vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation ( Account # XXXX ) regarding a retail installment contract for a XXXX XXXX XXXX ( XXXX : XXXX ) purchased from XXXX XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX. The loan terms are XXXX payments of {$360.00} at 20.49 % APR, total of payments {$23000.00}, on a vehicle with a fair market value of approximately $ XXXX {$8000.00}. Credit Acceptance Corporation financed this transaction knowing it included the following problematic items bundled into the amount financed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1800.00} ) that contains a pre-existing condition exclusion ( Section XXXX, Exclusion XXXX ) - making it unable to cover the vehicle 's known primary defect ( XXXX system failure requiring {$1400.00} fuel tank replacement XXXX $ for everything else included which the dealer paid for post-sale ). XXXX. A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that was never registered with XXXX. When I called XXXX for coverage, they could not locate any record associated with my VIN. I recorded this call. XXXX. XXXX coverage ( {$1200.00} ) through XXXX XXXX Administrators on a vehicle financed at approximately XXXX its market value. The retail installment contract contains the FTC XXXX XXXX notice ( 16 C.F.R. & 433.2 ), which states : " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO. '' This makes Credit Acceptance liable for the dealer 's deceptive practices. The dealer committed multiple violations including concealment of known defects, a fraudulent PA safety inspection, FTC Buyers Guide violations ( warranty box checked, all terms blank ), and sale of warranty products that were either unregistered or contractually unable to cover known defects. I sent a certified demand letter to both the dealer and Credit Acceptance on XX/XX/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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is withholding my official state government payroll check from the Illinois Department of Human Services ( IDHS ) for {$2800.00}, which was mobile deposited on Friday XX/XX/year>. The app placed an 'Available Balance Notice ' hold until XX/XX/XXXX. A Citibank supervisor explicitly instructed me to contact the bank today, XX/XX/XXXX, to have the hold lifted. However, front-line representatives are now refusing to honor this promise, stating they lack system access. Under Regulation CC, government-issued checks should receive expedited availability. This arbitrary hold on a verified state payroll check is causing immediate financial hardship. I request an immediate manual review and release of my funds by Citibank 's risk management 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 explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Result of identity theft I try to resolve the debt so I can just move on with my life even if the debt didnt belong to me. They have made it XXXX on earth. I need this collection to be remove off my credit I have no acknowledgment of it. I sent certified letters and did what is needed Procollect for {$8400.00} this is insane 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I put my work check in the atm. They did accept my check but gave me half of my check and closed out my account after

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
procollect debt showing in the amount of {$8100.00} which i never signed nor would i be eligible for a apartment they have also reported this debt i have try XXXX dispute it several times XXXX during the year i was an underaged student not working no way i can assume a lease

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 — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I attempted XXXX phone calls and an online message. Citi posted my payment of XXXX to my husbands Best Buy card instead of my card ending in XXXX. When I called they said XXXX things - I put the wrong account number in the memo field and that my husband would need to authorize removing it from his acct. I explained over and over that the memo had MY acct number and was sent in with my statement. They refused to correct it without speaking to the other acct holder, which in this case is my husband. The check copy shows my acct no on the check. Citi needs to fix it.

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo advertised a 0 % APR Balance Transfer Offer specifically promoting balance transfers as a key feature. I applied for this card based on this advertisement. Wells Fargo approved me immediately without requesting income verification at that time. I then completed a balance transfer of approximately {$5000.00} in early XX/XX/year>, which was the exact purpose of the advertised offer. The transfer posted successfully to my account at 0 % APR for 21 months. Immediately after the balance transfer posted, Wells Fargo restricted my account and sent a letter ( dated XX/XX/year> ) claiming the balance transfer was suspicious activity and demanding income verification. They set an artificial deadline of XX/XX/year> less than 30 days to provide Form 4506-C or they would close my account. This is a bait-and-switch scheme : Wells Fargo advertised balance transfers , approved me without verification, let me complete the transfer, and THEN claimed the advertised feature was suspicious to trap me into either ( 1 ) missing the deadline so they can end the 0 % and charge 28.24 % interest, or ( 2 ) complying with impossible documentation requests. The timing is clearly intentional. If I miss the XX/XX/XXXX deadline, the 0 % APR ends and Im charged regular interest on {$5000.00} generating thousands in profit for Wells Fargo from a customer who did exactly what they advertised.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by ProCollect Inc that does not belong XXXX me. This account is being reported as a telecommunications-related debt associated with XXXX XXXX XXXX However, the identifying information tied XXXX this account does not match my identity XXXX can not be properly verified. I requested validation of this debt, including documentation proving that this account belongs XXXX me and confirming accurate identifying information. ProCollect failed XXXX provide any such documentation. Despite the lack of verification, this account continues XXXX be reported on my credit file. Reporting a debt without proper identity verification is inaccurate XXXX indicates a failure XXXX ensure maximum possible accuracy. This appears XXXX be a mixed file or identity misattribution issue. This account is not mine XXXX has been incorrectly associated with my credit file. Continued reporting under these conditions constitutes violations of the Fair Credit Reporting Act ( FCRA ) XXXX the Fair Debt Collection Practices Act ( FDCPA ).

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 — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
this XX/XX/XXXX collection was calling me on my phone and i didnt answer their call because it was not in my phone book and a lot of offer and scam was calling me. But the collection company didnt even tried to text me or email me about their reason of their call. Then i on my credit report that i got reported as derogatory thats how i knew i have owe with the XXXX fee back in XX/XX/XXXX. That time i also have health insurance and as per my insurance no claim was received from that provider who charge me XXXX plus for just XXXX consult. I didnt received any bills or even tried calling me or text me or email me about consultation fee that was due. i tried many time to contact the provider to direct him to my insurance but i couldn't get hold of him.

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Hometap Equity Partners, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I entered into a Hometap home equity investment / equity-share option agreement. Hometap advanced {$25000.00} gross, and I received {$24000.00} net after fees and costs. The agreement states that it is not a loan and that the investment amount does not accrue interest, but it is secured by recorded instruments against my home and affects my ability to refinance, obtain a HELOC/home equity loan, and clear title. I recently requested settlement/payoff information because I am considering paying off Hometap. Hometap stated that it used an Automated Valuation Model ( AVM ) and valued my home at {$330000.00}. Based on that AVM, Hometap stated that my settlement amount good through XX/XX/XXXX is {$59000.00}. I have not agreed to the AVM value. I requested the AVM report, valuation support, full Hometap Share calculation, full Hometap Cap calculation, and confirmation whether a physical appraisal could increase or decrease the payoff. I am still waiting for the full supporting calculation. My concern is that the payoff appears extremely high compared with the amount received and time elapsed. Hometap says this is not a loan and no interest accrues, but the agreement uses a cap described as a maximum 20 % annualized rate of return on the investment amount. The product appears to function economically like high-cost, home-secured financing while being described as not a loan and not interest-bearing. I am asking for help because I need a clear payoff calculation, valuation support, and fair review before I am forced to accept a payoff that may be excessive or misleading.

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: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account was closed by Wells Fargo approximately XXXX years ago following a compliance review. I have never received the final check with my remaining balance. I have already contacted the bank via email providing my case reference number : XXXX, but I received no response. I have also verified that these funds have not yet been transferred to the Unclaimed Property divisions of Florida or California, meaning Wells Fargo is still holding my money. I request Wells Fargo to immediately re-issue my remaining balance via a Cashier 's Check and mail it to my designated reference address in XXXX XXXX, Florida, which I will provide securely in the next step.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NV

Complaint narrative:
A merchant fraudulently took money out of my account because they had my debit card on file so I filed a fraud claim with us bank and they did not investigate it at all and just put the case in a resolved status without recovering my stolen funds or investigating the claim which my money should be FDIC insured required by law for all unauthorized transactions and in a email they sent me after filing the claim stated that I wouldnt be held accountable for unauthorized transactions On XX/XX/year> the claim was filed and they moved it to a resolved status within 3 business days without investigating the claim at all Last XXXX of Account number : XXXX Claim number : XXXX Total amount fraudulently token out my account : {$770.00}

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 explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
As a consumer I paid {$600.00} to somebody for a product. It turns out they were scammers. I never received the product I paid for. I paid {$600.00} through XXXX to the seller. On XX/XX/year> confirmation number XXXX. XXXX ( the seller ) told me his side rejected the payment. He sent me a screen shot showing the bank rejected it on his end. He told me I would get it back since it was rejected. A few days later I told him I hadnt gotten it back yet. He told me of if I gave him {$200.00} through XXXX XXXX he would send the seats because {$200.00} would cover shipping and I could pay him the other {$400.00} when I got my refund. I agreed and paid {$200.00} through XXXX XXXX on Friday XX/XX/year> reference id XXXX. After I paid the {$200.00} the seller gave me a tracking number linked to XXXX ( XXXX XXXX XXXX ). Come to find out, this is as scam delivery business. The seller told me the shipment was pending until I paid then the rest of the money. This Is when I realized it was a scam. I contacted Arvest to see about cancelling. They are denying everything I try to do. I got scammed out of a total of {$800.00} and Arvest isnt helping at all. I contacted XXXX XXXX and they did an investigation and found the person is a scammer and they suspended their account. I also called XXXX, XXXX told me they actually suspended the account a couple days ago due to fraudulent activity. I reported the business to XXXX as scammers. They have multiple businesses with the same address and there are many reports online about them being scammers. The only people that wont help is my bank Arvest.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
My mortgage servicer, Truist Bank, failed to pay my homeowners insurance premium from my escrow account. My mortgage includes escrow for homeowners/hazard insurance, and I have been making my required mortgage payments including escrow. I received a notice from my insurance carrier stating that my homeowners insurance policy was cancelled for nonpayment. This appears to be a mortgage servicing and escrow disbursement error. Truist was responsible for timely payment of the insurance premium from escrow. Because of Truists failure, I am at risk of a lapse in homeowners insurance, reinstatement fees, increased premiums, force-placed insurance, and other damages. I want Truist to immediately pay the insurance carrier, reinstate the policy retroactively with no lapse in coverage, provide written proof of payment, reimburse or waive any fees or costs caused by the error, prevent any force-placed insurance charges, and provide a complete written explanation and escrow payment history showing why the premium was not paid on time.

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: 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: CT

Complaint narrative:
I initially made a dispute on XX/XX/XXXX that XXXX XXXX has disappeared and I am unable to contact them. I emailed them for confirmation of my vacation rental in XX/XX/XXXX. They did not respond to my emails. I attempted to go on their website but it is no longer active. So I contacted Citibank with my dispute. They requested I fill out a form on XX/XX/XXXX. I called the dispute center to ask if they wanted the emails I had sent also which they said no. I sent the form back in on XX/XX/XXXX. I called the dispute center on XX/XX/XXXX and they said it had been logged in incorrectly. On XX/XX/XXXX I emailed the credit card company all the emails and defunct website along with the original requested form. On XX/XX/XXXX I was emailed that the dispute was resolved and I was responsible for the charge. I called the dispute center and was told the bank denied my dispute on XX/XX/XXXX claiming I didn't provide information. I called customer service requesting the email to send this to the dispute escalation department and they bounce my email- see attached. I explicitly provided all receipts and proof of merchant disappearance on XX/XX/XXXX. The bank is violating XXXX 's 540-day 'Services Not Rendered ' protection rule.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
It began when Wells Fargo removed access to my online account and to this day refuse to restore that access. Forcing me to make inconvenient XXXXXXXX payments over the telephone. As a result " secondary retry '' attempt permissions and authorization were EXPLICITLY REVOKED. A XXXX payment means a XXXX attempt. Recently a XXXX payment was declined due to insufficient funds and I was advised to make funds available and to resubmit the payment. I did this. The payment was successful. Then Wells Fargo decided to BREACH the revoked permission and issued a retry payment with XXXX notification or authorization. This resulted in {$1000.00} being taken from my bank account, money that was necessary for paying rent. This is also a breach of Regulation XXXX A dispute has been raised with my bank, a complaint filed with XXXX and now this one with CFPB. I attempted to raise a complaint with Wells Fargo and they ended the call with XXXX RESOLUTION XXXX times now Rent will now be late as a result of this unauthorized transaction and I will be facing daily fines until the rent is paid, with the possibility of eviction. Wells Fargo is directly responsible for this action and I am seeking redress for this action.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Back in XX/XX/year> I was contacted by XXXX management when I left my apartment I responded XXXX them XXXX send it the video of how my apartment looked when I left. They did not respond XXXX still proceeded XXXX put the collection on my credit XXXX then sold it XXXX another creditor XXXX I responded XXXX them they did not respond XXXX me, XXXX I would like XXXX have this taken off of my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, multiple unauthorized purchases were made on my Wells Fargo debit card ( ending in XXXX ) to XXXX without my permission or knowledge. The fraudulent transactions are : XX/XX/XXXX : {$3200.00} ( XXXX ) XX/XX/XXXX : {$1700.00} ( XXXX ) XX/XX/XXXX : {$2500.00} ( XXXX ) XX/XX/XXXX : {$1300.00} ( XXXX ) XX/XX/XXXX : {$1300.00} ( XXXX ) Total fraudulent amount : {$10000.00} I contacted Wells Fargo on XX/XX/XXXX to dispute these charges. The phones were returned to XXXX via XXXX on XX/XX/XXXX ( Tracking number : XXXX ). Despite the merchandise being returned, XXXX has refused to issue any refund. Wells Fargo closed my dispute and has refused to reopen it. I am requesting a full refund of all fraudulent charges back to my original debit card. I have provided all transaction details, XXXX tracking confirmation, and other supporting evidence.

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