vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 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:
I paid my Wells Fargo credit card to {$0.00} in XXXX XXXX confirmed the XXXX balance, and then closed the account. After the account was closed, Wells Fargo first added a new balance of {$770.00} and then increased it to XXXX, including $ XXXX interest, even though their own statement for that period shows no charges or credits and no transactions. This balance did not exist before closure and appeared only afterward. I submitted a written billing error dispute by certified mail requesting a transaction- level ledger and the interest calculation worksheet and documentation showing how the balance was created. Wells Fargo responded twice but did not provide any of the required documentation. I am requesting CFPB assistance to obtain the ledger the interest calculation worksheet and proof of how the {$810.00} balance was created. If Wells Fargo can not provide documentation supporting this balance, I request that it be removed and that Wells Fargo confirm no negative credit reporting or collection activity will occur

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 2026-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America branch staff refused to verify a {$42000.00} personal injury settlement check at the counter and forced me to use the ATM. The bank partially released funds, then clawed them back. The branch manager just dismissed me, refused to look into the system stating I don't have an appointment, and gave conflicting information calling it 'invalid ' and 'NSF ' without providing documentation. The bank was withholding my legal settlement records and refusing to communicate. I got a letter stating it was an invalid check and will be mailed to me in 10 business 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 explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I paid this loan account off in full on XXXX XXXX XXXX with a payment of {$610.00} ( proof on bank statement and moneylion documentation attached ). Moneylion chose to report the acvount as delinquent and charge off the loan that same day, XXXX XXXX XXXX, knowing full well that the loan was paid off at the time. I have disputee this with XXXX, Moneylion, XXXX XXXX XXXX During calls with MoneyLion on XX/XX/XXXXXXXX XXXX XXXX I called XXXX ( the dispute letter response they provided, did not acknowledge the charge off at all, and it gave me an incorrect number to follow up with XXXX ) ; that first call hung up on me after I have them my information. The second call at XXXX XXXX lasted approximately 3 minutes 18 seconds. The Moneylion rep 's line kept going in and out and he said he would cal me back. MoneyLion then called me back from XXXX at XXXXXXXX XXXX. I asked him if the line was still being recorded, and he claimed that it was ; that callback lasted approximately 48 minutes 8 seconds. At the end the line " went in and out again '' after I insisteed he provide a charge off date prior to my payment date to justify the charge off, but he could not. He also admitted that the XXXX XXXX XXXX deliquency date and charge off date they reported was false. During the call, their representative confirmed their internal chargeoff date was XXXX XXXX XXXX and was unable to provide any earlier chargeoff decision date or supporting documentation. If their documented decision to charge off this account occurred before XXXX XXXX XXXX, they need to provide that exact decision date and copies of any internal documentation and the mailed notice ( include the mailing date and a copy of the letter on company letterhead ). If they can not produce documentation showing the chargeoff decision predates my payoff, they must immediately : 1. Correct their internal account records to remove any chargeoff notation for this account ; 2. Notify all consumer reporting agencies to delete or correct the Charged Off status and chargeoff date they furnished ; and 3. Provide me written confirmation within 30 days that they have corrected their records and notified the credit bureaus ( include the names of the bureaus and the dates they notified them ). Attached : proof of payment ( bank statement / payment confirmation ) and credit report page showing XXXX XXXX XXXX chargeoff and delinquency reported. Money lion proof of XXXX XXXX XXXXXX/XX/XXXX payment.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/year>, I spoke with an Ally representative named XXXX about repeated restrictions and lockouts on my accounts. Early in the call, XXXX stated that restrictions had been placed on my savings account and that they had been removed. He sounded putout and inconvenienced by my questions, though he remained technically polite at that stage. Later, he said that restrictions on the account have been lifted. When he tried to move on, I stopped him to ask for specific clarification : I asked whether he meant that all restrictions had been removed or only the onlineaccess portion, because his wording was vague and I needed to know exactly what had changed. Instead of giving a clear, straightforward answer, XXXX became aggressive and confrontational. Throughout the call he repeatedly talked over me, but he took offense when I asked detailed questions about his statement that the restrictions were lifted, and his tone escalated sharply. The call was recorded, and I expect Ally and the regulators to review that recording. XXXX did not refuse to escalate, but said he couldnt find anyone to escalate to and would instead send an email internally. I explicitly told him I would prefer to wait on hold and speak to someone with actual authority to resolve the problem. Despite that, I was left with no supervisor, no clear explanation of what restrictions existed or had been removed, and no real path to resolution. I also want to be very clear that I do not consent to Ally creating a new account number or shutting down my existing account as a solution to these problems. XXXX attempted to move the conversation in that direction, effectively initiating the idea that my account should be closed and a new one opened. This would force me into days of administrative work updating checks, payees, and linked services, when I have done nothing wrong and the underlying misconduct originated with Allys partner and Allys own handling of my account. I explicitly told XXXX that I do not agree to more administrative work caused by Allys mistakes and that I need my existing account to remain open and fully functional. Allys push toward forced closure and a new account number over my objection is unacceptable and is part of the harm I am asking CFPB to address.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I attempted to open a MoneyLion Spend checking account but encountered an error during the automated identity verification process. I reached out to customer support because the system locked me out, but I could not reach a front-line agent who was able to manually verify my ID to resolve the error. Crucially, MoneyLion customer support WAS able to successfully manually verify my legal identity and ID to approve me for their XXXX feature. However, they flatly refused to provide the same manual verification or clear the block for the MoneyLion Spend checking account. As shown in the attached email ( XXXX ), they stated : " For security reasons, we are unable to manually verify your account. '' It is an unfair and contradictory practice to deny me access to a banking account based on an automated verification error on their end, especially when they have already successfully verified my identity for another feature on their exact same platform. I am requesting that MoneyLions compliance team clear this backend system error so I can complete my account opening. 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 2026-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: MD

Complaint narrative:
I am filing this complaint against Summit A * R ( XXXX XXXX XXXX regarding a collections account they are reporting on behalf of XXXX XXXX XXXX XXXX XXXX for {$500.00}. This debt stems from a disputed rental car damage claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own XXXX XXXX is dated XX/XX/year> XXXX days before I returned the vehicle on XX/XX/year>. That same document shows their employee signed off stating " No Issues '' and " XXXX XXXX. '' XXXX has admitted in writing they do not photograph vehicles at checkout. Additionally, I have located a XXXX automated email dated XX/XX/year> stating they contacted me about damage " after you returned the vehicle. '' I had not returned the vehicle on XX/XX/XXXX. This proves either the damage was pre-existing or XXXX 's automated system generates damage claims before returns occur. No inspection was conducted in my presence at return. I was not notified of damage until 17 days after return. I disputed the claim in writing to XXXX immediately. I also reported this to my insurer XXXX ( Claim # XXXX ) in XX/XX/year> and was led to believe it was being handled. XXXX never communicated any outcome. Summit AR is collecting and reporting a debt that has no valid foundation, based on documents that contradict the underlying claim. I have sent Summit AR a debt validation letter via certified mail and am demanding they cease all collection activity and retract all credit bureau reporting pending proper validation. I am requesting the CFPB require Summit A * R to validate this debt or withdraw the collection and remove all negative credit bureau reporting immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A cheque was written to pay back a credit card to citi Bank end of XXXX XXXX for {$2500.00} I received my bank statement and realized that the amount was not cashed by the bank. I called city bank on multiple occasions, I have the call log, the first time was XXXX, but finally got through on XXXX. I spoke to an agent, she looked at my statement and reassured me that nothing was wrong. The following months statement arrives and I still see that the card was not paid off, so I went to the bank and spoke to an agent and I filed a forgery complaint XXXX She said it was mail fraud and the check had been stolen and cashed by someone else. I was told the cheque was probably taken out of my mailbox when I mailed it. I got a copy of the cheque and its clearly fraud. It wasnt my writing or signature. The claim was denied based on the rule that I didnt file a complaint within the 30 day limit. Which is not true, as I called the first time within three weeks of seeing my statement, but the agent had failed to identify the fraud. The banks clerks failure to flag the fraud when I first reported my concerns shows that the bank was negligent and voids the deadline argument

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 2026-06-30 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: Freedom Mortgage Company
State: WY

Complaint narrative:
My husband lost his job back in XXXX. We paid XXXX and part of XXXX before Freedom Mortgage gave us a forbearance from XXXX XXXX XXXX. However every time I tried to make any sort of payment it would not let me pay anything less than {$5400.00}. When my husband or I would try and call it said a short hold time but wed be on hold for hours and got to the point we had to get off the phone so we could go back to work or get our daily life stuff done. I emailed the person who said to contact him directly during this forbearance but never got a response. I contacted a higher up in Freedom mortgage about all this and trying to set up payments again to Every other Friday at an amount of {$1200.00} which would get us caught up by end of year next year but havent gotten a response. When we do get through after being on hold for hours, my husband was told to call at the end of the month. No one was willing to help us, set up a payment or give us options after the forbearance ends. It appears that Freedom mortgage has no interest in helping us keep our home or even give us options which is pretty evil and unprofessional.

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 2026-06-30 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: U.S. BANCORP
State: NY

Complaint narrative:
I opened a US Bank credit card account and made two payments using my Chase checking account through US Bank 's online payment system. The checking account was linked and verified using XXXX, which U.S. Bank uses to authenticate external bank accounts. Both payments were successfully debited from my XXXX checking account and credited to my U.S. Bank credit card account. On XX/XX/year>, U.S. Bank locked and closed my credit card account, stating that it was " unable to determine '' that I was the owner and/or authorized agent of the Demand Deposit Account ( DDA ) used to make payments. I believe this determination is incorrect. The checking account belongs to me, and it was verified through XXXX during U.S. Bank 's payment setup process. After receiving the notice, I provided a copy of my XXXX bank statement showing the payment to U.S. Bank and confirming that I am the owner of the checking account. This was done on XX/XX/year>. I requested that U.S. Bank explain why it concluded that I was not the owner of my checking account, review the documentation I submitted, and reconsider the closure of my credit card account. To date, I have not received a satisfactory explanation of how it determined that I was not the owner of the account despite the successful Plaid verification, the completed payments, and the supporting documentation I provided. I am requesting that U.S. Bank provide a clear explanation for its determination, conduct a good-faith review of the evidence I submitted, and reinstate my credit card account or otherwise correct its records if its determination was made in error.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received my Credit report this year and I'm seeing Information I would like to confirm with Company. Sent a XXXX on XXXX XXXX and have not received a reply, Asked for proof of account and 1099 for the write off or Charge off which is on my credit report of {$5800.00}. No Response. XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a letter from the credit card company stating that my check was returned for my payment. I had my daughter call and talk to them. My daughter gave the lady on the phone my account information and she was told the payment went through. A couple of days later, I tried to use my card and it was declined. I had my daughter call Citibank again and she was told the same thing, the payment didn't go through. We went to a branch location and the person who helped us had called a customer service rep. My daughter spoke with her and she admitted that the person who entered the account number entered it incorrectly but unfortunately, there was nothing they could do because the account was already closed. I asked about my dividend dollars that was owed to me and they said that they could not sent that to me. I have been with them for 22 years and this is not fair.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I started getting text messages from an unknown number saying they were waypoint resource group and sent me two messages in the same day on XX/XX/XXXX then again XX/XX/XXXX and again XX/XX/XXXX to which I responded STOP and then the messaged me again XX/XX/XXXX after I said STOP so I responded with STOP twice then again messaged me XX/XX/XXXX to which I responded yet again STOP about five times hoping they would get the hint they did not they messaged me again XX/XX/XXXX and again on XX/XX/XXXX to which I responded STOP and that this is a cease and desist request and told them my employer doesnt allow personal communication during work hours because I could get in trouble then they texted me again on XX/XX/XXXX the XXXX and today the XXXX I have repeatedly asked them to stop and they havent this has been going on for awhile now and I need it to stop because I havent had a debt with 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 2026-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
3. CREDIT CONTROL SERVIC Account No. XXXX Reported XX/XX/year>2026 Balance {$1600.00} I dispute this collection account in full. I have not received proper validation of this alleged debt, and I am requesting full verification of the debt 's accuracy, the chain of title/assignment, and the underlying original creditor agreement. 15 U.S.C. 1692g ( FDCPA ) The collector must provide validation of the debt, including the amount, the name of the original creditor, and confirmation the debt is owed by me. 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of dispute from a CRA, the furnisher must conduct its own investigation and report results back to the CRA. 15 U.S.C. 1681i If unverifiable, the item must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
With my permission my son made a purchase on my credit card from XXXX XXXX around XX/XX/year>. The item was either wrong or not wanted. We contacted the merchant & rec 'd a return authorization. The merchandise was returned but we did not get a credit. We got no where with XXXX XXXX so we filed a complaint with CitiCard. CitiCard is giving us a run around and saying that we're not due a refund as we did not supply proof of return, which is incorrect. We sent CitiCard a copy of the return label and the XXXX tracking history. XXXX XXXX will not issue a refund because we filed a dispute. They said to drop the claim and they will refund us, but given that they didn't refund upon receipt of the merchandise I don't trust them. History : XX/XX/year> - ordered product XX/XX/year> - returned product XX/XX/year> - opened dispute with CitiCard XX/XX/year>- responded to CitiCard XX/XX/year>- responded to CitiCard XX/XX/year>- responded to CitiCard, provided proof of delivery of the merchandise to the merchant.

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 2026-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was scammed by impersonators of the Social Security Adminstration 's OIG office and they led me to believe my identity and assets were compromised. They scammed me out of over {$600000.00} of my life savings. Wells Fargo bank was the receiving party of many of the transactions that they had me 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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection my consumer report recently. I am beyond stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), meanwhile data furnishers are required to report only accurate and complete information.Reporting unverifiable or inaccurate data is a violation of federal law

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