vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I withdrew {$200.00} cash from my Wells Fargo checking account. The account had a {$1500.00} starting balance. On the same day, within a few hours, I transferred {$200.00} from another checking account ( with XXXX XXXX XXXX ) to the Wells Fargo account. Based on a couple of previous incidents, I was under the impression that I needed to maintain a monthly average balance of {$1500.00} to avoid a fee. I expect the immediate transfer, as well as the {$1500.00} starting balance, to prevent any fee. On XX/XX/year>, I noticed my account was charged a {$15.00} fee. I spoke to a representative over the phone and escalated the complaint to another department at Wells Fargo. They informed me that the minimum account balance was assessed daily ( which did not align with my understanding based on the previous conversations I had with agents over the phone at Wells Fargo ) and they did not provide any detail on how my immediate transfer did not negate the fee. Based on the negative experience I had, I chose to close my checking account effective XX/XX/year>. I have several issues with the way Wells Fargo handled this issue : XXXX ) The original minimum account balance increase was not properly communicated. I have no recollection of receiving any communication that informed me of the increase in minimum balance from {$500.00} to {$1500.00} until I noticed I was assessed fees for a couple of months in a row. XXXX ) The communication from support agents was poor and misleading at times. I was under the impression, based on the conversations I had with support agents, that the fee would be assessed as a monthly average ; in fact, I recall an agent advising me to have a bit of a buffer above the {$1500.00} minimum, which I presumed was so that the monthly average calculation would be favorable XXXX ) The bank did not recognize my transfer as replenishing the daily minimum. XXXX ) The bank never offered, in this most recent incident, to reimburse the fee, which they had graciously reimbursed in previous instances XXXX ) The overall minimum account balance feels predatory and burdensome for most consumers. I would imagine many consumers do not typically maintain more than {$1500.00} in an account and I think it is predatory to assess a {$15.00} fee as soon as a daily balance figure dips below that

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

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 * XXXX 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 explanation
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: TekCollect Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my XXXX report for Tek Collect in the amount of {$2300.00}. I have reached out to the merchant and credit bureau to be resolved with no update in this matter. I requested that the inaccurate information be removed in reference to the FCRA.

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 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt from Barclays Bank, Delaware. This debt was not mine. I am a victim of identity 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 2026-07-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding my Synchrony Bank Sam 's Club credit card. I called customer service, and a representative explicitly told me that my account balance is now {$0.00}. However, when I try to call back to confirm how this is being reported to my credit file and whether the tradeline is being deleted, Synchronys automated system refuses to route me to a live human and disconnects my calls. All calls are stated to be recorded for quality assurance. I am demanding that Synchrony 's compliance team pull the audio recordings of my recent call where the agent confirmed the {$0.00} balance. I want a formal, written statement explaining why my balance is {$0.00}, who currently owns this debt, and a directive to completely delete this negative tradeline from XXXX 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 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: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX I'm making extra payments to pay off the loan sooner but they are saying that the payment wasn't posted until XX/XX/XXXX when it shows on the account and from my bank that it was posted on XX/XX/XXXX. I've contacted them several times and they refuse to refund the late fee. This also happen on XX/XX/XXXX and they credited that XXXX back, but now they've applied another one and refuse to refund it so I'm being charged a late fee on an extra payment. Below is copied from my account with Northwest Bank XX/XX/XXXX Regular Payment Effective Date PRINCIPAL ( {$520.00} ) INTEREST ( {$7.00} ) - {$530.00} {$520.00} {$7.00} {$9700.00} Transaction Details Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Type Loan Payment Principal Amount {$520.00} Interest Amount {$7.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I stopped at the Wells Fargo ATM at the XXXX XXXX, XXXX XXXX XXXXXXXX. I proceeded to deposit a check in the amount of {$3600.00} into my checking account. I had just received this check the day before because I withdrew from my XXXX to cover important expenses. When I inserted the check into the ATM the machine kept pending and wouldn't move forward to give me a receipt. Due to the amount of time it was taking I figured something was wrong so I hit the cancel button. The ATM returned my card, never deposited the check and never returned my check. I could not go into the bank because it was closed until XXXX XXXX. There was cars behind me so I was panicking and moved my car forward out of the way and called the banks XXXX number. Once I got a live agent on the line they filed a claim and told me it would take XXXX business days. I told them I don't have XXXX business days and I withdrew this money from my XXXX for an emergency. They refused to credit the money back to me until the investigation was done, which is something they would normally due under these circumstances. When I as able to talk to an employee once the branch opened up at XXXX XXXX she was very rude and gave me attitude and told me to just have whomever wrote the check to cancel and and write another one which is something you can do when getting a XXXX check. Wells Fargo ATM machine stole {$3600.00} from me and the refuse to expedite this process. I shouldn't have to wait 10 days to pay my bills, get gas, or put food on my table for their incompetence. There should be procedures in place when something like this happens. I would never recommend anyone using a banks ATM if I knew prior this sort of thing could happen, and that they don't care about their customers and are handling it so poorly. If my account was in the negative they wouldn't wait XXXX business days to charge me an overdraft fee. We have multiple accounts with then and have been banking with them for over 20 years, really disappointing in the customer service and way of handling things.

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 — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello. I have an active loan with XXXX XXXX that is in great standing and have had it for 3 months. Recently ( on XX/XX/year> ) I received a credit alert that they ran a hard pull on my credit. I did not authorize this and I did not receive any notice that this was coming. I asked for an explanation, and was ignored and given the run around. I asked for a contact as well as email address, and was still ignored and hung up on. I need an explanation why this happened, and I will be seeking damages as I did not authorize this.

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: 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: CA

Complaint narrative:
I am filing a complaint against Citibank regarding a denied billing dispute ( Case Number : XXXX ) for {$4100.00} involving the merchant " XXXXXXXX XXXX XXXXXXXX. '' This merchant engaged in a predatory timeshare resale scheme, charging me a massive upfront fee under the verbal promise that they would market and sell my timeshare. Since taking my money, the merchant has completely ghosted me. They have failed to provide any proof of service, have not marketed the timeshare, and have completely ignored all of my attempts to communicate or get an update. Citibank issued a generic denial stating they could not find a billing error. However, this is a clear case of gross merchant misrepresentation and complete failure to render services. To prove the validity of my claim, a second credit card company investigated the exact same merchant for a separate portion of this transaction and ruled in my favor, issuing a full refund. Citibank has failed to properly investigate this merchant 's fraudulent behavior, holding me liable for {$4100.00} for services never received. I am requesting that Citibank 's executive office reopen this case, review my evidence, and reverse this charge completely.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I tried to change my address phone # XXXX never went through. I called XXXX the verification for USAA IS IN THE DARK AGES. NO PHOTOS NO DRIVER LICENSE VERIFICATION NOTHONG XXXX I CANT WALK INTO THE BANK. I HAVE WORKED ON THIS WHOCH IS DIFFICULT BC OF MY XXXX XXXX TNP XXXX A XXXX XXXX ON MY BRAIN STEM. XXXX CHANGING BANKS .. XXXX XXXX. BUT THAT TAKES 5 DAYS. SOME INDEPENDENCE DAY THIS IS GON NA BE. I HAVE WORKED FOR XXXX WEEKS WITH USAA ONLY TO FIND OUT THEY ARE INEPT XXXX STONEAGED! XXXX XXXX FIXES IN XXXX MIN THAY USAA NEVER COULD XXXX KEEPS MY PURCHASES ON XXXX XXXX XXXX XXXX VOID. XXXX OF USAA. I HAVE XXXX IN MY ACCOUNT XXXX CAN ONLY XXXX DEBIT CARD PHYSICALLY NOT ON WEB PURCHASES? XXXX % XXXX XXXX A SHUT IN WITH XXXX LARGE DOGS THAT I COULDN'T LEAVE IF I TRIED XXXX USAA IS KEEPING ME FROM BIYING ANYTHING ONLINE EVEN THOUGH I HAVE XXXX IN BANK ACCOUNT. THESE PPL DONT CARE THEY HAVE MY MONEY BUT WONT LET ME USE it ON LINE. THEY ARE DARK AGED GREEDY POS THAT NEED SERIOUS CORRECTION XXXX FINES!

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: False statements or representation — Indicated you were committing crime by not paying debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
In complaint XXXX, Renton Collection LLC , claimed : " The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within XXXX days from the date we sent your complaint to the company. '' and " XXXX mentioned in this consumers previous complaint-we will Validate the account-we are awaiting the documents from our client and once received will send the validation of account ( XXXX ). During this period we will not contact the consumer This proves that Renton Colletion LLC did not have proper documentaion to initiall send out collection letter XXXX as they did not have proper paperwork I wiill be seaking civial and criminal acttion for this violaintion of Washing state law.

Company public response: Company disputes the facts presented in the complaint
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: 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: VA

Complaint narrative:
I looked at my XXXX XXXX XXXX account and saw that Citi Bank had deposited {$15000.00}. into my checking account on XX/XX/XXXX and called it a flex loan, which I had not applied for. I contacted CitiBank when I discovered the transaction on XX/XX/XXXX. I talked to XXXX at XXXX who said I should just pay off the loan and then I called back and talked to XXXX XXXX XXXX who said that they would reverse the loan. I have called back a week later and still nothing has been done to reverse the loan. I was told that it would be turned over to claims and investigation and they would get back to me within XXXX days.

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 2026-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
a collection account ( Account # XXXX ) was placed on my credit report by IC System on behalf of XXXX XXXX XXXX, reporting to both Experian and TransUnion. I discovered this collection in XX/XX/year>. I do not own a pet and have never had any account, contract, or financial relationship with XXXX XXXX XXXX. This debt does not belong to me. I sent IC System a written request for validation of this debt, including a request for documentation proving the account belongs to me. As of the date of this complaint, IC System has not responded to my request or provided any validation of the debt. Despite failing to validate this debt or respond to my dispute, IC System has continued to report this collection account on my Experian and TransUnion credit reports, which has negatively impacted my credit standing. This conduct appears to constitute debt parking placing an unverified, disputed debt on a consumers credit report without following proper validation procedures, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This all started back in XXXX when they restricted my account. My account has been in this state ever since and no one, and I mean NO ONE will help me resolve this issue. I paid off this card and had a {$0.00} balance until one of the merchants that I used issued me a refund of {$200.00}. Now I have a balance of - {$200.00} and would like a refund check sent to me in that amount to my address on file OR reverse the refund so that it goes back to the merchant so that I can deal with them directly instead of Citibank. Citibank has NO right to those funds and should not be holding my money hostage. I've contacted them numerous times with no help whatsoever. All I am asking is for them to issued me a refund check and CLOSE my account or REVERSE the refund so that it goes back to the merchant. Every time I call, they refuse to assist me and hang up. As this point, I don't care about this account but I do want my money back that is owed to me. No one should have to go through this much trouble. This is absolutely unacceptable. One final note, they are using some third party, outdated system for there so call fraud alerts which does not have my current, correct, updated personal address information. What ever verification letter they continue to send to me, I NEVER receive! They are most likely using an old address that I am no longer associated with so I never receive this ghost letter they keep saying they sent. The address on my credit reports and the address on my account is the correct address. Again, this is absolutely unacceptable for any company to behave like this. PLEASE HELP!!!

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I transferred {$2000.00} to XXXX through the Abound remittance app under the assurance it would arrive within XXXX working days ; however, the funds were not credited until XX/XX/year>. I desperately needed that money for a time-sensitive investment opportunity, which I ultimately missed due to this XXXX delay. Abound failed to resolve my issue on time and took their own sweet time to process the transaction, causing me a direct financial loss of {$1000.00} in missed profit

Company public response: Company believes the complaint is the result of a misunderstanding
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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
My account has been restricted since XX/XX/year>. I already submitted documents needed so they can update my contact information which was successful but now they have restricted my account AGAIN by not letting me use my card. They have my documents on file. Everytime I call their useless supervisors all they say is they will escalate it but nothing happens. Please help me XXXX restrict my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: CT

Complaint narrative:
I am filing a complaint against First National Collection Bureau , Inc. regarding an alleged debt of {$7800.00}, which I dispute and do not recognize. At least one collection letter was sent to a workplace address where I am no longer employed. I did not provide or authorize this workplace as a valid contact address. A staff member at that workplace opened the letter, and it was clear that it was a debt collection notice. This exposed my private financial information to a third party. I have been informed that additional letters may have been sent to that location, but I have only personally confirmed receipt of one. I did not consent to being contacted at any workplace. I consider this to be improper third-party disclosure and inappropriate communication practices. I dispute the validity of this debt and request full validation, including documentation that the debt belongs to me and that the company has the legal right to collect it. I also request that all communication be conducted in writing only and that no contact be made to any workplace. I am requesting investigation into this matter and appropriate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation