vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am submitting this complaint regarding repeated credit limit reductions that have negatively impacted my credit profile and made financial recovery more difficult. On my XX/XX/XXXX statement, my credit limit was {$10000.00} with available credit of {$1700.00}. On XX/XX/XXXX, the credit limit was reduced to {$8500.00}. On XX/XX/XXXX, it was reduced again to {$8400.00}. On XX/XX/XXXX, it was further reduced to {$7300.00}. Multiple reductions caused the account to report at or above the credit limit despite no significant new spending activity. My concern is that the utilization increase was driven primarily by repeated reductions in available credit rather than by additional borrowing. As I worked to make payments and improve the account, the credit limit continued to decrease. This reduced or eliminated the benefit those payments would otherwise have had on my utilization ratio and credit profile. I understand that lenders have the right to manage risk and adjust credit limits. However, these repeated reductions appear to have created a cycle in which the account became more difficult to recover from. Despite efforts to pay down balances and avoid additional spending, available credit continued to be reduced, resulting in higher utilization percentages and additional negative pressure on my credit score. Like many families, we experienced financial challenges during and after the XXXX period and have worked diligently to meet our obligations and improve our financial position. Rather than seeing progress reflected through improved utilization and account performance, repeated credit limit reductions often offset that progress. I contacted the issuer and spoke with a representative who was professional and courteous ; however, I was unable to obtain a clear explanation regarding the specific reasons for the repeated reductions. I respectfully request : 1. A detailed written explanation of the reasons for each credit limit reduction. 2. Confirmation of whether adverse action notices were issued and the factors relied upon. 3. A formal review of my account to determine whether the repeated reductions were warranted. 4. Consideration of restoring the previous credit limit, or another reasonable credit limit consistent with my account history and current credit profile. 5. Consideration of any negative reporting consequences that resulted solely from the credit limit reductions causing the account to report at or above the credit limit. My goal is not simply to seek a higher credit limit, but to understand the basis for these repeated reductions and to ensure that my account is being evaluated fairly and consistently.

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 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, my phone was stolen at a XXXX and whoever stole it had access to my phones password. With this, they changed all login usernames and passwords to my banking app ( Navy Federal ), XXXX XXXX XXXX XXXX XXXX, and XXXX. Whoever stole my phone transferred money from my savings account into my checkings, and sent a total of {$4700.00} through XXXX XXXX to themselves. I immediately filed a police report, as well as changed all passwords and discontinued service on the phone as well as reporting it stolen. I initiated a dispute with Navy Federal that was immediately denied less than 2 days later. At the time, the police report was not ready so I appealed and submitted the report as evidence, along with many screenshots of confirmation emails of changed login info on all of the accounts. This appeal decision took almost 30 days, but they denied it yet again, stating that I have made previous transactions and personally authorized these transactions. On XX/XX/XXXX, I went into a branch to verify myself, reopen my account and change my card and account numbers. I spoke to someone on the fraud team explaining the situation. On XX/XX/XXXX is when they made the decision to deny my appeal, stating that they did not find sufficient evidence that supports my claim. As there is no other documents and evidence I can provide them, I am resorting to more aggressive methods, ultimately leading me to sue them in small claims court.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I received a text stating that a charge was fraud. ( I had used my debit card and pin the day before at a XXXX XXXX it was a large amount because our dog was very sick. So, I wanted to ensure it wasnt anything related to the XXXX XXXX. ) I checked my bank account and someone withdrew {$600.00} from an ATM, then went down the street to a local grocery store ( XXXX ) and debited {$2000.00}, then went to a other XXXX and tried again for {$2000.00}. Thats when the bank sent the fraud text. I called the bank, canceled my card and they gave us a temporary credit of the {$2600.00} ( total amount ). A few days later I got a document sent informing me that the {$600.00} was fraud, then in XX/XX/year>, I got a document informing me that the {$2000.00} was not fraud and that the bank would withdrawing the temporary credit of {$2000.00}. Which they did and left out account in a negative ( XXXX ). I reached out to the bank ( USAA ) and they informed me that we ( myself and husband ) could not speak to the fraud investigators, and that we could ask for them to re-investigate. Which they said they did but still came back saying that the {$2000.00} was not fraud because the criminal used my pin- which according to the bank means that I gave this criminal permission. Thats the evidence they used to determine the {$2000.00} was not fraud BUT the {$600.00} was fraud? Please assist

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 2026-06-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
On Friday, I purchased a prepaid Netspend card from a retail store and paid {$77.00} at the register. I attempted to activate the card the same day and again over the following days through both the automated phone system and the online activation portal. Each attempt failed, and I received an invalid card number error message. I checked the packaging and receipt, and there is no usable card number printed on the receipt that would allow activation or verification. Because of this, I was unable to complete activation or access any funds loaded onto the card. From Friday through today, I made multiple attempts to resolve the issue using the available activation methods, but the card remains inactive and unusable. I am requesting assistance to either properly activate the card or resolve the issue so the funds can be accessed. No successful activation or transactions have occurred to date, and 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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
I'm a Texas small business owner. I opened a U.S. Bank business account for my XXXX XXXX and deposited business funds. Shortly afterward, my account was restricted and I was denied access to my money. The most frustrating part is that I received absolutely no notification beforehand. No email, letter, phone call, text message, app notification, or secure message. The first indication that something was wrong came when a business payment failed. Since then, I've spoken with 6+ representatives across multiple departments, including supervisors. Only two seemed to have a basic understanding of the situation. The rest could not explain the restriction, identify the correct documents needed, provide a timeline, or offer a meaningful path toward resolution. The reason I was given for the restriction and now the forced closure of my account is that I can not provide " Articles of Incorporation. '' Here 's the problem : my company is a XXXX XXXX. XXXX XXXX do not have Articles of Incorporation. Those are corporate formation documents. XXXX XXXX have a Certificate of Formation/Certificate of Filing. I repeatedly explained this and offered to provide my Certificate of Filing, Certificate of Formation, Certificate of Fact, Operating Agreement, and EIN documentation. I find it both strange and concerning that a major U.S. financial institution appears unable to distinguish between a corporation and an LLC when making decisions that impact access to customer funds. To make matters worse, a supervisor told me I needed to visit a branch to resolve the issue. After explaining that I am located in Texas and do not have practical access to a local U.S. Bank branch, no alternative solution was offered. Shortly thereafter, I was informed that the account would be closed due to " Risk ''. They said that's all they can tell me. As a small business owner, this has disrupted operations, delayed payments, and created an unbelievable amount of stress.

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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am responding to your communication regarding the debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide : The name and address of the original creditor. The amount of the alleged debt, including any interest, fees, or other charges. Documentation showing that I am legally obligated to pay this debt. Documentation showing that your company has the authority to collect this debt. Until you provide the requested validation, I dispute this debt and request that collection activities cease as required by applicable law. Please communicate with me in writing regarding this matter. Thank you for your attention to this request. Sincerely, 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 2026-06-15 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : RV loan Complaint against BMO Bank - Account XXXX I am writing to file a formal complaint against BMO Bank regarding my loan account XXXX. On XX/XX/year>, I paid the full payoff amount of {$31000.00} that BMO provided to me. They accepted and processed this payment. Despite this, BMO has continued to withdraw approximately {$1000.00} from my account since the payoff date. They are also now demanding an additional {$2200.00} in interest and principal. I sent a written dispute to BMO nearly XXXX weeks ago and have received no response. I request that BMO immediately : Return all funds withdrawn after XX/XX/year> Remove all additional charges Provide written confirmation that the loan is paid in full Cease all collection activity on this account

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 2026-06-15 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: CA

Complaint narrative:
I requested a balance transfer from Wells Fargo by applying for a XXXX XXXX XXXX on XX/XX/year> for {$6500.00} to pay off a debt. Transfer fee was {$320.00}. I received an automated email that I could not have the full amount until I received the actual card. Since I received no further communication and did not see any activity on my account, I request the balance transfer again when I received the card. When I realized my mistake, I went to Wells Fargo in person and was told the second transfer would 'bounce back ' because it would exceed my limit. I was also told I would not be charged any fees. Much to my surprise, the second transfer was charged to my old Platinum card without my knowledge or approval. I emailed Wells Fargo explaining the situation and subsequently had two phone calls, during which time Wells Fargo insisted I used my old Platinum account to request a second transfer - untrue. The also said I confirmed the transfer via text - also untrue. When I asked for proof of these transactions, they said I had to get a court order! I would like the second balance transfer fee refunded because I am being charged for something that I absolutely did not do. This is Wells Fargo 's error and the fact they won't admit the error or give me copies of my own account information is ridiculous. 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 2026-06-15 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: NY

Complaint narrative:
I am filing this complaint as a follow-up to a previous CFPB complaint ( XXXX ) against Citi regarding a charge on my XXXX XXXX from XXXX XXXX XXXX on XX/XX/year>. In my prior complaint, Citi sent a letter dated XX/XX/year> stating they would resolve the dispute within 45 days, placing their deadline at XX/XX/year>. That deadline passed with no resolution and no communication from Citi. The original complaint was closed after Citi responded, but their response did not resolve the dispute and they failed to meet their own stated timeline. I am requesting that the CFPB escalate this matter and require Citi to provide a substantive resolution.

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 2026-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
Freedom Mortgage improperly reported late payments during a period when I was experiencing a documented financial hardship as a dual federal employee impacted by a government shutdown ( military and civilian federal employment ). They did not provide any required notices of assistance options, did not conduct a hardship review, and did not inform me of available relief programs before reporting the late payments. In a request for review sent XX/XX/XXXX via their messaging portal, the request was denied on XX/XX/XXXX. In a phone call from me on XX/XX/XXXX, the request was further denied stating, " Had I reached out prior, we could have added a forbearance preventing the report of late payments, but because I did not, it can not be applied retroactively. '' Freedom Mortgage gave inconsistent explanations, including stating that they attempted to contact me, that I never called, and that they could have prevented the late payments as they have for other clients had I been reviewed for hardship and reached out to them directly. These statements conflict with each other and indicate that no proper servicing review or documentation exists. Because Freedom Mortgage failed to provide required live contact attempts, written notices, or evaluation for hardship options, the late payments were reported without proper servicing procedures. This has caused significant credit harm, including a drop in my credit score and financial impact. I am requesting that the CFPB require Freedom Mortgage to : 1. Provide all servicing notes, call logs, and documentation of attempted contact. 2. Explain why no hardship notices or evaluations were performed. 3. Apply appropriate hardship coding for the affected months ( XXXX & XXXX ). 4. Correct the late payments and update all three credit bureaus. 5. Provide written confirmation of the corrections. Freedom Mortgage was requested and asked to correct the inaccurate reporting based upon the circumstances listed in my request. They refused to update the information stating that I did not report the hardship at that time. I am requesting CFPB assistance to ensure compliance and correction of the inaccurate information.

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 2026-06-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a formal complaint against Citibank for gross negligence, failure to secure my accounts, and a severe violation of Federal Regulation E ( 12 CFR 1005.11 ) that has dragged on for over XXXX months. 1. The Root Cause and Bank Negligence : In XX/XX/year>, I detected fraudulent activity on my Citibank profile, specifically unauthorized changes to my personal contact information. To protect myself, I immediately took responsible action by opening a brand-new, secure account profile with Citibank and moving my accessible funds. I explicitly alerted the bank to the compromise. However, Citibank failed to properly secure my assets. They neglected to unlink my Certificate of Deposit ( CD ) account from the old, compromised profile. Because Citibank left this link active, perpetrators were able to exploit the vulnerable old profile and commit a massive fraudulent withdrawal on XX/XX/year>. This second wave of fraud was entirely preventable and was caused directly by Citibanks operational failure to execute proper account separation. A formal fraud claim was subsequently processed on XX/XX/year>. 2. Regulation E Timeline Violation : As of today, XX/XX/year>, it has been XXXX calendar days since my XX/XX/XXXX report. The absolute maximum extension allowed under Regulation E for any error investigation is XXXX calendar days. Citibank has completely blown past this federal regulatory deadline. 3. Current Status and Financial Shortchanging : A few days ago, the primary disputed funds were finally posted to the old, locked, compromised account ledger. Citibank did this without notifying me, and because that old profile is locked down due to the fraud, I have XXXX online access to these funds. The money remains trapped inside the bank 's internal backend. Furthermore, the amount credited only covers the raw unauthorized withdrawal. Because Citibank 's negligence and subsequent XXXX delay directly caused me to lose interest, incur overdraft penalties, and suffer associated financial fees, they are legally mandated under Regulation E to make my account completely whole. They have failed to calculate or include these adjustments.

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 2026-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I understand the vehicle has been repossessed. I am requesting information regarding the balance owed, the process for redeeming the vehicle, any storage or repossession fees, and the timeline before the vehicle may be sold. Please provide all communication in writing. 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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am XXXX XXXX. My credit rating is XXXX. I applied on XX/XX/year> online for a pre-screened offer from Wells Fargo for a 0 % credit card on purchases and balance transfers for 15 months, the same type of Wells Fargo card that my husband had applied for a couple of years ago. He was approved online in about 1 minute. They did not require any additional information from him. But when I applied on XX/XX/XXXX, they sent me an email saying they were working on it. When XX/XX/XXXX came, I had still not been approved, so I called to find out what the hold-up was. The woman I spoke to said that I had to provide additional ID verifying my information and address. As I am in WI for the summer, I asked if I could take care of it at a Wells Fargo branch and she said yes. So I visited the XXXX, WI branch and spoke to XXXX XXXX. She updated my application that had been correctly filled out, and asked me to provide my driver 's license, which I did, and then she called to find out why I had not been approved, and why they were requiring more information from me than they did from my husband. They told her they require those IDs on all new applications, but that is not true because my husband 's application was also a new one. Neither of us had ever done business with Wells Fargo before they approved his application immediately. I believe that they are discriminating against me because I am a woman.

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