vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We were on a long trip out of the country & when we returnedI found when checking our bank account that all our stock had been sold without our consent. We were holding our stock for long-term & it was sold at XXXX of its lowest prices & we lost big times. Called & talked to them but they said we had been notified of info needed & couldnt do anything. Since we were out of country no notice received. We have been upset & been trying to find out what we could do about this unfair account. Just found an article about others being done this same way at around the same time. It said to file a complaint 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 2026-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On or around XX/XX/year>, Barclays restricted access to my online savings account and disabled my ability to log in and manage the account. After this date, I was unable to access my account, view my balance, or withdraw funds. When I contacted Barclays customer service, I was informed through the automated system that I did not have an active account, which prevented me from receiving assistance. On XX/XX/year>, I received an email from Barclays stating that my account had been closed. Later, Barclays confirmed that the account was closed and stated that any remaining balance would be returned through the original funding method used to deposit the funds. However, this method is no longer available because the original external account has been closed. Barclays has not provided an alternative effective method to return my funds, and my account balance remains inaccessible despite the account closure. Wire transfer was also not offered as a solution. As a result, I have been unable to access or recover my funds for an extended period of time. The remaining balance is approximately {$2100.00}.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To whom it may concern : I was locked out of my portal. Please call and so i called. Gave all Standard verification as needed for my Identity. Phone Rep. went on to asking further third -party data not on file. Which I found to be an Intrusive and XXXX XXXX of my privacy. Because of these inappropriate questions I asked for account to be closed. Questions asked were about my parents that have passed away serval years ago

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am submitting a complaint regarding a Bank of America credit card account ending in XXXX. In XXXX, I personally traveled to a Bank of America branch in XXXX, Illinois, to request closure of this credit card account because there were no convenient Bank of America branches available where I lived in Wisconsin. After that visit, I believed the account had been properly closed. I did not knowingly continue using the account, no longer had access to the account, and did not possess or use the credit card thereafter. In XXXX, I was surprised to receive notices indicating that the account had been charged off and referred to a collection agency, XXXX XXXX XXXX XXXX, with an alleged balance of approximately {$450.00}. I contacted Bank of America seeking assistance and an explanation of the debt. However, I was not provided with documentation explaining how the balance originated, whether the account was properly closed, or what transactions created the balance. The statements provided show a balance, interest charges, and fees, but do not clearly identify the original transactions that created the debt. I dispute the validity of the alleged debt and request that Bank of America : XXXX. Investigate whether the account was properly closed following my XXXX request. XXXX. Provide complete account and transaction history from XXXX through charge-off. XXXX. Provide any records, notes, or documentation related to my account closure request. XXXX. Explain how the balance was incurred and identify the original transactions that created the debt. XXXX. Verify the accuracy of any information reported to credit reporting agencies. I am seeking a full investigation and documentation regarding the history of this account so I can determine whether the debt is valid. Thank you.

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: AZ

Complaint narrative:
I submitted a dispute with Citi on XX/XX/year> regarding a {$650.00} transaction with XXXX on XX/XX/year>. Citi closed the dispute on XX/XX/year> indicating that I am responsible for paying for the transaction. The reason for the dispute was because I tried returning the merchandise to XXXX but they offered no way to return the merchandise back to them. I tried reaching them via phone, chat, text and their website and they were unresponsive. I provided Citi with extensive documentation showing I attempted to return the merchandise via email. I actually submitted a second dispute at Citi for the same reason due to how XXXX processed the order in multiple transactions. This second dispute, which was for the same reason and had the same documentation that was provided. This second dispute was resolved in my favor by Citi and the money was refunded. I tried contacting Citi multiple times regarding the unresolved dispute. They closed and reopened it several times, always completing it saying I am responsible for the transaction. Their dispute team makes you contact them via phone and are very difficult to work with. I tried escalating to a manager at Citi and they were very unprofessional, keeping me waiting in their chat for XXXX minutes. If both disputes were for the same reason and had the same documentation, then Citi is not following their own policies since one was resolved in my favor and the other was not.

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: 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Payment History & Discrepancies Below is a strict accounting of the mortgage payments I have made on this loan in XXXX. My monthly mortgage payment was reduced from {$3000.00} to {$2900.00} in XX/XX/XXXX without explanation. XX/XX/XXXX : {$3000.00} XX/XX/XXXX : {$3000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1400.00} ( Partial payment for mortgage reduced to {$2900.00} ) XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} Rather than holding my partial payments in a suspense account until a full contractual payment was met ( as required by standard servicing guidelines ), Wells Fargo arbitrarily applied some of these funds directly to interest. This has artificially inflated my remaining balance and caused an extreme financial hardship. In XXXX, I received a call from a Wells Fargo representative who explicitly assured me that if I made a full mortgage payment of {$2900.00} before the end of the month, my account would not be escalated. Relying on this assurance, I went above and beyond, making XXXX separate payments in XXXX totaling {$4400.00}. Despite fulfillingand exceedingtheir demand, Wells Fargo acted in bad faith and issued an escalation letter demanding over {$11000.00}. Before the end of XXXX, Wells Fargo prematurely and inaccurately reported my account to the credit bureaus as being XXXX ( XXXX ) months past due. In reality, I was only XXXX ( XXXX ) months behind, and actively working to clear the remaining XXXX late payments by the end of XXXX. This inaccurate reporting appears to be a deliberate attempt to tank my credit score, preventing me from seeking a refinancing option outside of their institution. This is a bold attempt to take my property.

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: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am submitting a complaint regarding a {$99.00} annual fee charged to my credit account on XX/XX/year> with XXXX XXXX My account was transferred them on XX/XX/year>, from XXXX. I have had this account for approximately XXXX year and previously paid an annual fee during that time. However, despite the account transfer earlier in the year, I did not receive any advance notice or reminder that a new annual fee would be charged on XX/XX/year>. Within a few daysof the fee being applied, I contacted customer service to request a courtesy waiver or refund, as I decided to close the account and no longer continue the relationship under the new company. My request was denied, including after escalation to a supervisor, based solely on company policy and the fact that I had paid an annual fee the prior year. This response does not take into account the circumstances, including the account transfer, the lack of advance notification, and the fact that I was closing the account after the final payment was made today. The fee was charged and I have not continued to use the card. Additionally, after reviewing other consumer complaints, it appears that similar situations have affected multiple customers, suggesting a potential pattern regarding the application of annual fees without adequate notice following account transfers. Given these factors, I am requesting a one-time goodwill adjustment to remove or refund the {$99.00} annual fee. Due to I will not be a customer any longer. I believe this is a fair and reasonable resolution considering the lack of notification and my immediate action to close the account. I respectfully request that this matter be reviewed and resolved appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2026, I opened an XXXX XXXX XXXX checking account ending in XXXX with Bank of America. Under the promo terms, I should have set up a direct deposit in this new account and receive up to {$500.00} in cash bonus with $ XXXX deposits during the initial 90 days. As of XX/XX/XXXX, more than {$5000.00} have been deposited directly to this account yet no cash bonus has appeared yet. Furthermore, no one at Bank of America, including its CEO, back office, and the branch level can respond to me about when the cash bonus would be deposited.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Credit Collection Services regarding a collection account they are reporting for XXXX. The account being reported is listed as account number XXXX, with a reported balance of {$86.00} and a date opened of XX/XX/year>. This debt has already been paid directly to XXXX, the original creditor. Attached is proof of payment from XXXX showing that a payment was applied to the auto policy. The payment confirmation number is XXXX, the payment amount was {$86.00}, and the payment date was XX/XX/year>. The receipt confirms the payment was applied to the XXXX auto policy. Despite this payment, Credit Collection Services continues reporting this account as a collection with a balance on my credit report. This reporting is inaccurate and misleading because the debt has already been satisfied. Continuing to report a paid debt as an active collection balance causes damage to my credit profile and does not accurately reflect the current status of the account. I am requesting that Credit Collection Services conduct a proper review of the attached payment evidence, verify the account status with XXXX, and immediately correct or delete the inaccurate collection reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Addendum to Active CFPB case # XXXX to : Citigroup XXXX XXXX XXXX XXXX Consumer Relations Citibank Credit Card XXXX XXXX XXXX XXXX Urgent Docs Upload to merge to support CFPB case # XXXX Gentlemen : My name is XXXX XXXX, and I opened a CFPB complaint report against Citibank on XX/XX/year>. In support of my case, I need to merge new docs asking for a permanent and final credit of XXXX {$1000.00} in my Citibank credit card acct. Docs are : XXXX ) Citibank new dispute letter asking for opening a new dispute ... and XXXX XXXX XXXX Report. Please merge these files immediately to my Citibank active case # XXXX Thanks for your help and assistance. XXXX XXXXXXXX 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 2026-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Credit age is over the time frame required for reporting

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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was broken into, and my wallet containing my credit cards, debit cards and other personal information was stolen. I immediately reported the theft to my local police department, notified my financial institutions, and reported each card as stolen. I fully cooperated with every fraud investigation by providing all requested information, including the police report number. After stealing my wallet, the thief went on a spending spree and made approximately {$4000.00} in unauthorized purchases using my credit cards and debit cards. Every other financial institution that investigated the fraudulent transactions determined they were unauthorized and credited my accounts accordingly. However, Fortiva XXXX denied my fraud claim. The reason provided was that the transactions were allegedly consistent with my past spending habits and that my police report number was not sufficient evidence. I strongly dispute that conclusion. The fact that a thief used my physical credit card after it was stolen does not make the transactions authorized. The purchases occurred only after my wallet was stolen and were made by someone who did not have my permission to use my account. My consistent spending history prior to the theft does not prove that I made these transactions. In fact, the circumstances surrounding the theft, the police report, my immediate reporting of the stolen card, and the findings of my other financial institutions all support that these charges were fraudulent. I believe Fortiva XXXX failed to conduct a reasonable investigation before denying my claim. The explanation provided does not adequately address the evidence I submitted or the circumstances surrounding the theft. As a consumer, I should not be held financially responsible for unauthorized charges resulting from a documented crime. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in ensuring that Fortiva XXXX conducts a fair and thorough investigation. I also request that the creditor reverse the unauthorized charges, remove any associated interest or fees, correct any negative credit reporting related to these charges, and provide a written explanation detailing the evidence relied upon in denying my claim. Thank you for your time and assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Discrepancies with amount paid towards credit card and Wells Fargo is engaging in consumer fraud the same way theyve lied about my past dispute and CFPB complaint with XXXX XXXX when they declined to reopen the claim stating its not a valid reason not insufficient information! XXXX also charged me a return payment fee stating WF charged them over XXXX for the stop payment and recharge which resulted in them charging me!!! Highly unethical!!! On XX/XX/XXXX I paid XXXX towards my credit balance that PAID OFF THE ACCOUNT IN FULL! There was also credit within the account where it displayed as NEGATIVE- hundreds of dollars in the XXXX mark. On XX/XX/XXXX when XXXX XXXX XXXX XXXX was charged by my legal team that will be handling with litigation proceedings if you dont return my stolen funds and elaborate on the discrepancies ASAP the negative amount was gone and it seems as though every payment made did not process on that day XX/XX/XXXX, which included : XXXX XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX + {$2000.00} XXXX XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX + {$1000.00} XXXX XXXXXXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXXXXXX XXXX {$1400.00} XXXX XXXXXXXX Transaction Date XX/XX/XXXX Posting Date XXXX XXXX XXXX$420.00} # XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX + {$500.00} # XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX + {$500.00} XXXX XXXX Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXXXXXX XXXX {$500.00} including the {$2000.00} on XX/XX/XXXX so XXXX demanding the accounting breakdown as when I called XXXX XXXX XXXX XXXX the representative refused to calculate, provide accounting, take accountability nor admit there was an error with the amount but instead told me to count when clearly theres discrepancies and consumer fraud as theres over {$5000.00} that has not been accounted for towards my credit card ending in XXXX as you have stolen and concealed my funds but I have the paper trail to prove it and XXXX XXXX XXXX with XXXX Legal Counsel as well as the government will hold Wells Fargo Bank and every employee affiliated accountable!

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX or XXXX I had got a XXXX XXXX in my name for my mother under XXXX XXXX and she never paid well Finish paying it off now it's on my on my credit and when I got me a car it was a little hard for me to get XXXX and my care note is high.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MO

Complaint narrative:
I can provide emails and paper trials but skylight card pay card violated the card policy and they wouldnt call me back after this was confirmed

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$15000.00} check issued by XXXX, XXXX into my Citibank checking account. XXXX own account records show that the check was accepted, processed, and credited to my account. My account statement reflects a {$15000.00} deposit and an ending balance of {$15000.00}. The deposit was completed and posted to my account. After the funds had already been deposited, Citibank closed my account and froze all of my funds. I no longer have access to the deposited money. The bank has not provided a clear explanation regarding the legal status of the funds or how the funds will be released. I have not been informed whether the funds will be released by cashiers check, transferred to another account, or otherwise made available to me. I request that Citibank immediately clarify the status of my funds and promptly release the deposited funds through an appropriate method.

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