vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint because Ally Bank has failed to return the remaining balance from my closed savings account despite multiple attempts to resolve the matter. I closed my Ally checking account after experiencing ongoing issues accessing my own money. I attempted to withdraw funds from multiple ATMs on several occasions, but my transactions were repeatedly declined despite the funds being available. Because I could not reliably access my money, I chose to close the account. Ally informed me that the remaining balance of approximately {$970.00} would be mailed to me in the form of a cashiers check. I was told the check would arrive within XXXX business days and that it was mailed on XX/XX/year>. The check never arrived. Since then, I have contacted Ally by phone XXXX separate times. Each representative gave me essentially the same responsethat the check had been mailed on XX/XX/XXXX and that I simply needed to continue waiting. No one investigated the issue, offered to stop payment on the missing check, or provided any meaningful resolution. As of XX/XX/year>, nearly a month after the check was supposedly mailed, I still have not received my money. I then contacted Ally through their secure messaging system. After waiting approximately XXXX hours for assistance, I was finally instructed to complete a XXXX Check Affidavit and submit it with a signed Letter of Instruction. However, I can not complete these instructions because the Ally mobile application repeatedly displays an error stating Something went wrong. Try Again Later whenever I attempt to access the Lost Check Affidavit. The required form is also unavailable elsewhere on XXXX website. I informed Ally that I am unable to access the required document because of their system error, yet I still have not received a practical solution. At this point, I have been without access to nearly {$970.00} of my own money for almost a month. I have made every reasonable effort to resolve this matter directly with Ally Bank before filing this complaint.

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 2026-07-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank due to a bait-and-switch regarding a debt hardship payment program. I contacted Citibank to arrange a temporary repayment plan for my credit card accounts. A Citibank representative explicitly offered, quoted, and verbally agreed to a short-term payment plan spanning XXXX months. Based entirely on the terms and timeline promised by that representative, I accepted the agreement. Subsequently Citibank 's XXXX department contacted me and stated that the agreement entered into their system was actually for a XXXX term contradicting what I was explicitly told and what I consented to. Citibank has committed a significant operational and disclosure error by altering a binding verbal agreement after the fact and attempting to force me into a long-term structured liquidation contract without my consent. I have requested that Citibank perform a formal XXXX XXXX of the original enrollment conversation to verify the exact terms quoted by their representative, but the issue remains unresolved.

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 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have only ever given U.S. Bank correct account information. U.S. Bank used an incorrect account # for payment XXXX. U.S. Bank has erroneously reported me as late, severely damaging my immaculate credit file and placing my mortgage at risk. This is a bank error, not a consumer default. Under the FCRA, I demand an immediate, complete retroactive deletion of the late payment history and a total restoration of my clean credit file. I am not seeking an annotation or dispute note ; I require a full erasure of the inaccurate negative mark.

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 2026-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
TekCollect is attempting to collect a debt originating from the bankrupt company XXXX. Only XXXX weeks of the multi-year treatment plan were received before the company collapsed and ceased operations, completely breaking the contract and failing to deliver the service.The consumer moved to a new address after XXXX shut down. TekCollect has never sent a formal written debt validation notice to the consumer 's current address. Instead, the company has spent approximately XXXX year sending sporadic automated text messages demanding payment.This debt is fully disputed. Because the original company breached its contract and failed to render services, no money is owed. Furthermore, the collection agency failed to provide mandatory FDCPA written validation notices. Please compel TekCollect to permanently close this collection file and cease all communications.

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 2026-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I set up a payment plan and made a {$500.00} payment they said they would email me a receipt and the payment plan, they did not. The next month I made my payment electronically on the XXXX. They tried to charge another payment on the XXXX and canceled my payment plan saying my payment plan was canceled because the payment did not go through. Today on the XXXX they're telling me they can not provide me any proof of the payment plan they can not provide me any proof of my payments. They said I need to use my bank account as proof to the people I need to show it to. I told them that I know I can make a written request through mail and they said that I am not able to do that and they said the only proof they will provide me is when I pay off the account. This is for tekcollect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX opened a Home Depot Credit Card on a XXXX interest free promotion. The promotion was not applied & I did not discover it until XXXX of XXXX. I did receive XXXX months of XXXX interest. I did not look at my statement as I believed what was told to me & promised, the XXXX months of XXXX interest. When it was discovered, the representative told me this happens all the time & that they would need to review my complaint & I should see a credit applied by the XX/XX/XXXX statement. XXXX statement arrived & they did not credit my account. I called, they denied the review of my complaint and there is nothing more that can be done. This is misrepresentation of a product or service. They promised XXXX months XXXX interest but only got XXXX months & they won't do anything about it. I have been told XXXX different things since opening the card in XX/XX/XXXX. I held up my end of the bargain & made a monthly payment on time. Home Depot credit card services did not hold up their end.

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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
When I asked the dealership he said the idea was to kit for XXXX years and then trade it in. When we saw the car on there computer the price was XXXX and some change he never told me how much the loan was or interest it would cost me before he sent me and my son to get the car.

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 2026-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Chat ID XXXX Synchrony again charged incorrect interest on a XXXX BALANCE account with XXXX PURCHASES. The employee would not identify themself, provide an employee number, escalate to management, or apply a dispute to the charge. This company is 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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I spoke to XXXX XXXX on monday i traded in my vechile thrusday and wanted rto cancel my gap coverage and get the prorated refund back. They stated that my XXXX contract was with dealer loyalty i contacted them and they stated it was with XXXX XXXX XXXX i called XXXX XXXX who said it XXXX with them even XXXX i have the signed paper from the orginal contract. I have been getting the run around and would like my XXXX returned

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX of XXXX I deposited 2 checked into my wells Fargo account. 1 check was for about XXXX and the other check was for XXXX. They said the funds would be available on the XXXX. The funds were not available today. Then they said it will be available by the XXXX. The checks are coming from XXXX XXXX. About 3years ago this same thing happened between me and an employee. I issued him a check and they placed a hold on his check, yet the money had already been withdrawn from my account. This seems unethical to me. I understand that security protocols need to be in place, yet I have been going business with wells Fargo for over 20 years and from my recollection I only had 1 check not honored by an issuer. The issuer was a individual, not a huge company. Last year I deposited over XXXX and the 95+ % was from XXXX XXXX When the bank industry slows down the dispersing of funds without juat cause it hurts the consumer, and the economy.

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 2026-07-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I restore and rehab vintage coach purses. On XX/XX/XXXX, a woman reached out to me with the fact that she had a purse I was in search of. I had messaged with her in the past, and she was in a coach XXXX group for quite some time and I gave in and was ready to purchase this purse from her. I sent my money via XXXX. A total of {$220.00}. It was not sent goods and services and it wouldnt let me send her any money with it being that way. I even kept screenshots of it saying error, over and over. Once it sent the woman then stopped responding to my messages, and blocked me. Her profile was no longer to be found and I could not contact her in the groups that we both were present in. I reached out to XXXX and you said I needed to speak with my card issuer. Barclay/XXXX and XXXX credit card. I filed my dispute. I also filed a XXXX report against this woman. Upon searching I learned she has a rather lengthy criminal history for theft. Barclay verbally told me that because it was sent through XXXX, I willingly sent the money and they can not protect me. Personally I don't see the difference if I used the credit card online and a store never sent me my product it would be the same. I was scammed when you break it down. I think it's unfortunate that I now am paying for a criminal and a thief and have no protection on any level through any of the companies. I proceeded to sent them XXXX pages of proof between me and this woman on XX/XX/XXXX after being informed I was denied for a second evaluation and it was denied instantly. They claimed the " merchant '' was in the right. All I have learned from this is that it is okay to scam innocent people. XXXX, Barclay not once during the investigation asked me for any proof on any level. But I found it interesting that they claimed they spoke to her. Why would they not ask their own cardholder if they had any 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 2026-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: DC

Complaint narrative:
I am disputing a {$650.00} collection placed by Credit Control , LLC on behalf of XXXX ( account XXXX ) on my XXXX and XXXX credit reports. When I joined XXXX I brought my own paid-off phones and was told at the XXXX store ( XXXX XXXX XXXX XXXX, XXXX DC ) XXXX XXXX XXXX would be free / On Us. Instead XXXX financed my XXXX XXXX XXXX at full price ( {$990.00} ) with {$0.00} promotional credit, while repeatedly marketing XXXX On Us / free devices to me ( Evidence Packet Exhibits O and G ). In early XX/XX/XXXX I decided to leave XXXX. On XX/XX/XXXX I paiXXXX XXXX {$1300.00} to pay off my XXXX XXXX in full ( Exhibit B ), specifically so I could cancel and port my lines to XXXX XXXX XXXX XXXX ; Even though the device was paid off, XXXX refused to release / unlock my lines until after XX/XX/XXXX. I made repeated 12 hour calls demanding they release my lines and stop billing me XXXX own thanks for calling survey texts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) correspond to those calls ( Exhibit L ). XXXX held me XXXX and kept billing me about {$300.00} per month ( Exhibit M ) for XXXX, XXXX, XXXX, XXXX and into XXXX for service I did not want and repeatedly tried to cancel. It did not cancel my remaining lines until XX/XX/XXXX and XXXX, XXXX ( Exhibit A ). I had already switched to XXXX XXXX XXXX ; and redeemed XXXX XXXX XXXX XXXX XXXX switcher reimbursement on XX/XX/XXXX ( Exhibit H ). The unpaid final bill of {$650.00} was placed with Credit Control , LLC on XX/XX/XXXX and now appears on my XXXX and XXXX reports ( but NOT XXXX ) as a collection ( Exhibit J ), dropping my XXXX score from about XXXX to XXXX while I am trying to buy a home. On a recorded XX/XX/XXXX call ( Exhibit D ), Credit Control admitted it has no itemized bill and that the balance is service/late fees. The debt is for unwanted service that XXXX refused to let me cancel, plus a phone I was told would be free. I request : a full written itemization ; correction/removal of the collection from all bureaus ; recall of the account from collections ; and that XXXX produce its recorded calls with me. Supporting documents ( Exhibits AO + J ) are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A few days ago I saw that a brand new Wells Fargo credit card appeared on my credit report. I disputed it with the credit unions and I found out that it was a Wells Fargo credit card. I then called Wells Fargo XXXX department and filed a complaint with them and told them that I never applied for this card and have no idea what it is. They told me that it is through XXXX of their affiliateXXXX XXXX XXXX and the card was applied through them and I never applied for that either. I never bought a mattress. I never tried to buy a mattress. I never applied for this credit card through XXXX or through Wells Fargo. I have no idea who applied for this credit card but it was not me

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 2026-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo bank refuses to investigate the card skimming they had happen in XXXX XXXX Hundreds were affected and police reports made but Wells Fargo refuses to investigate. My card was skimmed at XXXX XXXX on camera. Ive shown the unfurl Wells Fargo but they refuse to help or address my issue because they lied and failed to protect me and are liable. By admitting this they know they ar screwed so keep copy and pasting XXXX XXXX XXXX XXXXesponse of we investigate it. Were is info then? Wells Fargo is a scam bank

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 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STANDARD MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, we paid the requested escrow account closure fee of {$890.00} so that we could discontinue escrow management and handle the account independently. This payment was authorized during a phone call, with the understanding that the funds would be debited directly from the checking account linked to our payment profile. Shortly thereafter, we received an email stating that a check for {$890.00} was being mailed to us. This notification made no sense given that the purpose of the transaction was to pay the fee. We immediately contacted StanMor and were informed that the fee would instead be withdrawn automatically from our escrow funds and that the mailing of the {$890.00} check was an error. As of today, XX/XX/year>, we still have not received our escrow refund check in the amount of {$5200.00}. Each time we contact StanMor for an update, we receive a different explanation and a different mailing date. Supervisors and representatives have repeatedly provided inconsistent information regarding when the check was supposedly issued and mailed. Additionally : We have received no tracking information or written confirmation showing when the check was actually mailed. We were recently sent an email regarding an outstanding check that needed to be cashed, despite never being properly notified that such a check had been sent. During our call on XX/XX/year>, a representative stated that the check was mailed on XX/XX/year>. This date does not align with previous communications, emails, or the timelines that were previously promised to us. We were initially advised that we would receive the refund within 30 days, but that timeframe has long since passed. We have acted in good faith and have contacted StanMor on a weekly basis since XX/XX/year>, seeking updates and clarification. Unfortunately, we have been unable to obtain any concrete or consistent information regarding the status of our funds. We would also like to note that the original escrow closure documents mailed to us contained an incorrect year, requiring us to make manual corrections before returning them. Furthermore, the issuance of the {$890.00} check was itself an acknowledged error that StanMor indicated would need to be corrected internally. Today, XX/XX/year>, we requested a replacement check and were told we would be charged {$25.00}. Not sure what we did wrong to pay this {$25.00} penalty for a check we have no confirmation was ever mailed out.

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi Credit Card sent me two letters with no number. Once again foreign support was horrible. Corporate told me the letter was sent XX/XX/XXXX with the number that I need to give the fraud department to confirm and activate the card, THERE WAS NO NUMBER ON THE XX/XX/XXXX LETTER SENT WHY! Why are you sending the letters without the number I need to give in order to activate? HOW LONG IS THIS GOING TO GO ON CITI CARD? How many times DO I NEED TO WAIT ON XXXX for XXXX minutes or longer to NOT BE HELPED. WHEN IS SOMEONE, ANYONE GOING TO SEND THE LETTER OUT CORRECTLY WITH THE NUMBER YOU KEEP TELLING ME I NEED, WHEN IS THE GOING TO BE DONE CORRECTLY? You force me to speak with the fraud department and then you send out the wrong letter, NO NUMBER TO GIVE AND THE WRONG PHONE NUMBER TO CALL WHY? DO NOT CLOSE OUT THIS CONCERN AS YOU NEED TO FIX THIS AND IT IS NOT ON THE FIRST COMPLAINT! Corporate keeps telling me they can not bypass, FINE THEY NEED TO GET WITH THE DEPARTMENT THAT KEEPS MAKING THIS MISTAKE AND TAKE CARE OF IT, SEND OUT THE LETTER WITH THE NUMBER OR GET ME TO THE DEPARTMENT THAT CAN TAKE CARE OF THIS ... ENOUGH IS ENOUGH

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