vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Consumer Complaint Narrative Issue : Deceptive Overdraft Practices/ Failure to Resolve Dispute Financial Institution : U.S. Bank Disputed Amount : {$1600.00} {$2000.00} ( Incurred XXXX ) I am filing this complaint because U.S. Bank has failed to resolve a severe, systemic issue regarding unfair fee practices, and branch-level escalation has been unsuccessful. 
Between XXXX and XXXX, U.S. Bank engaged in deceptive practices by intentionally holding authorized-positive merchant transactions for up to 9 days. This created an artificial " Authorized Positive, Settled Negative '' ( APSN ) trap, delaying transaction processing to trigger cascading overdraft fees on accounts that had sufficient funds at the time of purchase. 
These intentional processing delays stripped away my necessary living expenses and caused XXXX  financial hardship. Because the bank refused to correct these unlawful fee traps during direct disputes, I am requesting that regulators intervene to compel an executive-level review. 
Desired Resolution : Full restitution and refund of all $ XXXX in unlawfully assessed overdraft fees, plus applicable 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX My daughter accompanied me to the citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX approx. XXXX XXXX She assisted me with depositing {$200.00} ( XXXX bills to be exact ) into ATM # XXXX. The machine gave us a message that ot couldn't read the bills. Upon returning the money, the machine door wouldn't open. Then it gave us an error saying it can't accept cash right now. My daughter went to find a manager. He told her since she has an account to send me money and attempt a withdrawal. She sent me {$20.00}. When we tried again at the same ATM machine it made the sound but didn't open. It then gave an error message it can't dispense or accept cash right now. My daughter found the manager and he said it was nothing more he could do. He would have to call citibank and they would send someone to fix the machine but he didn't have a timetable for when XXXX would arrive. He gave us a card with the ATM # XXXX on it and said to call them and they could honor the error and deposit the funds. I called them as I was leaving and made the complaint. They looked into it and told me they don't see the transaction and therefore can't honor the deposit. They gave me the {$20.00} my daughter sent saying they can see that deposit. I keep appealing this decision and they keep crediting me the {$200.00} just to take it back saying they don't see the deposit. It keeps putting further strain on me financially because then I have to find a way to make up for that amount. Every time I appeal it, I tell them do not deposit it until the issue is resolved. They keep depositing it. I went to the bank in XXXX and they put in an appeal. They told me they can check the deposit for that day to see if it was over the amount for that day, plus the cameras at the branch and XXXX atm. I also went home and made another appeal with the additional information presented to me. I also faxed over a letter explaining what happened with the pictures my daughter took of the atm error messages. They are no help and keep denying my appeals. I'm elderly and physically XXXX. My daughter was my witness. We have had our accounts for years. She's the one that put the {$200.00} into the account while I stood there because my rollator was blocking the line. Please help me in receiving a resolution to this matter. Thank you in advance for your help. Have a blessed and safe day everyday.

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Hello, Received a letter saying I owe XXXX $ from XXXX XXXX, Reference number XXXX Account XXXX. 
Which is not correct and I am disputing this charge, I havent used dental service with XXXX XXXX. 
If was I had insured at all times. 
This is false and charges. 
Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My Imagine credit card account was closed several months ago. XXXX of the primary reasons for the closure was XXXX refusal to remove the annual fee and other fees charged to the account. 

Although the account has been closed for several months and the card is no longer available for use, Imagine has continued to assess annual fees and related charges. Imagine has also refused to enroll the remaining balance in an affordable payment plan. 

I am requesting that all annual fees and any other related charges assessed after the account was closed be removed or reimbursed. I am also requesting that Imagine provide a reasonable and affordable payment plan for the remaining legitimate balance. 

It is unfair to charge annual fees on a closed account when the card can no longer be used. Please review the account, remove or reimburse the disputed fees, provide an itemized statement of the remaining balance, and confirm the available payment-plan options in writing.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was traveling in XXXX XXXX in XXXX. I told my bank, US Bank, that I will be using my atm card to withdraw cash while I was there. On XXXX I attempted to withdraw {$240.00}. With fees and conversions it came out to {$240.00}. While making the transaction I decided to cancel it. The transaction was confirmed canceled on the screen. When I checked my US Bank mobile app, it told me the transaction was pending. I called the international number for US Bank immediately that same day and inquired about this pending withdrawal. They informed and assured me that it was temporary and that it would drop off in a couple days. Instead of dropping off it was debited to my account 5 days later. Once I returned to the USA, on XXXX I filed a formal dispute in the amount of {$240.00}. I was provisionally credited this amount on XXXX I received a letter from US Bank on XXXX with the reference number XXXX that my fraud dispute was denied. And that my account would be debited the full amount of {$240.00}. I called on XXXX to reopen the case and they said they would. My account was debited {$240.00} on XXXX. I called again on XXXX and was told that the case was closed and that it could not be reopened. I inquired if they had video footage etc. of the actual cash being taken and they repeatedly told me that it wasn't their responsibility. I spoke with a supervisor named XXXX XXXX who was rude and abrupt. He told me basically to take it or leave it. I believe this is a fraudulent on US Bank 's part to leave this investigation as is. And not pursue further action to remedy the situation in which {$240.00} was taken from my bank 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 explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX, I logged into my Synchrony bank account to check to see if a payment posted on my OnePay CashRewards Card. The app said that all 7 store card accounts I have with Synchrony bank were closed. I figured this must be a computer glitch, so I called the Synchrony bank customer service line. They stated that all of my accounts were closed due to me being a credit risk. I was extremely confused by this, because they had just increased the credit line on this card on XXXX from {$2500.00} to {$4000.00}. I asked if I could speak to someone in their credit risk department, and they said there was no such person and that I would get a letter. I received an electronic letter by email that stated the reason for their decision in closing the account was due to " Activity on accounts ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. This confused me even more, as I've never had a late payment on any of my Synchrony accounts, and they've been open for years. I also pay the balance on this account monthly, and rarely have an outstanding balance. I have a good credit score, with no late payment on that either.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Received a letter on XX/XX/XXXX stating my Citibank card was overdue. I do not have an active card, closed an account with them in XXXX and have never requested another card. Tried to speak to multiple employees since then but unable to speak to someone with comprehension in XXXX. Who ever took out this card has apparently charged over {$5300.00} in home improvement stores, citigroup sent me a statement but did not contain any details on charges. I have never received this information, never received the card or any statements of charges due. 
When I called the attorney general of ohio, I was instructed to contact you. I was told to get to police report of fraud which I did and to submit a complaint to your organization. Additionally I wrote a detailed letter to the CEO of Citigroup describing this situation, send certified mail and was delivered to her on 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 2026-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Rausch & Sturm - attempted to have me served but the address they served was not my residence and was my son 's - Person who provided the documents did not even ask my sister their name and gave her the documents and this property was on secured grounds that he could not have gained entry without a gate code or approval to enter the property by resident.

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 2026-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC.
State: NJ

Complaint narrative:
I received a letter in the mail on XX/XX/year> dated from XX/XX/year> from XXXX XXXX XXXXXXXX with the address labeled " XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX '' I have a membership with XXXX XXXX and had an overdue maintenance fee ( that they claim they contacted me about, but I received no voicemails or letter in the mail regarding this ) until I received this letter today ( XX/XX/year> ). Upon calling the number on the letter ( XXXX ) I was directed from an automated payment system by XXXX to a representative for a collections company called Pinnacle. 

There is no where on this letter that mentions the name of the collections company or their address, nor a place to refute the debt, and this is the first letter I have received from anyone regarding any debt, even though it was already sent to a collections agency. 

It says at the bottom " This communication is from a debt collector in an attempt to collect a debt, and any information obtained will be used for that purpose '' but nothing of the actual name of the debt collector or their information or any place to refute it, and it looks like it was sent the company I have a membership with ( XXXX ). 

The company I have my membership with claims that they left several voicemails since XXXX of XXXX to contact me about this debt, but I did not receive any voicemails from them, and I had spoken to someone in XXXX about my scheduled trip and no one mentioned anything to me. I did not receive anything in the mail, nor received any voicemails until this letter I got today. I missed a call from XXXX  today, which is why I called them back and then saw I received this letter while I was grabbing my mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citis online portal is currently showing that I have a Minimum Payment Due of {$9300.00}. I am unable to make this payment because a significant portion of the balance consists of disputed transactions that are still under review and are not my responsibility. 

Citi currently owes me more than {$30000.00} in disputed credits that remain unresolved. These disputes are still pending review, and I have also filed a complaint with the CFPB and am pursuing arbitration-related remedies. 

Additionally, Citi has not provided me with a copy of the arbitration agreement. The agreement should be available through my account records and has also not been provided by mail, despite my request. Providing the arbitration agreement is necessary for me to proceed with arbitration, as it contains the terms and procedures governing the process. 

I am requesting that Citi place appropriate consideration on the disputed balance, provide a written explanation of the minimum payment calculation, and provide the requested arbitration agreement and documentation regarding the status of my disputes.

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 2026-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I received a fraud alert form XXXX XXXX  for an unauthorized charge with IC Systems representing XXXX XXXX. I called the number provided and was only told that they didn't know exactly what it was for. I then contacted XXXX Customer Service and was told they could not give any information as the account was closed. 
IC Systems did in fact take {$300.00} from my account on both XX/XX/XXXX and XXXX XXXX. I've never done any sort of business with them and want to know if XXXX XXXX gave out my private and personal banking information or how they got ahold of my account information. I continued to receive text messages from IC Systems after the payment was made simply to not get it sent to collections. 

On XX/XX/year>, I received a collection notice from my personal XXXX XXXX XXXX. The {$300.00} was in fact paid and I was still sent to collections I'm asking XXXX XXXX and IC Systems to cease and desist the action as it has caused great harm to my credit report. Neither business could or would tell what this charge was for after asking multiple times and being alerted to fraud from XXXX XXXX. 

IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Please dont be careful with US Bank They keep blocking my online banking without no explanation .. they never send the fesical card on mail .. the digital card stop working making my business slow down on making payments on time i have to pay late fees because of this problem .. {$500.00} on late fees. 

In top of the on Friday i had a argument with the manager because they block my online banking without telling and he send the police to my house i have it on video and audio recording All the us bank employee then dont know nothing went it come to problems is like they tell you go XXXX yourself

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 2026-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
What Happened : I am the co-signer on a residential lease with XXXX at XXXX Apartments. The primary lessee ( my daughter ) completed XXXX consecutive lease terms and submitted proper written notice to vacate. On XX/XX/XXXX, the XXXX XXXX XXXX confirmed in writing that the notice to vacate was received and processed for a XX/XX/XXXX move-out date. 
On the move-out date, all keys, fobs, and access devices were physically returned to management. A video walkthrough was conducted documenting the unit in clean, undamaged condition. No holdover tenancy occurred. 
No invoice, billing statement, or written demand for any outstanding balance was ever sent to the lessee or co-signer at any point after move-out. Approximately XXXX months later, on XX/XX/XXXX, Pro Collect received this account from XXXX at XXXX and reported a collection/chargeoff of {$1600.00} to all three credit bureaus with no prior notice to us whatsoever. 
When contacted, the current management company stated they do not have the original lease agreements or move-out inspection records due to a management transition. Despite having no documentation to support the charge, the debt was still placed into collections and reported to my credit. 
Pro Collects CFPB response on XX/XX/XXXX was closed with explanation, not with relief. No proof of debt has been received. I submitted evidence via email to XXXX on XX/XX/XXXX, including the written vacate confirmation, key return photograph, and walkthrough video. I am requesting full deletion of this account from all three consumer credit bureaus.

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
Shellpoint Mortgage has refused to apply {$2200.00} OVERAGE escrow since XX/XX/XXXX. When i call they say it will be applied to mortgage payment. OVERAGE has never been applied or check sent to me.They lie and decieve me. The OVERAGE is XXXX times my mortgage payment of {$810.00}. Moreover, they are stacking MONTHLY property inspection fees every month and dispersement fees. I called Shellpoint Friday XX/XX/XXXX to ask them why they returned a CHECK for {$810.00} XXXX XXXX XXXX. The money was in the bank to cover the check. Shellpoint told me there are charging me {$600.00} in legal fees and proceeding with foreclosure. On friday XX/XX/XXXX i asked to pay {$810.00} mortgage payment, BUT would not allow it. XXXX has recently become investor of this loan XXXX XXXX XXXX Has there been a Document filing with XXXX XXXX??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting a complaint regarding {$4800.00} in deferred interest charged to my Home Depot Consumer Credit Card issued by Citibank. 

In XX/XX/XXXX, I made a promotional purchase of {$5900.00} with a 24-month deferred-interest period. I intentionally established a $ 500 monthly AutoPay because I believed this amount was more than sufficient to pay off the original promotional purchase before the promotion expired. 

I consistently made my payments and my account was not past due. However, additional purchases and promotional balances were subsequently added to the same account. I did not understand that my fixed $ 500 monthly payments could be allocated to other balances rather than consistently reducing the original {$5900.00} promotional balance. 

My XX/XX/XXXX statement shows that the original XX/XX/XXXX promotional balance was still {$5900.00}, despite my {$500.00} AutoPay. The payment activity that month was applied to other revolving and promotional balances while the 24-month promotional balance received no reduction. 

By XX/XX/XXXX, {$3900.00} remained on the promotional balance. My {$500.00} payment that billing cycle was split, with {$470.00} applied to the promotional balance. The promotion expired XX/XX/XXXX. 

On XX/XX/XXXX, Citibank charged {$4800.00} in deferred interest. My statement showed a {$0.00} past-due amount. 

Once I understood what had occurred, I immediately paid the account balance. I have also attempted to contact the company by phone but have been unable to obtain a meaningful review of the payment allocation and deferred-interest charge. 

I understand the terms of a deferred-interest promotion require the promotional balance to be paid in full by the expiration date. However, I had deliberately established a XXXX XXXX monthly AutoPay specifically believing it would pay a {$5900.00} purchase well before the 24-month deadline. I am requesting a detailed review of how my payments were allocated during the promotional period and a one-time reversal and refund of the {$4800.00} deferred interest charge.

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