vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I am filing this complaint regarding repeated credit limit reductions on my credit card account with First National Bank of Omaha ( FNBO ), account ending in XXXX. Over the past 14 months, FNBO has reduced my credit limit from {$12000.00} to {$1000.00} a 92 % reduction through a series of cuts, each following responsible account activity such as paying down my balance. This pattern is consistent with balance chasing and has directly damaged my credit score by keeping my credit utilization ratio artificially high. Background : In early XXXX, I lost my job and responsibly entered into repayment plans with several of my creditors rather than defaulting. Some of those plans involved account closures, which caused my overall credit utilization to spike temporarily. Since then, I have consistently paid down my debt every month, and that steady repayment history is fully visible on my credit reports and to FNBO. This account has always remained in good standing. Timeline of reductions : XX/XX/XXXX : Credit limit reduced from {$12000.00} to {$3400.00}. XX/XX/XXXX : Limit reduced to {$2600.00}, shortly after I made a purchase of approximately {$2500.00}. XX/XX/XXXX : I paid off my balance of approximately {$2200.00} in an effort to improve my credit standing. XX/XX/XXXX : Limit reduced to {$1900.00}, shortly after a transaction of approximately {$1800.00}. XX/XX/XXXX : I paid my balance down to approximately {$400.00}. XX/XX/XXXX : I received notice of a further reduction to {$1000.00}. This card was lightly used and served primarily to support a healthy credit utilization ratio while I recovered financially. Rather than recognizing more than two years of consistent, on-time debt repayment, FNBO has responded to each act of responsible behavior by cutting my limit further effectively penalizing repayment. Because credit utilization is a major factor in credit scoring, each reduction has harmed my credit score at the very moment I took action to improve it. The most recent cut to {$1000.00} leaves my remaining balance of approximately {$400.00} at 40 % utilization on this card alone, despite my repayment efforts. FNBOs repeated cuts are compounding the temporary harm from my XXXX hardship and preventing my recovery, creating a cycle I can not escape through responsible behavior. I contacted FNBO in XX/XX/XXXX, after the reduction to {$1900.00}, to raise this issue. I was told only that FNBO periodically conducts further reviews of accounts. No specific explanation for my reductions was provided, and no reconsideration occurred. During that call, I told the representative directly that I felt I was being unfairly targeted by these repeated cuts. Despite raising this concern, FNBO reduced my limit yet again in XX/XX/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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : CREDIT CONTROL , LLC - XXXXXXXX XXXX XXXX XXXX XXXX : {$210.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * 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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I reported an unauthorized electronic fund transfer involving a {$1800.00} XXXX XXXX transaction funded directly from my Truist debit card. Truist opened a Regulation E investigation and subsequently issued a provisional credit. During the investigation, Truist requested additional information regarding prior XXXX XXXX transactions. I responded the same day, explaining that I did not recognize or knowingly authorize the disputed {$1800.00} transfer, that I received no goods or services in exchange for the transaction, and that prior XXXX XXXX transactions should not be treated as authorization for this specific transfer. I also requested that Truist review authentication records, linked devices, account access history, login activity, and any indicators of unauthorized electronic access or fraud. After issuing the provisional credit, Truist ultimately denied my claim and reversed the provisional credit, concluding that the transaction was authorized. Following Truists determination, I requested copies of the documents and records relied upon in reaching that conclusion, including authentication records, XXXX XXXX XXXX authorization records, device information, login history, and the investigative records supporting Truists decision. As of today, I have not received those requested records. I also obtained documentation from XXXX showing that, after the dispute was filed regarding the unauthorized {$1800.00} transaction, my XXXX XXXX account was restricted and the debit card associated with the disputed transaction could no longer be used with XXXX XXXX. XXXX also advised that if I believed my XXXX Account had been compromised, I should immediately take steps to secure the account. I believe this information is relevant to Truists investigation and determination. Your XXXX XXXX account is restricted.pdf Throughout this process, I timely reported the disputed transaction, promptly responded to every request for additional information, and provided or offered additional evidence relevant to the investigation.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
b"I initiated a balance transfer from my XXXX XXXX XXXX XXXX acct on XXXX. It was posted XXXX balance transfer from my XXXX XXXX XXXX XXXX account on XXXX XXXX XXXX It was processed electronically. i put the wrong account number on the balance transfer (XXXX XXXX XXXX XXXX. The amount was for XXXX I asked them to apply the amount to my account or return to me or XXXX XXXX XXXX XXXX.The Electronic Trace # isXXXX I did make the XXXX payment in the amount of XXXX to avoid a late payment. I have called & emailed customer service & the back office on several occasions, yet I'm told every time that they have no knowledge of the payment. XXXX was unable to stop the payment for Surge had already processed it. \n\n\nXXXX 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 2026-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: WA

Complaint narrative:
My XXXX XXXX XXXX with the XXXX XXXX XXXX filed a modification under the map program about XX/XX/year>, we had until XX/XX/year> to get all documents that US Bank requested in, we uploaded all documents on or about XX/XX/year>, XXXX weeks of current pay stubs, death certificate ( which Us bank has lost muliple time ) and an explanation why I'm using a XXXX XXXXXXXX instead of the home address. I recieved a letter from Us Bank saying all documents recieved and we are in review. On XX/XX/year> XXXX Bank closed our map and side they never recieved XXXX documents. My attorney and I have all emails and comfermations of Us Bank recieved said documentents.. I learned they closed the map when I called on XXXX, 2026 and was informed by the customer service agent. This conversation was recorded. I had until XX/XX/year> to get all documents in, Us Bank never reached out to either myself or my attorney for any additional documents or even asking for the documents they claim they never recieved. Us Bank costomer service agents on XX/XX/XXXX, XXXX. XXXX, 2026 all addmitted that Us Bank screwed up with prematuring closing the map when they should not of closed it, we still had 9 days to the XXXX of XX/XX/year>,

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a check on XX/XX/year> into my sons account- Wells Fargo branch XXXX told me there was no holds or problems. Then on the XXXX I get a notice that Wells Fargo has placed a hold on my funds for XXXX days and refer me back XXXX the maker of the check. I contact the maker of the check XXXX they provide me with copies of posting of the check XXXX where the account was debited the funds on XXXX. I then contact Wells Fargo XXXX they tell me a string of changing stories XXXX fed is XXXX the funds XXXXthe check is bad XXXX I should have he maker put a stop payment on the check and write another XXXX XXXXmy account rules state that Wells Fargo can hold my funds for XXXX few business days XXXXwells Fargo has no ability XXXX show me the funds were rejected when the deposit failed XXXXwells Fargo received an early warning notice that the check was bad however they also can not provide me with that notice When I went back XXXX the maker of the check I received from XXXX of XXXX XXXX XXXX bank a copy of the XXXX check with my XXXX XXXX on XXXX XXXX of XXXX also provided me a copy from XXXX bank where the funds were debited from their account Wells Fargo will not let me send them the documentation XXXX Wells Fargo will not provide me with any documentation XXXX support their fraudulent claims about the check deposit. Wells Fargo has XXXX date based on evidence I have received from XXXX been holding my funds for XXXX days now and wont release them for another XXXX days. I have gone back XXXX forth with the branch XXXX at Wells Fargo in flower mound XXXX the sales XXXX XXXX general XXXX from XXXX. They can not put a stop payment XXXX reissue the check because the funds have already left their account, XXXX though that what I was told XXXX do by Wells Fargo. The dealership follows up daily with me XXXX I have XXXX chase Wells Fargo daily because they wont do anything XXXX tell me they have XXXX redeposit the check on XXXX. How do you r deposit a check that has already been paid? This makes no sense. I went back XXXX the branch XXXX asked for the check so I could take it back XXXX the maker as they told me XXXX refer XXXX and they wont give me the check back. So Wells Fargo are stopping me from being able XXXX do anything they ask me XXXX do by withholding evidence, information XXXX the allegedly according XXXX Wells Fargo the uncashed check deposit I spoke with XXXX at Wells Fargo XXXX filed a complaint with him he said he manually reference number is XXXX And filed a complaint with wells Fargo Complaint id # 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 non-monetary relief
Consumer complaint received 2026-07-15 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: IN

Complaint narrative:
I am filing a formal complaint against Citibank regarding deceptive in-store lending practices and a failure to resolve a clear case of employee misrepresentation on my Home Depot Consumer Credit Card. In XX/XX/XXXX, I purchased an XXXX washer and dryer at XXXX XXXX totaling approximately {$2100.00}. I verbally requested a XXXX-month financing option from the XXXX XXXX so I could pay the balance off over XXXX years. The XXXX ran my credit, told me I was approved, and explicitly stated my minimum monthly payment would be {$68.00}, adding that paying {$80.00} per month would comfortably help clear the balance. Critically, the mathematical logic of the minimum payment proves the terms I was promised. If I were actually being set up on a XXXX-month payoff plan for a {$2100.00} purchase, the required monthly amount to avoid interest would have been roughly {$350.00}. Instead, the bank 's own records and statements established my minimum payment at {$68.00}, a number that only makes sense mathematically under a longer, XXXX-month financing structure. I was not provided with any physical contract, nor was I shown the fine print on the digital terminal during the transaction to review the promotional terms. Trusting the store XXXX XXXX instructions and the {$68.00} minimum payment structure, I have faithfully paid {$80.00} every single month since XX/XX/XXXX. In XX/XX/XXXX, I received a statement showing a principal balance of {$1900.00}. Upon calling XXXX XXXX, I was informed for the first time that the XXXX had enrolled me in a XXXX-month deferred interest promotion instead of the XXXX-month timeline I requested. Because the XXXX-month mark passed in XX/XX/XXXX, hundreds of dollars in retroactive interest were dumped onto my account, completely swallowing my monthly {$80.00} payments. I have attempted in good faith to resolve this issue directly with both parties, but I am being given a classic corporate runaround. When I contacted Citibank XXXX XXXX, the XXXX told me that I needed to speak with a XXXX XXXX XXXX XXXX because they are the ones who can correct it on their end. However, when I called XXXX XXXX and even physically went into the store to speak with them, XXXX refused to help, stating they can not do anything about it because the XXXX-month promotional window passed over a year ago. Neither company is taking responsibility for the fact that a store XXXX directly misrepresented the financing structure, and that the {$68.00} minimum payment actively reinforced that misrepresentation. I am requesting that Citibank review this case, honor the XXXX-month timeline originally promised, and waive all retroactively applied interest.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I signed up for an XXXX credit card. Once I received the card and read the terms I immediately cut the card up. I never activated the card. XXXX keeps sending me statements saying I owe {$25.00}. How can I owe on a card I never activated? They also say that this is a collection attempt. This is fraud pure and simple.

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 2026-07-15 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:
My name is XXXX XXXX XXXX, and I am a United States Navy veteran. On XX/XX/year>, I deposited a U.S. Treasury check in the amount of {$65000.00} into my Wells Fargo account ending in XXXX. This check represents XXXX months of retroactive XXXX back pay from the Department of Veterans Affairs. Despite this being a verified, government-issued check, Wells Fargo placed a XXXX % hold on the funds until XX/XX/year>. On XX/XX/year>, I went in person to the Wells Fargo branch in XXXX XXXX, California, to request a manual review. I presented the XXXX XXXX with my physical ID and my official VA award letter, which details the exact monthly breakdown matching the check to the XXXX. I explicitly requested that the XXXX XXXX and a XXXX XXXX XXXX named XXXX utilize the secure Treasury Check Verification System ( TCVS ) to confirm the check 's legitimacy. Both XXXX refused to review my VA documentation or utilize the TCVS system. During the call, XXXX claimed there was " suspicious activity '' occurring at the issuing bank and stated that they would look into it for me with an answer by XX/XX/year> ; however, he still refused to manually release any funds. Wells Fargo has failed to comply with Regulation CC ( Expedited Funds Availability Act ) by withholding XXXX % of the funds. They are legally required to make the first {$6700.00} of a U.S. Treasury check available on the next business day. Furthermore, the provided hold notice is inadequate and fails to provide a specific, legally mandated reason for the hold, stating only " Deposit Hold '' without explanation. I am requesting the immediate release of the remaining balance of my U.S. Treasury check. Furthermore, I request that Wells Fargo provide a formal explanation as to why their branch managers and supervisors are unwilling to utilize the Treasury Check Verification System to verify government-issued funds for veterans.

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a formal complaint against Bank of America N.A. ( XXXX, NC ) for engaging in an unauthorized, deceptive financial practice known as forced currency conversion ( routing code : XXXX XXXX ) on an incoming international wire transfer, which resulted in significant, unconsented financial loss. On XX/XX/year>, a cross-border wire transfer of exactly {$50000.00} USD was initiated from my bank in XXXX ( XXXX XXXX XXXX ) via their XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) New York ( XXXX : XXXX ). The transaction was successfully processed and validated through the XXXX XXXX network under the modern XXXX XXXX / XXXX standard with the XXXX XXXX-XXXX XXXX XXXX ( XXXX ) : XXXX. As proven by the given XXXX XXXX XXXX confirmation log, the originating instruction strictly locked the transaction currency attribute as XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX '' XXXX The destination account at XXXX XXXX in the XXXX XXXX XXXX ( XXXX XXXX is also a designated USD denomination account ( Account Number : XXXX ) There was absolutely no mandate, permission, or business necessity to convert this currency at any stage of the routing chain.However, upon intercepting the wire as a clearing/intermediary agent, Bank of America N.A. ( XXXX, NC ) unilaterally stripped away the locked XXXX XXXX XXXX XXXX XXXX utilizing an automated internal mechanism labeled " XXXX XXXX '' ( XXXX XXXX XXXX XXXX ), Bank of America forced an unauthorized conversion of the principal USD amount into XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), applying an aggressive, non-transparent retail foreign exchange markup Because the XXXX XXXX is strictly pegged to the US Dollar at a central benchmark rate of XXXX, a standard settlement of {$50000.00} USD should yield approximately XXXX XXXXXXXX before standard, flat correspondent banking fees. By passing along only XXXX XXXX, Bank of America manufactured an abysmal exchange rate of roughly XXXX, generating an immediate, predatory conversion loss of XXXX XXXX ( approx. {$1000.00} USD ) The intermediary bank has offered a nominal " goodwill gesture '' of XXXX XXXX, which is operationally unacceptable as it forces me to absorb the vast majority of a loss created entirely by their unconsented system intervention.Bank of Americas actions represent a clear breach of XXXX XXXX structural payment instructions, an abuse of its intermediary clearing positioning to extract hidden XXXX XXXX, and a deceptive financial practice executed without consumer disclosure or opt-out rights

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 2026-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am submitting a complaint against Ally Financial for inaccurate account management and threatening standard credit reporting violations. On XXXX XXXX XXXX, I legally sold my vehicle to a dealership, XXXX XXXX XXXX XXXX of XXXX. On that exact date, the dealership processed the full vehicle payoff amount over the phone. Today is XXXX XXXX XXXX. Only 24 days have passed since the vehicle transaction took place. Despite this, Ally Financial has marked my account as " 30 days late '' for the month of XXXX. This calculation is mathematically impossible and factually incorrect. Because ownership transferred to the dealership on XX/XX/XXXX and payment was authorized on that date, I am not responsible for delayed processing timelines between the dealership and Ally Financial. Furthermore, Ally 's automated systems are violating standard industry definitions of delinquency by projecting a 30-day late status prior to 30 actual days elapsing. I am requesting that Ally Financial immediately : 1. Cease all past-due notices and automated late penalties.Freeze the account status to protect my credit profile while the pending dealer payment finishes routing.Apply the payment effective XXXX XXXX XXXX and close the account with a XXXX balance.

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