vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I contacted Citi regarding a significant reduction in my credit limit. My accounts credit limit was reduced from {$12000.00} to {$4900.00}, despite having the account for only approximately XXXX months. At the time of the reduction, my balance was approximately {$4700.00}. As a result of the reduced credit limit, my credit utilization increased dramatically, negatively impacting my credit profile. I called Citi to request an explanation for the credit limit reduction and to ask whether the decision could be reconsidered. During the call, I was transferred to a supervisor. Rather than addressing my concerns or providing a satisfactory explanation, the supervisor abruptly disconnected the call before the matter was resolved. I found this interaction to be unprofessional and unacceptable. I was attempting to discuss a decision that has a significant impact on my credit standing and expected to be treated with courtesy and respect. Instead, the call was terminated without resolution. I am requesting that Citi investigate this customer service interaction, review the supervisors conduct, and reconsider the decision to reduce my credit limit. I also request a written response explaining the reason for the credit limit reduction and the outcome of both my service complaint and the credit line review.

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 2026-06-25 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: TX

Complaint narrative:
On XX/XX/year> I contacted Citibank to request an explanation of the account closure and a bank statement. I was told by a representative they cant give me either of the two items Im requesting for because the account is closed and they dont have access to give me any information about the account. I asked if an email could be sent explaining things and was told no. I told the representative that by law banks have to retain a customers records for 5 years and I have access to ask for statements. The representative said she couldnt help me with anything and I asked for a supervisor. I was told that a supervisor wouldnt help my situation because they would tell me the same thing. I told the representative that I would be filing a complaint and the call ended.

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 2026-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I am disputing these collection accounts because the same {$90.00} debt is being reported by multiple debt collectors. This appears to be duplicate reporting of a single debt, which is causing inaccurate and misleading information on my credit report. Please investigate and verify which company has the legal right to collect and report this debt. If the debt has been transferred or sold, any collector that no longer owns the debt should remove its reporting. I request that any duplicate, inaccurate, or unverifiable reporting be deleted from my credit file.

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 2026-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
we are trying to refinance, and when the refinance company asked for the payoff info, Freedom mortgage sent untrue information stating that we missed XXXX payments for XXXX and XXXX of XXXX which is true but then that we missed XXXX payments in XXXX which we did not and XXXX payments in XXXX and that we just stopped paying on our loan when we in fact had just made a payment 4 days before starting the refinance process so that isnt true either. we are struggling to catch the XXXX payments from XXXX up but those are the only XXXX payments we missed. and then saying we owe over XXXX when in fact we only owe those 2 months which is XXXX and now their saynig they put another XXXX on the home

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have spent several hours attempting to communicate with Citibank I never received the card When I call I wait for XXXX minutes on hold and when I talk to someone they are unable to assist me and tell me to call back I do not have the card and now due to poor customer service I want this account closed immediately Customer service can not help me and I can not find anyone who can help 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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America placed a total hold on a state government check from the XXXX XXXX XXXX of Georgia. I presented matching XXXX XXXX tax documentation, but branch staff refused manual verification. Furthermore, the bank refused my request for a written XXXX XXXX Hold Notice, instead handing me a generic policy booklet that does not contain my account details, the reason for the hold, or a funds availability date. This is a direct violation of XXXX XXXX disclosure requirements. When I requested the mandatory next-day regulatory minimum release for my state pension check, Bank of America XXXX XXXX XXXX told me that the bank 'does not do the federal minimum anymore. ' This statement is a direct admission of non-compliance with XXXX XXXX XXXX fund availability mandates. I am requesting an immediate corporate compliance investigation into this branch 's practices and the immediate release of my funds.

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 2026-06-25 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: NC

Complaint narrative:
On XX/XX/year>, while I was working a 13 hr shift. When I left work I noticed my debit card had been used on several transactions I locked my card and call the bank to file a fraud dispute. I was advised I would be receiving documentation from the fraud department to fill out and send back to them, to date I have never received any documentation to fill out. On XX/XX/year>, I received an email that stated you fraud claim has been resolved. None of Reg E has been followed. So I sign into my account and notice all the fraud charges have been reversed and causing me now a {$1400.00} negative balance. I called the fraud department and rep assisting me said I read you the notes from the claim processor " the charges took place in the same city and within 9 Kilometers away from your address- And so what? I was at work and have proof- but no one has followed Reg E while investigating my claim correctly. I want the entire claim reopened and reworked and giving me back my provisional credit while someone actually does their job correctly and not sweep claims under the rug!! Do your job correctly US Bank and therefore your customers won't have to report you to the proper agencies to assist 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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank has locked my checking account and is completely denying me access to my funds. The account was frozen on Thursday of last week and has remained completely locked for XXXX full days. I'm not sure exactly when the account was initially frozen because I was not informed. It has been frozen at least XXXX days. I have physically visited a Truist branch multiple times to resolve this matter in person. On these occasions, branch tellers stated there are absolutely " no notes '' on my account, leaving me with XXXX explanation, XXXX timeline for resolution, and no pathway to verify my identity or authorize my transactions. The freeze appears to be related to standard, legitimate peer-to-peer transactions ( XXXX XXXX / XXXX ) that I XXXX myself. Holding my entire livelihood XXXX for a week without providing internal notes, a department transfer, or a clear administrative path to verify my identity constitutes an unfair banking practice. Frontline staff are completely unequipped or restricted from resolving this, and Truist is acting in bad faith by cutting off my access to essential funds for daily survival.

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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Citibank , N.A . Violations of Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX Regarding Unauthorized {$30000.00} Account Takeover Complaint Details : I am submitting an expedited complaint against Citibank , N.A . for explicit violations of Federal XXXX XXXX ( XXXX CFR XXXX ) error resolution requirements and illegal timeline extensions. On XX/XX/year>, my personal consumer savings account ( Account XXXX ending in XXXX ) was victimized by what I believe was a malicious, malware-driven account takeover. Cybercriminals XXXX malware onto my device, illicitly captured my online banking credentials, bypassed Citibank 's fraud protocols, and executed unauthorized wire transfers totaling exactly {$30000.00} plus fees. I did not initiate, authorize, or benefit from these transfers. I discovered the fraud and notified XXXX XXXX Department within XXXX ( XXXX ) hours of the transactions occurring. This swift notification satisfies the strict XXXX-business-day reporting requirement under XXXX CFR XXXX ( b ) ( XXXX ), capping my legal consumer liability at {$0.00} to a maximum of {$50.00}. Despite my immediate reporting and the clear consumer nature of the account, Citibank customer service representatives are attempting to bypass federal consumer protections. Citibank agents are explicitly claiming that because these transactions were executed via wire transfers, they are exempt from XXXX XXXX and that the bank will take " XXXX days '' to investigate before issuing a resolution or refund. This position is completely unlawful. Per the landmark federal ruling in XXXX XXXX XXXX XXXX of New York v. Citibank , N.A . ( XXXX. ), the court affirmed that unauthorized wire transfers initiated through a consumer online banking platform are strictly governed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, not XXXX Article XXXX. Under XXXX CFR XXXX ( c ), Citibank has exactly ten ( XXXX ) business days from the date of notification to investigate this error. If they require up to XXXX days to investigate, they are legally mandated to provisionally credit my account for the full disputed amount of {$30000.00} plus fees by the tenth business day. Citibanks internal " XXXX '' policy is a direct violation of XXXX law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX RE : Complaint Against Wells Fargo Bank XXXX XXXX of Dispute Resolution Dear CFPB Complaint Intake Team, I am submitting this complaint against Wells Fargo Bank , N.A . regarding the wrongful reinstatement of a charge that was previously resolved in my favor through the bank 's own dispute process. SUMMARY OF COMPLAINT Public Storage ( XXXX XXXX XXXX ) denied me access to my stored property and demanded I pay {$120.00} a charge that staff could not explain or itemize before they would restore my gate access. I paid under duress to retrieve my lawfully stored personal property. I subsequently filed a dispute with Wells Fargo, which investigated and reversed the charge in my favor. Wells Fargo has now reversed that reversal, re-debiting {$120.00} from my checking account without adequate explanation. This action raises serious concerns about Wells Fargo 's dispute resolution process, including : Failure to adequately investigate the original dispute before reversing the outcome. Failure to notify the consumer prior to reversing a previously resolved dispute. Potential violation of Regulation E ( Electronic Fund Transfer Act ) consumer protections. RELIEF REQUESTED I request that the CFPB investigate Wells Fargo 's handling of this dispute, require the bank to re-open and properly resolve my case, and ensure the {$120.00} is returned to my account. I also request that the CFPB review whether Wells Fargo 's dispute reversal practices comply with applicable consumer financial protection regulations. I am available to provide all supporting documentation upon request. Sincerely, XXXX XXXX Consumer Protection Complaint Package CONFIDENTIAL Page XXXX XXXX XXXX XXXX, FL 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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing this complaint against Citibank for an administrative failure regarding a billing dispute. On XX/XX/year>, a single hotel reservation transaction under Itinerary XXXX was split by the merchant ( XXXX XXXX ) into XXXX separate charges on my credit card ending in XXXX. The charges were divided into XXXX XXXX ( {$490.00} ) and XXXX XXXX ( {$490.00} ). The reservation was fully cancelled within policy, and I had even purchased a {$44.00} Refund Protection Plan ensuring my right to a refund. Despite this, the merchant refused to credit me, forcing me to timely dispute both charges. On XX/XX/year>, Citibank investigated the evidence and ruled permanently in my favor on the first half of the transaction ( XXXX XXXX for {$490.00} ), validating my proof of cancellation. However, for the second half of the exact same transaction ( XXXX XXXX for {$490.00} ), Citis system has trapped me in an unreviewable loop, issuing completely contradictory form letters. Initially, they closed it claiming they needed a " credit slip '' or because " the merchant was unwilling. '' Most recently, a letter dated XX/XX/year>, claimed they have " no longer any recourse '' because the " timeframe to resolve a dispute has passed. '' This timeframe claim is false. The initial dispute was timely filed alongside its companion case in early XXXX. Citi 's automated system has consistently ignored my repeated documentation emails to XXXX, failed to link these split identical files, and is now attempting to use its own internal processing delays to claim " time has passed. '' It is completely illogical for Citibank to determine my cancellation evidence is valid for XXXX half of the split transaction while rejecting the remaining 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 monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
I am filing this complaint against First National Bank of Omaha ( FNBO ) regarding a failure to deliver a contractually promised reward benefit associated with my Universal Rewards Plus Visa Signature Card. On XX/XX/XXXX, I received an official notification from Universal Visa Rewards stating that because I met the annual spending threshold of {$6000.00} or more, I had successfully qualified for one ( 1 ) single-day theme park general admission ticket. Per the instructions provided in that email, I followed the link to select my destination and register for my redemption code. On XX/XX/XXXX, I received the follow-up email confirming my selection of XXXX XXXX XXXX XXXX The email explicitly stated, " Below is your Redemption Code to be used for your ticket ''. However, the area next to the " Redemption Code : '' field was completely blank. Because the code was missing, I am entirely unable to proceed with the mandatory registration step on the External Ticket Distribution System ( ETDS ) to deposit and claim my ticket. I contacted FNBO customer service to resolve this technical error, but the representatives were unfamiliar with the fulfillment process, completely lost regarding the nature of the problem, and unable to provide a resolution. This ticket is a primary, advertised reward benefit of the credit card program that I earned through my consumer spending. FNBO is failing to fulfill its promotional and contractual obligations by distributing defective, blank redemption forms and failing to provide customer support capable of rectifying the 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 non-monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I requested an electronic withdrawl from my Principal XXXX as a last resort due to an extremely urgent emergency and needing the money to pay my property taxes so I do not lose my home. The money deposited to my Ally Bank Checking account on XX/XX/XXXX and as soon as I saw the deposit I transferred the money internally to my Ally Bank XXXX XXXX Account. Early afternoon on XX/XX/XXXX I tried to use my XXXX XXXX Card and it did not go through so I tried to initiate a transfer of the available funds in my Ally XXXX XXXX to my Ally Checking and it also did not go through. I immediately called Ally Bank and they had me try again to transfer fund for different amounts ( which did not work ) and they also had me try to use the XXXX XXXX XXXX ( which did not work ). The first person I spoke with in the fraud department was able to initiate a {$400.00} withdrawl from the Ally XXXX XXXX Account to my Ally Checking Account but was unsure why it wouldn't let me make the transfer. I was on the phone with them for XXXX hours total on XX/XX/XXXX and in their chat for over an hour on XX/XX/XXXX and all they told me was that my card active and not showing any holds and gave me a ticket number. I expressed the urgency of needing a portion for my taxes so the XXXX and XXXX person I spoke with also tried to make a transfer on my behalf and were unable to do so with no reason given. I called back on XX/XX/XXXX with the ticket number asking to speak with a XXXX and was told that they did not have that ticket number in their system. I was treated poorly and was spoken to in a very condescending tone by the XXXX. After being on hold for an hour I was told by said XXXX that there is a restriction on my account and was provided with no other information or given any reason why. I am in immediate desperate need of a portion of those funds to keep my home and Ally Bank will not help me resolve or even tell me why.... just 'call back tomorrow with the ticket number ' ... which they were unable to even find the first ticket number I was given!

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 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This is a follow-up to my earlier complaints about BestBuy, Citibank and XXXX with regards to and attempt to collect a debt I do not owe them, regarding a Multimedia car device.The device, which was returned by a proxy, was still on their books that I had it. In the latest twist of events, they are now referring to a fee I didn't even know about. Which, to them, had been accumulated more interest. Yet, this is the first time I am getting to hear about this. I deeply feel it is an extempted extortion. This is because, the last time I spoke to a manager back in 2023, he told me the outstanding debt was about {$84.00}. I don't remember the exact figure. So, he asked that I pay that off to close any issue. How come will anything come up without me ever be informed? I must be a diversion. I strongly disagree. I don't owe Best Buy even a cent.

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