXX continue my banking relationship with Wells Fargo.

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 2026-07-01 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:
I am a full-time trader, and my bank account regularly has a high volume of legitimate transactions related to my work. I believe this activity may have caused U.S. Bank to flag my account for a fraud review, although the bank has not confirmed the reason. Without prior notice, U.S. Bank restricted my access to my account and all of the funds in it. I immediately contacted the bank and requested information about the restriction. I asked whether my account was frozen or being closed, the reason for the fraud review, what documentation they needed from me, how long the investigation would take, whether any of my funds could be released, and requested a case number and written explanation. Despite my efforts to cooperate, U.S. Bank has refused to provide meaningful information about why my funds are being withheld, what I need to do to resolve the issue, or when I can expect access to my money. I have not received any written notice explaining the restriction. As a result, I have been left without access to my own funds and without a clear process for resolving the matter. I respectfully request that U.S. Bank provide a written explanation for the restriction, identify any information or documentation they require from me, explain the legal basis for withholding my funds, provide a timeline for completing the review, and promptly restore access to my legitimate funds if there is no lawful basis to continue restricting them.

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
" I am filing a complaint against the debt collection law firm Singer Weissman for violating the FDCPA by using deceptive legal tactics and simulating legal process. This firm previously attempted an unlawful 'Notice of Garnishment ' against me without a valid judgment, which they were forced to remove. They are now attempting to force me to turn over my private banking and employment details using a 'Plaintiff 's Notice of Service of Fact Information Sheet ( Form 1.977 ). ' They are basing this on a XXXX order from a XX/XX/year> XXXX XXXX traffic court infraction case. Traffic court citations do not result in standard civil money judgments and do not utilize Form 1.977. Furthermore, the XXXX deadline on the XXXX order expired over 11 years ago. The firm has filed no Assignment of Judgment or Substitution of Counsel on the record. They are threatening me with civil court discovery mechanisms on an expired traffic ticket to illegally fish for my financial data, which constitutes a clear violation of 15 U.S.C. 1692e. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Cycle Associates, Inc.
State: CA

Complaint narrative:
I explained to this company that they need to contact the XXXX XXXX that requested the ambulance service. I did not request it nor would I pick someone or agree to use someone out of my network. I explained this to the ambulance company as well as this debt collector. They are claiming I owe them {$5800.00} for a XXXX XXXX XXXX. I have explained to them I absolutely can not pay this amount of money. I am working full time just to pay my rent. I barely have food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 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: NBT BANCORP INC.
State: PA

Complaint narrative:
on XX/XX/year> i found this charge on my NBT bank account online, that same day I made a larger charge. this charge was XXXX and it said XXXX XXXX. i did not make the purchase. I called immediately and cancelled card and was told i had to go to bank and open dispute as it was weekend i think, but I did. Then after a day or so I called and asked about the dispute. the woman asked me all these questions if I ever used XXXX XXXX or bought cards from them, i said yes, 2 times for my dad but never this amount, his were XXXX dollar cards. this I did not do. i found out today after calling to check status, they said they concluded it was mine. I said really? How? The XXXX agent told me the reason they did that was because they agent said I never dealt with XXXX XXXX before and it showed I did, Which was a lie ( they record calls too so im sure its there ) i told her yes i had a issue with them once for a card that I bought then they charged me and hours later it still didnt go on my dads card so i thought maybe it was a fraudulent company I bought it from, so I emailed my bank telling them that exactly. after several hours I got ahold of XXXX and they did end up adding it on. so that email, I let go, I did not carry on and dispute it, it was resolved. So now I'm being told oh they are reopening it but it doesnt mean ill get a refund. and also they say in a letter they will give me a document showing how they determined it, but I didnt get one yet but when they send it, I know I did not make the charge and that will show. They back slided back and forth, why they determined it, saying they went off the word or history of 2 times I bought a card and went off an agents word that wasn't true. that's how they determine it. well In closing my account from them and doing business elsewhere. XXXX going to fight for my XXXX dollars too, Meanwhile on the same day I made a XXXX plus dollar transaction for an obituary and just happened to see this charge, as if I would dispute this XXXX dollar charge and not another. please. My card was cut up that day and I had to go file the dispute and get a new card. This is NBT Bank XXXX Pa XXXX.. So unprofessional. They don't even seem to Investigate and they have had several fraudulant charges in the past year. its happened to me at least XXXX or 4 times.

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 2026-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I did my XXXX month trial period for my partial claim XXXX had papers notorized. My XXXX payment defaulted was caused by a court ordered alimony delay. This was an involuntary temporary income disruption. They told me since XXXX was not paid my home is possibly going into forclosure. Is there anything that can be done XXXX stop the forclosure. I have not received any papers about it. The alimony check wasn't mailed out due XXXX not remembering XXXX went on vacation.

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 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please, help me dispute and remove fraudulent inquiries from my credit report, its in muy transunion credit report XXXX-JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I made a wire transfer of {$280000.00} to an account and it was cancelled, my account at Ally bank was locked afterwards causing my funds to be wrongfully held since XX/XX/year> after several calls going back and forth nothing was done and i was told its still under investigation, the investigation days are over yet my account is still blocked or under 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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX ( XXXX ) for predatory loan enforcement and unlawful debt collection practices.I signed a retail installment financing agreement serviced by XXXX to fund future cosmetic treatments with the merchant Ideal Image. I ultimately exercised my consumer right to cancel/not receive the treatments. Consequently, zero services or goods were ever rendered to me under this contract.Furthermore, XXXX XXXX has since completely shut down its corporate operations, making the unexecuted contract physically impossible to ever fulfill. Despite being formally notified that no services were rendered and that the merchant has ceased operations, XXXX has completely failed to investigate the dispute or terminate the contract. Instead, they have unlawfully forwarded an unearned, fraudulent balance to a third-party debt collection agency, TekCollect. Under federal consumer protection lawsincluding the FTCs Holder in Due Course Rulea consumer financing company can not legally enforce a debt or demand payment for a completely unfulfilled contract where zero underlying services were delivered. XXXX is attempting to force me to pay thousands of dollars for empty air, and TekCollect is actively threatening my credit profile over a debt that does not legally exist.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX, XXXX XXXX my BMO digital banking account was completely compromised by an unauthorized third party. The unauthorized individual changed my security credentials, gained access to my funds, and illegally transferred exactly {$1900.00} out of my account without my permission or authorization. When I contacted BMO to report this unauthorized electronic fund transfer, the bank refused to open a fraud dispute, refused to investigate the theft, and informed me that my account was being terminated due to a " high-risk relationship. '' Frontline representatives explicitly told me that I am " not eligible to dispute '' these charges because the bank chose to close the account. Under Federal Regulation E ( 1005.11 ), a financial institution is legally mandated to investigate properly asserted errors regarding unauthorized electronic fund transfers, and the official CFPB guidance explicitly states that this obligation remains active even if the account has been closed. BMO is actively denying my federal consumer rights by refusing to accept or log my fraud dispute for the stolen {$1900.00}. I am requesting that the CFPB compel BMO to immediately open a formal Regulation E investigation into the unauthorized {$1900.00} transfer and credit my stolen funds back to me as required by law. I am fully cooperative and have a police report case number ready to provide to the bank 's XXXX review team.

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 2026-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Subject : Complaint Against Ally Bank Denial of Access to My Deposit Account and Funds I am filing a formal complaint against Ally Bank regarding my inability to access my deposit account and my own funds. I am a XXXX senior citizen and have been locked out of my Ally Bank account after I was unable to remember my password. When I attempted to reset my password using Allys website, the password reset process did not work properly. Since that time, I have spent many hours on the telephone with Ally Bank representatives. During multiple calls, I have been transferred, placed on lengthy holds, repeatedly asked to answer extensive security questions, and required to complete numerous identity verification procedures. Despite fully cooperating, my account remains blocked, and I still can not access my money. I have been told that I must wait one to two business days for someone to call me back. This is unacceptable given that I am unable to access my own funds and no one has been able to tell me why my account remains inaccessible or when this matter will be resolved. This situation has caused me significant financial hardshipXXXX XXXX XXXX XXXX. I depend on access to my money for my daily living expenses and other financial obligations. I believe Ally Bank has failed to provide timely and effective customer service or a reasonable means of restoring my access to my account. I respectfully request that Ally Bank : 1. Immediately restore my access to my account. 2. Provide a clear explanation for why my account was blocked. 3. Assign an experienced Account Specialist or Executive Customer Care representative to contact me without further delay. 4. Review Ally Banks procedures for assisting customers who become locked out of their accounts so that other consumers do not experience similar hardships. I appreciate your prompt attention to this matter and request that this complaint be investigated as quickly as possible.

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