vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I contacted Omni Financial to secure a short-term loan of approximately {$2000.00} to cover essential living expenses due to a government shutdown. During the application process, the representative utilized severe high-pressure sales tactics and emotional manipulation to aggressively steer me away from my requested amount. The representative repeatedly implied that I would not be approved for the smaller {$2000.00} amount, suggesting that I had to take a much larger loan to secure approval. Furthermore, the representative explicitly leveraged my family situation against me, using high-pressure guilt tactics regarding the upcoming holidays, telling me to " think about my kids and presents '' to force compliance. As an XXXX servicemember facing financial uncertainty during a government shutdown, I felt coerced into accepting a loan amount far beyond my financial needs. While I expected the loan to be for {$9900.00}, the statement shows an " Original Principal Amount '' of $ XXXXindicating a {$500.00} discrepancy or hidden fee added to the principal without my consent. The interest rate is an astronomical 32.268 %. To date, I have made seven consecutive monthly payments of {$460.00} each, totaling {$3200.00} out of pocket. Despite this, my remaining balance as of XX/XX/XXXX, is still {$9200.00}. I am filing this complaint because I believe Omni Financial engaged in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by exploiting a government emergency, misleading me about loan approval qualifications, and using predatory emotional manipulation to heavily inflate my debt load for their own financial gain.

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 2026-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citibank Global Transfer from my own US Citibank account to my own Citibank UAE account keeps auto-rejecting. I have spent more than 10 hours this week in endless escalation loops with Citibank " US '' call centers without information or resolution. Citibank is blocking access to my own funds and the call centers are unable to provide information, escalate or resolve.

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 2026-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I am filing this complaint against Wells Fargo for an unlawful, wrongful repossession of my vehicle, severe violations of state and federal notice requirements, and the subsequent reporting of inaccurate, damaging information on my credit files. 1. Background and Bank-Side Error : For approximately one year, my auto loan payments were successfully processed via automatic monthly deductions from my bank account. Without any action, request, or fault on my part, Wells Fargo abruptly ceased pulling these scheduled payments. When I discovered the issue during a separate credit inquiry, I immediately contacted Wells Fargo to rectify it. At that time, Wells Fargo customer service representatives explicitly informed me that they could not assist me because I " was not in their system '' and my account could not be located. My account was effectively lost in an internal bank glitch, preventing me from making payments despite my proactive attempt to resolve the issue. 2. Complete Failure of Statutory Notice : For nearly a year following this system error, I received zero communication from Wells Fargo. The bank failed to send a single billing statement, past-due notice, or state-mandated " Right to Cure / Intent to Repossess '' letter. While on vacation out of state, my vehicle was abruptly impounded by an agent sent by Wells Fargo. At no point prior to, during, or immediately after this seizure did I receive any legal correspondence regarding the repossession, the location of the vehicle, or my rights to redeem the property. Only months after the vehicle was taken did I begin receiving collections calls from Wells Fargo. 3. Unlawful Repossession and Inaccurate Credit Reporting : Because the default was entirely manufactured by a documented Wells Fargo administrative and technical failure, and because Wells Fargo completely bypassed mandatory state and federal consumer notification laws, the seizure of this vehicle constitutes a wrongful repossession. Furthermore, Wells Fargo is currently reporting this account on my credit bureaus as a " Charge-Off / Repossession '' with a remaining deficiency balance that has recently fluctuated from {$27000.00} to {$22000.00}. Because the underlying repossession was unlawful, Wells Fargo has no legal right to pursue a deficiency balance, nor do they have the right to report this damaging, inaccurate status to the credit bureaus under the Fair Credit Reporting Act ( FCRA ). Attached is a screenshot of the credit reporting grid. It shows a perfect payment history until XXXX when Wells Fargo 's system glitched, and an auction payment applied on 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 2026-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-21 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I had purchased a XXXX owner timeshare on XX/XX/year>. They opened a XXXX barclay revolving credit card to fund an immediate purchase. At the time I thought they were checking my credit score for a loan. After they said i was approved for the high interest rate credit card I voiced my concern. He said that's what we discussed but I don't recall him going over it. I ended up returning to cancl the timeshare the following day. I was pressured to but the XXXX XXXX and told them I didn't want the credit card and they told me not to activate the card and they would cancel the other down payment. After I got home I went to cancel the credit card and it stated a balance of XXXX which I did not authorize. When i tried to call to cancel the XXXX membership and have the amount charged to the card removed they said i missed the 3 day cancelation deadline. I just want to cancel the membership and have the money removed from the card so I can cancel the card.

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 2026-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I am disputing the accuracy of the entire payment and default history for this account. The delinquency on this loan was entirely manufactured by Wells Fargo 's internal banking and payment processing systems. XXXX. Systemic Auto-Pay Failure : In XXXX, Wells Fargo abruptly and without authorization stopped pulling the recurring automatic payments from my linked Wells Fargo checking account. This system failure caused the loan to lapse into delinquency through no fault of my own, and without any warning or outreach from the lender. XXXX. Complete Lack of Required Notice : I never received a right-to-cure notice, acceleration letter, or repossession notice regarding this delinquency. The account was silently pushed into a " Charge-off '' status due to the bank 's automated payment processing breakdown. XXXX. Unexplained, Unstable Balance Reporting : This account was directly impacted by the widespread auto-servicing failures penalized under the XX/XX/XXXX CFPB Consent Order against Wells Fargo XXXX This is proven by the bank 's own conflicting credit reporting data : on XX/XX/XXXX, the bank reported a balance of {$27000.00}, but on XX/XX/XXXX, the balance was changed to {$22000.00}. The bank stripped away over {$5000.00} in unearned fees/interest to quietly audit their internal books, yet they have failed to fix the wrongful default status itself. Attached are screenshots of the credit reporting grid. It shows a perfect payment history until XXXX when Wells Fargo 's system glitched and an auction payment applied 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 2026-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i Hve not authorized anyone to open an account in my name with XXXX XXXX XXXX. Please remove this erroneous 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 2026-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TekCollect Inc.
State: MI

Complaint narrative:
I recently checked my credit profile and saw a collections on my profile. I have excellent credit I have never been late nor applied for credit. looks like someone has opened credit in my name with a dentist. I need this to be removed immediately. I also reached out to them to stop contacting me I told them I was not responsible for this debt. I need help asap the company is TEKCOLLECT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
i will attach documents containing the requested information from the institution and proof that every request was met to the max in a timely manner. The from the last time i made a report it had pushed USbank to take steps to essentially close my account, but in doing so they still have no released the funds that they have absoluetly zero claim to. All proof of origination as well as identity related matters have been sent and they are just doing the most at this point. Whenever attempting to contact them regarding the situation now all i get is run around in circles with no sign of any sort of 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 explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
What happened : My online access was disabled after I made a routine {$30000.00} transfer from my savings account to my checking account to pay my XXXX state taxes for XXXX. This was a transfer between my own accountsnot an external or suspicious transaction. I have been a Wells Fargo customer since XXXX and am currently in XXXX caring for my XXXX XXXX mother. I am unable to travel to the XXXX XXXX or visit a branch in person. My attempts to resolve this : I have called the XXXX team no fewer than XXXX times over the past several weeks, explaining the situation each time. The only option they provide is for me to visit a local branch with my state issued ID and I am unable to do this as I am in XXXX. The impact : I am currently unable to : Monitor my account activity Pay bills, including my mortgage Wire funds to XXXX to cover expenses while caring for my mother I have no way of checking if my tax bill has cleared. I dont even know if this is legal for the bank to do this. I am under severe emotional distress and unable to operate ongoing transactions while caring for my parent. I am shocked at the absolute lack of consideration while I am going thru a critical family emergency. My daughter, who holds XXXX accounts within our five-account portfolio, has scheduled an appointment at the XXXX XXXX XXXX for XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX I am prepared to join that appointment by phone or video call and provide any verification the bank requires At this point I have no confidence that the bank is able to resolve this situation for me, therefore I request your intervention and help that can be provided.

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 2026-06-21 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: FL

Complaint narrative:
This is in response to CFPB Complaint # XXXX and XXXX. Citibank responded back with generic response questions and this matter has not been resolved. To provide an update, I received a letter from Citibank with my final checking account statement, which shows that the check that I deposited on XXXX XXXX XXXX of {$8300.00} cleared on XXXX XXXX XXXX Not having access to my funds have already caused a serious financial hardship. My balance as per the statement is {$8600.00}. I was able to obtain a receipt/proof from my former employer, XXXX that the legal settlement check that I deposited has already cleared with Citibank and also has cleared from their bank which is XXXX XXXX XXXX The attachement also shows the exact check deposited into Citibank.

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 2026-06-21 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 Tuesday, XX/XX/year> funds were wired from the closing company to a joint checking account I share with my husband from the sale of a home. Everything was fine until Saturday, XX/XX/year>. We attempted to purchase a phone, and the store canceled the order due to an inventory issue. The store told me to replace the order online, and they would be able to fulfil that order. However, I was advised incorrectly, and there was still an inventory issue. The store then advised me to place the order for shipping instead of in-store pickup. We did. However, USAA stoped the transaction and locked the checking account after that attempt. I attempted to call USAA, and the fraud representative kept me on the phone for over an hour, placing me on hold for extended periods of time. There were around 6 different times I was placed on hold. I felt very mistreated and did not get a chance to explain my situation. The representative was hard to hear despite me telling him numerous times and made no effort to apologize or correct the issue. I was forced to wing it and try to hear him to the best of my ability. The result of that call was all of my checking and savings accounts being frozen and at the end it sounded like he said any payments that were in process before the freeze would be my responsiblity if there were any return fees since they would no longer process now. This puts me in a bad financial spot as I have large amount of bills pending via ACH. He refused to let me escalate saying there was no one else I could talk to and basically he was the last stop. I have no resolution and no access to my money. This is likely going to cause imminent financial harm and potential credit damage due to returned payments, causing late payments on credit cards, housing, etc. I was trying to order a phone and the manufactuer has/had a promo going on where you get {$150.00} off the phone if you order through XXXX. As well as additional money off. I will likely miss out on that. I've attached the HUD Closing Statement proving the sale of my home, which I should not have to. This is none of USAA 's business as it does not concern them. Invasion of privacy. Also, attached documentation showing the XXXX order receipts, confirmation of store pickup and then cancelation.

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 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/XXXX, I made XXXX authorized XXXX transfers totaling {$46000.00} ( {$31000.00} and {$15000.00} ) from my personal XXXX XXXX account into a new savings account I had opened with Digital Federal Credit Union ( DCU ), a division of First Technology Federal Credit Union. On XX/XX/XXXX, DCU restricted my account and froze access to these funds, initiating an internal review. Over the following XXXX months, I made repeated attempts to obtain information from DCU, including phone calls on XX/XX/XXXX, XXXX, and XX/XX/XXXX. I received no answers regarding access to my funds, why my account was restricted, nor any proactive communication from DCU ; all contact was initiated by me. I also sent a formal written request for resolution on XX/XX/XXXX. On XX/XX/XXXX, DCU responded to a prior CFPB complaint ( case # XXXX ) stating that I had told them on XX/XX/XXXX that the {$31000.00} transfer was unauthorized. This is false. I have DCUs own transfer confirmation emails dated XX/XX/XXXX and XX/XX/XXXX, proving I scheduled both transfers myself through DCUs online banking system. DCU declared the matter resolved despite the fact that my funds had not been returned. I disputed this response in writing on XX/XX/XXXX, and again via certified letter, requesting documentation supporting their claim and asking for the return of my funds. DCU has not provided any supporting documentation. I subsequently filed a related complaint with the XXXX, which redirected the matter back to CFPB ; that complaint was closed as a duplicate of case # XXXX. I am filing another claim as this is not resolved as DCU states. I still do not have my funds and my originating bank states they have no record of DCU attempting to return the funds, as they claim. On approximately XX/XX/XXXX, I contacted XXXX XXXX directly. XXXX reopened my dispute claim ( claim # XXXX ) and confirmed they contacted DCU, giving DCU until XX/XX/XXXX to return the funds and respond. I am filing this complaint to ensure CFPB has the current status of this matter while that deadline is pending, and because XXXX prior resolved response to CFPB was inaccurate my {$46000.00} remains unreturned as of this filing. I am requesting XXXX assistance in ensuring DCU returns my funds and provides the documentation I have repeatedly requested. I have added additonal correspondence to the documents that includes DCU 's last response to me blaming XXXX not following up, and my demand letter to them.

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 2026-06-21 00:00:00
Product: Mortgage — FHA 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: U.S. BANCORP
State: OK

Complaint narrative:
My mother passed away unexpectantly in XX/XX/year>, I tried communicating with the mortgage company about payments but they would not give me the information. I filled out the Successor in Interest form and provided all documents they asked for but it still wasn't enough. I opened a probate case in court and sent it to them. Foreclosure was filed on the home. I asked about loss mitigation options but was never given anything in writing. I asked for them to formally give me something in writing but they verbally said I could repay an amount for three months while under review. But thst it probably wouldn't be approved. I asked what yhe next thing would be that I could do since they said it wouldn't be approved? On the application it asked if I wanted to keep or sell the property or if I was undecided. So I asked to pursue all possibilities simultaneously and they said I could resubmit the same application to apply to sell the property. But they still hadn't given anything in writing. They said thst a notification would be sent to me on updates. I asked what kind of notification and they stated that it would be sent through the portal. I asked what portal? As I dont have access to any portal. I then adked if I could obtain access to the portal and they stated since the account was delinquent that I couldn't get access to the portal but that I would have to call XXXX to XXXX times a week for updates. Then I found out once my application for the short sell of the house was applied for that it dismissed my loss mitigation application for a repayment plan that probably wouldn't be approved per FHA guidelines. So now i'm at a crossroads and don't know what to do from misinformation received.

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 2026-06-21 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: AZ

Complaint narrative:
I WAS CHARGED MAINTENANCE FEES UNOTHORISED BY WELLS FARGO BANK FOR YEARS AND YEARS. I MADE PAYMENTS AND WANT TO RECOVER MAINTENANCE FEES UNOTHORISED BY ME. THE BANK CANCELED MY ACCOUNT AFTER OVER 20 PLUS YEARS. ALWAYS KEPT MY PAYMENTS CURRENT ON THEIR CREDIT CARD AND BANK ACCOUNT. THE GOVERNMENT AUTHORIZED BANKS TO RETURN ALL UNOTHORISED MAINTENANCE FEES.

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