vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Sunrise Credit Services contacted me to collect an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This alleged debt appears to arise from XXXX & Ts move-order/account-transfer error. When I moved, XXXX XXXX XXXX created or mishandled a secondary account that I could not access online, failed to properly reconcile the old and new accounts, and appears to have misapplied payments or account activity. I made good-faith attempts to resolve the issue wXXXX XXXX XXXX XXXX XXXX XXXX XXXXny valid corrected balance, including a phone call where I attempted to pay whaXXXX XXXX XXXX XXXX XXXXXXXX XXXX due. The amount was unusually high and appeared tied to the same billing/account error. I used internet service for approximately XXXX month and remain willing to pay any legitimate, corrected, non-duplicative charge for service actually provided. However, I dispute this collection because the amount has not been properly validated as accurate, non-duplicative, and legally owed. I request that Sunrise cease collection activity while this debt is disputed, provide full written validation including itemized billing, dates of service, payment history, account numbers, and proof of authority to collect, and return/recall the accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance can not be verified. Sunrise should not report this disputed account to any credit bureau. If already reported, it should be marked disputed and deleted if XXXX XXXX XXXX XXXXcalls or corrects 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 explanation
Consumer complaint received 2026-07-06 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: VA

Complaint narrative:
On XX/XX/year>, I woke up to a text message sent about a XXXX charge for over {$100.00}. I immediately responded XXXX for XXXX and called Citibank. They would only let me discuss XXXX account and had to wait for a letter with a reference code to discuss the second account. I reported fraud, disputed all charges from XX/XX/XXXX to present for I do not actively use these cards and requested this account to be locked. I called on XX/XX/XXXX, XX/XX/XXXX ( with the reference code ), XX/XX/XXXX requesting both cards to be locked and not allow any further charges. After weeks going by and Citibank allowing these charges to continue, I called again on XX/XX/XXXX and demanded that both accounts be closed and dispute all charges from XX/XX/XXXX to present. I spoke to the fraud dept. on XX/XX/XXXX, and I thought things were headed in the right direction. Apparently, they only closed XXXX account, allowed the other to remain open and didn't stop the charges. When I called on XX/XX/XXXX, there were only {$300.00} worth of unauthorized charges. When I thought I closed my account, I lost access to my online account. I didn't realize that XXXX card was still open and still being charged and they allowed the unauthorized user to open up a third credit card in my name. The unauthorized user also changed my online access phone number and address. The last time I was able to see the charges on the XXXX credit cards they were already up to {$2000.00}. I am not sure what the balance is on these cards at this time. I received a letter from Citibank saying they closed my dispute and I was responsible for the payment. On XX/XX/XXXX, I traveled to a Citibank branch only to be told they couldn't help me and I just wasted XXXX hours to get there. I sat in the parking lot and called Citibank again, I requested the XXXX department, spoke with XXXX who hung up with me and never called back. The next day, I called Citibank again, I spoke to XXXX in the XXXX XXXX and supposedly the accounts are closed, and they were investigating the charges. I mailed a certified dispute letter that should arrive to Citibank Wednesday, XX/XX/XXXX. I have also filled an Identity Theft Report and froze all three credit reporting agencies. I don't even have statements from Citibank with any of the charges.

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 2026-07-06 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: KY

Complaint narrative:
I filed a fraud dispute for VALID fraud claims, and because they were unable to prove my claims were factual, they locked my account and prevented me access. I ended up getting a mail notice stating 30 day notice of closure, and that id receive a cashiers check with my remaining balance. I received that notice late XXXX, early XXXX. Well my tax refund got deposited into the account successfully, and they still have not closed my account. I need the account closed ASAP and I need my money immediately. I have been waiting on this tax refund that I desperately need, and finding out that ive had over {$6000.00} in my US Bank account with no access to it has really left me angry.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I sent Lockhart , Morris & Montgomery a timely written debt-validation request, which was delivered to them on or about XX/XX/year>. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), a debt collector must cease collection of a disputed debt until it obtains validation and mails that validation to the consumer. More than 30 days have passed and I have received no validation of any kind no signed contract, no account-level documentation, nothing establishing that I owe this alleged {$2500.00} debt or that this company has the right to collect it. Despite failing to validate, Lockhart , Morris & Montgomery has continued to attempt collection and to report this unverified account to the credit bureaus. Collecting and reporting a debt they failed to validate violates 1692g ( b ). I request that Lockhart , Morris & Montgomery immediately ( 1 ) cease all collection activity on this alleged debt, ( 2 ) delete this account from every credit bureau to which it has reported, since it has not been and can not be validated, and ( 3 ) provide written confirmation of deletion. Desired resolution : deletion of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XX/XX/XXXX, I checked our statement and found XX/XX/XXXX, our monthly payment was going to increase from {$2200.00} to {$3700.00} a month. I called the company and it was explained their system did a reanalysis recently and likely did not include the XXXX exemption my husband is entitled to and would need to do a reanalysis. We asked them to please do so and were told we would have the reanalysis within 15 days. We did not receive anything. We called again XX/XX/XXXX, and were told we would receive the update by XX/XX/XXXX. We did not receive anything. XX/XX/XXXX, I checked our payment portal and saw a new banner stating our XX/XX/XXXX payment would be XXXX. I took a screenshot just to be safe. The following day, that banner was no longer visible and it only showed the {$3700.00} amount due. We called again XX/XX/XXXX and were told an analysis had never been requested or done. We have a case number for the request : XXXX. Later on the phone call, the representative did admit an escrow had been requested and was supposed to be provided by XX/XX/XXXX but obviously was not. The best the representative would offer was to escalate a new escrow analysis. We requested transcripts of the conversations held and were told we had to make formal requests via email - so that is our next step.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for attempting to collect an invalid debt and failing to properly validate a disputed account under the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal FDCPA. HP Sears is attempting to collect a debt of {$2500.00} ( Account/Reference Number : XXXX ) related to towing, impound, and storage fees for a vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX am not the legal owner of this vehicle and am completely exempt from this financial liability under California law. The vehicle was sold, and physical possession was transferred to a third-party buyer in XX/XX/XXXX. A Notice of Transfer and Release of Liability ( NRL ) was successfully filed with the California Department of Motor Vehicles ( DMV ). Under California Vehicle Code Section 5602, an owner 's civil and financial liability for towing, storage, impound fees, or subsequent accidents terminates immediately upon the transfer of the vehicle and submission of the XXXXMy automotive insurance company has already investigated this exact timeline, reviewed the DMV records, verified my total lack of liability, and closed their claim file.Despite this, HP Sears continues to pursue me for this debt simply because the original towing yard pulled a stale, un-updated primary registration record at the time of the accident. I have formally disputed this debt in writing, providing photocopies of my DMV Release of Liability form.If HP Sears claims they can not validate or resolve this because the underlying towing company refuses to respond to them, they are legally required under the FDCPA to cease all collection activities immediately and delete the file. They can not maintain an unverified debt against a consumer.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I contacted the company on XX/XX/year> because I paid the account in full on XX/XX/year> and did not receive a receipt. The company states that I have to wait for 8 days to receive a receipt for my payment. They stated they can't provide me with any information to show that the account is paid in full. When I log onto the website, the account still shows as if the account was not paid at all. I paid the account through my checking using my debit card. The amount was fully debited from my account and they refuse to provide me with confirmation in the form of a receipt to show that a payment in full was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX went out of business and did not proved my aligners to continue treatment to fix my teeth. TekCollect responded to my CFPB complaint XXXX and said they will close and remove the account. They have not. I have attached documents showing these.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am requesting assistance regarding a recent credit limit reduction by Wells Fargo on my Wells Fargo XXXX XXXX credit card. Without warning, Wells Fargo reduced my credit limit by {$10000.00}. As a result, my credit utilization increased dramatically, causing my credit score to drop by approximately XXXX points. I have made multiple attempts to resolve this directly with Wells Fargo by calling customer service. Each call has involved long wait times, and I have been told there are no options available and that my account is not eligible for assistance. I have been unable to obtain a meaningful review of the decision or any alternative solutions. My promotional 0 % APR expires on XX/XX/year>. The reduction in my credit score has significantly limited my ability to refinance or transfer the balance before the promotional period ends. I am requesting that Wells Fargo : 1. Reconsider the recent {$10000.00} credit limit reduction. XXXX. Provide a written explanation for the reduction. XXXX Review my account for any available options, including a repayment program, promotional extension, or other assistance before the promotional APR expires. I have made every effort to address this directly with Wells Fargo and am requesting the CFPB 's assistance in obtaining a fair review of my 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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Company Name : Ally Financial / Ally BankClaim Number Referenced : XXXX I am filing a complaint against Ally Financial for severe negligence, deceptive timeline compliance, and complete failure to protect against consumer financial fraud. Ally Financial issued a GAP insurance refund check for {$1500.00} made out to " XXXX XXXX AND XXXX XXXX. '' I am the sole payer of the underlying vehicle, insurance, and registration.When I realized the check had been sent to the co-signers address instead of mine, I contacted Ally customer service. I was explicitly told by Ally representatives that the check was " canceled and reissued '' strictly in my name, mailed to my new address, and I was provided with Claim Number XXXX. I was told to wait XXXX to XXXX business days for delivery.This information was a complete fabrication. While waiting for this promised replacement check, I discovered the original check had actually been processed and cashed. The co-signer supposed to check XXXX XXXX XXXX where the check was issued from. They put it through and then realized there was XXXX names on it needed to be there so they never cash it then went and deposited into XXXX. I believe to what she did receive it I am currently holding the physical, pristine, original check in my XXXX XXXX front-line staff gave conflicting, inaccurate reports over multiple days, directly preventing me from taking immediate legal action to stop the fraud before the funds cleared. Furthermore, XXXX paying bank processed a check containing a restrictive " AND '' conjunction without verifying the mandatory presence of both endorsements. I demand that Ally immediately honors my fraud claim, coordinates with the depositing institution to claw back the stolen {$1500.00}, and immediately reissues my refund to my correct address. Please advise 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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received settlement money. I deposited the check o. XX/XX/year>. All funds cleared and was available on XX/XX/year>. I decided to surprise my wife with a car. So on XX/XX/year> I went to the bank and got a cashiers check for XXXX. No problems there. Later that same day the bank decided to put a hold on my previously available funds. Now my account is negative XXXX and I can feed or provide for my family. Bank won't release funds till XX/XX/year>. I won't even be able to get my regular weekly direct deposit on XX/XX/year>. They see no issue with keeping my funds after it was available. I just need to feed my family. I've been to the local branch and was escorted off the premises by cops after getting upset about not being able to feed my children. It's like some kind of XXXX XXXX. I did everything correct and this is a problem of the banks own doing. If the funds weren't available then why give me a cashiers check at all in the first place

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 2026-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX, XXXX 2026 I deposited my legal settlement check into my recently opened BMO account. The check was for {$7100.00}. I was told because of the amount and new account I have to wait XXXX days to access my funds because it would be a hold for check verification. I completed the XXXX day wait and had access to my funds until the next day. The next day my account was frozen by BMO XXXX XXXX team after I used some of my funds. I provided them with documentation showing where the check came from including all of my attorney information, my attorney confirmed XXXX XXXX ( check issuing bank ) verified the funds already. Im experiencing severe financial hardship due to lack of access to basic living capital. I had to wait over a year for my settlement check to catch back up with my rent and bills and now I have to wait XXXX days for access to my funds with no communication, updates or anything. Please help. Saving account balance {$4600.00} and Checking account balance {$210.00}. Accounts were frozen on XX/XX/year> 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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a verified victim of a FTC impersonation scam. Investigators have fully cleared the transaction. The funds were legally returned via XXXX to BMO. BMO is now holding {$650000.00} under an aggressive 90 day indemnity clause. This hold is causing severe and immediate financial hardship. I can not pay my federal taxes, risking IRS penalties. I request an immediate executive review to release my cleared funds. I am XXXX XXXX XXXX XXXX XXXX and this is my entire lifes savings. In addition to the hardship this is causing, If I do not have the funds deposited in 25 days, I will get taxed {$37000.00} because the early withdrawls of the funds from my investment 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 2026-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, Eastern Account Systems reported a debt on my credit file with both XXXX XXXX XXXX. They listed it as a new debt dated XX/XX/XXXX for the amount of {$570.00}. This information is incorrect, as of XX/XX/XXXX, the account was a charge-off and had been removed from my profile. XXXX Account is falsely reporting this as a new debt, which is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a transfer via XXXX XXXX, and my bank, Wells Fargo, released the funds very quickly without protecting my money. The transfer took place on XX/XX/year>, at approximately XXXXXXXX XXXX, and by the next morning, the thieves had already received the funds ; Wells Fargo didn't hold the money for even XXXX hours. I lost my money because they failed to protect me ; they conducted an investigation but based their findings on reasons that do not justify their immediate release of the funds to XXXX XXXX. Now, my account is overdrawn by the amount of that transaction, and I am being deprived of access to my primary checking accountwhich I use for all my transactionsdue to the bank 's negligence, regardless of my own responsibility in having relied on a holding period that never actually occurred.

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