vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 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: NJ

Complaint narrative:
On XX/XX/2026, I processed a credit card product upgrade from my existing Citi AAdvantage Gold card to the Citi AAdvantage Platinum Select card. During this recorded interaction, the Citibank representative explicitly detailed XXXX distinct terms of my upgrade : XXXX. Because I was an existing customer and not a new applicant, I was not eligible for the XXXX XXXX XXXX sign-up mileage bonus. XXXX. However, I was fully eligible for the promotion waiving the annual fee for the first year - meaning my XXXX-year fee would be {$0.00}, followed by the standard {$99.00} fee in subsequent years. A {$99.00} annual fee has now been erroneously charged to my statement early, in contradiction of the information previously provided to me. I contacted customer service and spoke with a supervisor by the name of XXXX on XXXX, XXXX. He stated they could not honor the promotional fee waiver promised during my upgrade and that there was no further resolution options that he could assist me with.

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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I was looking through XXXX for quick payday loans. I was referred to lending sites where i added my information. I never signed anything or documents to accept a loan from My Quick wallet. I kept receiving calls and text from this company to accept the loan. I never responded. A week later i see that they randomly deposited XXXX into my account somehow. I had to close that account because they started charging me for it I told XXXX XXXX XXXX about the issue. They said they would send the money back to the company and call them, but they keep telling me the company does not respond at all. This is a complete TRAP. I was scammed. I call the company many times to talk to someone i hear back from different people each time. I looked the company up and people say it is a complete scam.!

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : * The name and address of the original creditor. * The amount of the alleged debt, including an itemization of any interest, fees, or other charges. * Documentation showing that I am legally responsible for this debt. * A copy of any judgment, if applicable. * Proof that your agency is authorized to collect this debt. Until you provide the requested validation, I request that you cease collection efforts regarding this account as required by applicable law. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I reserve all rights available to me under federal and state law. Please send your response in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
8 Calls over the last 7 days. 15 over the last 14. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/year> 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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am disputing the accuracy of the collection accounts being reported by XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) and IC System ( original creditor : XXXX XXXX XXXX ). I filed XXXX XXXX bankruptcy and received a discharge. These accounts are currently being reported as collection accounts on my credit report. I believe the reporting may be inaccurate because the accounts should reflect their proper bankruptcy status, including any discharge information, if applicable. I am requesting that the credit bureau investigate these accounts, verify their accuracy with the furnishers, and ensure that all information is being reported in compliance with the Fair Credit Reporting Act. If the accounts can not be properly verified or are being reported inaccurately, I request that they be corrected or removed from my credit report. I have reviewed my credit report and am requesting a complete investigation into the reporting of these accounts.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding ProCollect Inc. 's reporting and collection of an alleged debt that Iformally disputed. After discovering this collection account on my credit reports, I sent ProCollect Inc. a written disputerequesting validation of the alleged debt. Specifically, I requested a copy of the original lease, contract, oragreement creating the obligation, documentation showing that the debt was legally assigned to ProCollectInc., an itemized accounting of the balance claimed, and proof that I am legally responsible for the debt. Despite my dispute, the account continues to be reported to XXXX XXXX XXXX XXXX. Thereporting of this account has negatively affected my credit profile and credit score. To date, I have not received sufficient documentation validating the debt or demonstrating ProCollect Inc.'slegal authority to collect and report the account. As a result, I dispute the accuracy, completeness, andverifiability of the information being furnished. Potential violations and consumer protection concerns include : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to provide proper validation of a disputed debt. FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Reporting disputed information without properly communicatingthat the debt is disputed. FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing information that may be inaccurate, incomplete, orinsufficiently verified. FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable investigation regarding disputedinformation. I respectfully request that ProCollect Inc. provide complete documentation supporting the alleged debt andits authority to collect and report it. If the account can not be fully validated and verified, I request that it bepermanently deleted from XXXX XXXX XXXX XXXXn and that all inaccurate reporting be correctedimmediately.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWA XXXX XXXX XXXX XXXX : CREDIT BUREAU, XXXX DE XXXX Re XXXX Request for Debt Validation Account Number : Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : * The name and address of the original creditor. * The amount of the alleged debt, including an itemization of any interest, fees, or other charges. * Documentation showing that I am legally responsible for this debt. * A copy of any judgment, if applicable. * Proof that your agency is authorized to collect this debt. Until you provide the requested validation, I request that you cease collection efforts regarding this account as required by applicable law. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I reserve all rights available to me under federal and state law. Please send your response in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, 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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I had an amount of {$3300.00} a transaction of {$2700.00} was done on XX/XX/XXXX to pay rent which left me with {$350.00} on my account then on XX/XX/XXXX my account was showing {$150.00} I spoke to a banker why it was showing this amount when I hadnt made any transactions, she explained to me cause they a hold {$200.00} for a XXXX recipient that had accidentally sent me this amount of {$200.00} and they were reversing this amount to this recipient I said fine so out of the {$150.00} so on XX/XX/XXXX same day I did some minor transactions that left me with {$120.00}, on XX/XX/XXXX same day I withdrew {$100.00} out of the {$120.00} and I was left with {$28.00} left on my account which I made a minor transaction of {$6.00} for water and some at a XXXX gas station which probably left me with less than {$10.00} on my account. Now on XX/XX/year> I check to see how much I had left and it tells me that my bank account its overdrawn {$180.00}. I called the bank for them to explain why am I overdrawn that amount, they explained to me because all those transactions were pending, but I explained how is it pending when every time I make a transaction it shows the available balance on my account. To me it seems every transaction I make the bank is putting it as pending so they can withdraw it again. Like if I have {$50.00} on my account and I take out {$10.00} it shows pending but my available balance shows {$40.00}, Wells Fargo is using this pending to withdraw it again. Wells Fargo its using this practice to scam people out their savings

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Bank needs to be investigated. I deposited a IRS check on XX/XX/year>, I then chatted in asking about the funds being put in the account. I was told in the chat and got a push notification the funds would there the next business day, which was XX/XX/year>. The funds were there, then today XX/XX/year>. They have the account in the negative saying there was a hold on the check. I have been dealing with these people all day trying to get to the bottom of it and I can not get a straight answer as to why they did this. They will not verify the check and put the funds back. It is a simple process that they refuse to do and make this mess better. The last time I deposited a check it was the same issue. After this I will be closing the account because this banks is a hot mess. Thank goodness I opened an account with another bank because this is not right. All they will say there is a confidential reason they believe the check will not be paid. So in that case they need to verify the check and put my money in my account. There is a website for verifying IRS checks. I went and verified the check myself on the website and it shows paid. And here they are playing with my money.

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 2026-07-07 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: MI

Complaint narrative:
I am filing this complaint because Citi closed my checking account and is holding my remaining funds after what I believe was an error caused by Citis system. On XX/XX/XXXX, I initiated two separate transfers through the Citi banking app, pulling funds from my XXXXXXXX XXXX account that I had added in Citi. The first transfer was for {$1900.00}, which I canceled immediately. The canceled {$1900.00} transfer did not leave my XXXX account. After canceling that transfer, I initiated a second transfer for {$1000.00} through the Citi banking app from my XXXX account. The {$1000.00} was successfully withdrawn from my XXXX account, but in Citi it was still showing as pending. Citi was showing both transfers as pending and displaying a total of {$2900.00} pending for deposit. After making the transfers, both transactions were showing as pending, so I began contacting Citi on XX/XX/XXXX to get answers. I noticed my Citi account showed a negative balance of approximately - {$1900.00}, even though the {$1900.00} transfer had been canceled and did not leave my XXXX account. I contacted Citi and was told that the issue would clear up and that I would receive my money, but I was not given a clear explanation of what happened. I have screenshots showing my account at- {$1900.00}, screenshots showing my account returning back to normal with my {$1000.00} balance, and screenshots showing my account becoming overdrawn again by approximately - {$900.00}. I contacted Citi multiple times on different days and continued receiving the same response that the issue would clear up. Before my account was closed, Citi sent me an email stating that I needed to take action regarding the issue, even though I believe the issue was caused by Citis error. I continued trying to resolve the situation. On XX/XX/XXXX or XX/XX/XXXX, I was informed that my Citi checking account had been closed. This was not communicated to me during my earlier calls. I was told I would receive a letter and a check with any remaining funds from my account, but that I would have to wait 3060 days. Approximately {$1000.00} of my money is being held, and I currently do not have access to those funds. This situation has caused financial hardship because I have been unable to pay my bills and have had to borrow money from others to cover expenses. I am requesting a full investigation into what happened with the {$1900.00} canceled transfer and the {$1000.00} completed transfer, an explanation for why my account was closed, confirmation of my remaining balance, and the immediate release of my funds if there is no valid reason to continue holding them. I am also requesting reimbursement for any fees or financial losses caused by this issue.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a postcard in the mail addressed to my maiden name from US BANK regarding a new account. The postcard stated that a new account or product was applied for using my maiden name and current address. When I called the company I had to confirm that the person in question had in fact used my social security number by giving the bank my SS number. The agent stated that they did in fact use my social security number to try to open an account online! I asked for a letter with all of the information they could provide including the location of the request. The agent did confirm that the bank declined the opening of the 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 non-monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXXcompany keep harassing for a debt thats already paid'

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 2026-07-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SLM CORPORATION
State: TN

Complaint narrative:
Im currently XXXX months behind on my student loan payments with Sallie Mae. For the past several weeks, Ive been getting multiple collection calls from them every XXXX day. I reached out to them to explain my financial hardship Im currently unemployed and actively looking for work and asked if they could temporarily pause my payments until I get back on my feet. They told me there was nothing they could do to help and continued calling me daily. On XX/XX/2026, I called them back and again explained that Im searching for a job and currently have no income to make payments. Because my account is XXXX days past due, the representative transferred me to another department. The person I spoke with there told me that if I couldnt make any payments, they would report the account again and pursue legal action against me. I felt she was threatening me to force a payment, even though I had clearly explained that I have no money right now and would need about XXXX months to get my finances in order. I ended the call after that and immediately called Sallie Mae back to escalate my complaint to a manager. The manager took down my complaint and said he would review the call recording. I also let him know that I will be looking into my own legal options regarding how Ive been treated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> a bag containing my wallet and phone were stolen from my garage. It had my Citibank debit card as well as my phone and some other cards. The citibank debit card was used to make a withdrawal of {$540.00} from the account. I filed a dispute with the bank and they credited me, however, XXXX days later they sent me a letter saying that my card and pin were used and therefore the charge is authorized. I filed a second complaint on XX/XX/year> to explain that my phone was stolen along with the entire wallet and the thieves easily accessed my phone to obtain the pin, which is inside my phone. I told them i would provide a police report and they gave me a fax number to which when i called back the third and final time, they have no such fax number to provide that document. That means the original representative lied to me and they did not want to see my proof of police report at all. When i filed the second claim to escalate, they said they would reach out if they needed to see the police report and/or a receipt of me buying a new phone a few days after it was stolen and they never called, just sent another letter saying the exact same reason as the first letter and denied my claim. I asked for the documents to show me how they came to this conclusion and she said she did not have any and that the pattern in my account was used to show. I do not even use this bank a lot nor do i EVER make ATM withdrawls.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Medical-Commercial Audit Inc
State: KY

Complaint narrative:
I contacted MCA Collection Agency regarding a debt I did not recognize on my credit profile. I was hung up on, threatened with the police for calling to resolve my debt, given the run around, and my rights were denied to dispute this debt, as I am a victim of identity theft and have had several other accounts removed from my credit profile that were fraudulently opened. I am attempting to pay my debt that I do owe but I refuse to pay for something I did not open. I have been treated poorly by this company and my issue has not been taken seriously. I would like this account removed immediately. I didnt know that attempting to restore my credit while addressing identity theft issues would result in me being treated with law enforcement simply for calling their place of business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief