vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today on XX/XX/year> : I called Truist Fraud Department about wanting to open a new account even though it was closed previously. They said that they cant make me open an account because Truist terminated my relationship with them. So I asked them what else can I do? So Truist said call the Early Warning Services I called XXXX and they said theyll send me a letter in the mail detailing my bank history. But they said theyll send wont clear the fraud history to make me open an 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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citibank issued me a notice of permanently closing my checking, saving and credit card accounts. No reason was given. I had to take a day off to visit a local branch, as well as the branch where my account was originally opened. Nonetheless the branch managers can not provide any reason or excuse to close all my accounts. I dialed their customer service line and after getting forwarded several rounds, I was only provided a vague reason that my accounts were involved with business activities. However I'm a full time employee. I don't own a business, nor could I have possibly conducted any business activities with my family bank account. Citibank refuse to communicate or provide any detail such as which exact transactions were flagged as " business activities ''. My family 's economic activities are closed tied to my Citibank accounts. Their unreasonable closure has brough tremendous inconvenience and have cost me more than one working days on this issue. Their accuse of business activities has no factual base and I'm treated very unfairly.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened a U.S. Bank XXXX XXXX XXXX card on XX/XX/XXXX, which advertised a XXXX bonus if I spent {$1000.00} in XXXX Purchases within the first 90 days. I fully met these requirements, and I have received already XXXX balance statements- with no XXXX bonus showing up. I spoke with U.S. Bank customer service representative on XX/XX/XXXX, who promised to escalate the issue and suggested that I would get a response within XXXX to XXXX weeks (! ). That very long response time seems unreasonable for a large financial institution, and I need to get my earned XXXX points right now.

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
I already disputed this once with the credit bureaus. XXXX accepted. I see it's still appearing on my XXXX information. I called XXXX and left a message AGAIN. I called the collection agency, and they tried to get me to give them my credit card number for {$1.00} before they would give me any information. I, of course, declined. I need them to stop putting stuff on my credit. I need this collection agency, who, by the way, has never tried to reach me, either by phone or mail. I had cancelled my service with XXXX and paid all balances. They kept taking money out of my account even though the service was cancelled. I issued a dispute with my bank and put a block for that company. I have since got that taken care of with XXXX. Now this collection agency needs to realize the same thing. The collection agency is : Sunrise Credit Services. {$320.00}

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 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, my accounts at Citibank were hacked. {$30000.00} was wire transfered out of my checking account. {$30000.00} was wire transferred out of my savings account and a line of credit was used on my account XXXX in the amount of {$3700.00}. The {$3700.00} was placed in my checking account. It was an old line of credit that was overdraft protection on my account. Citibank has already determined that all transactions on that date were fraudulent. They refunded the {$30000.00} taken from my checking account and the {$30000.00} that was taken from my savings account. However, I am having a problem getting back the interest charged to me in error in the amount of {$91.00} that was earned against the {$3700.00} line of credit. On XX/XX/XXXX, I started a claim against the line of credit saying that this was not done by me. They closed that claim in error. On XX/XX/XXXX, I opened a new claim to get back the interest I paid on the line of credit that I didn't take out. Citibank 's reference number is XXXX. I sent them an email explaining that the Bank Manager told me to close out the line of credit in order to incur further fees but not to worry because they would be refunded to me after the investigation. Today, XXXX XXXX, I received a letter from Citibank saying that the interest was incurred on the line of credit that I took out so I was required to pay it. It's like someone didn't even look at the case entirely and just gave a general response. I did not take out the Line of credit of {$3700.00} on XX/XX/XXXX. It was done fraudulently. I paid everything off in order to close out the line of credit because the Bank Manager said it was what I should do. It was not my loan. I gave them back two payments. One on XX/XX/XXXX, in the amount of {$99.00} and another payment of {$690.00} on XX/XX/XXXX. That is an overpayment of {$91.00}. They were only supposed to get back {$3700.00}. I should not be charged interest on a line of credit I did not take out.

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 2026-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: CA

Complaint narrative:
I sent my servicer, LoanCare, and master servicer, XXXX XXXX XXXX, a Request for Information under RESPA ( 12 C.F.R. 1024.36 ) and TILA ( 15 U.S.C. 1641 ( f ) ( 2 ) ) asking them to identify the owner of my mortgage note and related records. In their July 20, 2026 responses they gave me contradictory answers about who owns the note the one fact the law requires them to identify correctly. On XX/XX/XXXX and again on XX/XX/year>, LoanCare wrote that the current owner of the note is XXXX XXXX ( pool XXXX ). On XX/XX/year>, LoanCare wrote instead that the loan was sold to XXXX who is the lender that currently holds the Note. The same day, in its response to this complaint, XXXX wrote that the loan is invested/backed by Fannie Mae XXXX XXXX record of any other assignments. XXXX can not hold the note while Fannie Mae owns it with no other assignments, and XXXX own XX/XX/XXXX and XX/XX/XXXX letters refute its XX/XX/XXXX statement. The recorded Deed of Trust they themselves produced is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIN XXXX consistent with Fannie Mae ownership and XXXX with LoanCares claim that XXXX holds the XXXX. In that same XX/XX/XXXX response, XXXX stated it was unable to substantiate any claims of errors in ownership. That statement is refuted by its own sub-servicers same-day letter. They also failed to provide most of what I requested : the XXXX MIN ( which is printed on the Deed of Trust their own originator recorded ), the complete servicing-transfer notices, the notes assignment/endorsement/allonge history, and the life-of-loan payment and remittance history. My prior complaint, No. XXXX, was closed before any of this was resolved.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: SC

Complaint narrative:
I have never received notice of this collection attempt via electronic or physical mail. The company has never contacted me to the best of my knowledge and has not provided any notice otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/year>, a door-to-door sales representative from XXXX, XXXX came to my home. I was severely and visibly intoxicated, lacking the legal capacity to enter into an agreement. Capitalizing on my impaired state, the representative fraudulently used my personal information to open an unauthorized XXXX XXXXXXXX line of credit without my knowledge or true consent. This unauthorized hard inquiry and account caused an immediate XXXX drop in my credit score. This drastic drop triggered an immediate financial review by my primary bank, XXXX XXXX, resulting in my primary banking funds being completely frozen for XXXX ( XXXX ) consecutive days. I was entirely cut off from my money, causing extreme financial distress and reputational damage with my primary financial institution. Vivint customer service refused to fix this fraud, offering only a $ 10 monthly discount. This involves predatory lending and identity theft. I am demanding that AtlanticusXXXX immediately cancel this unauthorized line of credit, reduce any alleged balance to zero ( {$0.00} ), and submit a swift deletion request to Equifax, Experian, and TransUnion to remove the hard inquiry and tradeline completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PA

Complaint narrative:
This debt was originally with XXXX XXXX credit card. It was in with my identity theft and capital.one was aware of it as they sold it to XXXXXXXX XXXX XXXX XXXXXXXX wrote it off as bad debt and sold it to a third party when i never signed an agreement with the XXXX party.

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 2026-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/year>, XXXX debit card discontinued their card and said it was being turned over to Netspend. I contacted Netspend and they said they were sending a Netspend card with my XXXX balance of {$1800.00}. I never got the card, I called again, he says hes mailing a check, after weeks I never get the check. I call and they said it was sent to the wrong address and they were sending a new one. I have waited weeks and months with them always promsing some random day it will come and it never does. Netspend refused to put a tracking number on my check either time it was supposedly sent. This time it is XXXX XXXX and the check was sent out on XX/XX/XXXX, is what Netspend said. I have yet to get my money after hours on the phone and a XXXX phone calls constantly being hing up on, no one can give me my money or send me a Netspend card with my balance on it. All they do is lie and go around in circles. Where is my {$1800.00} Netspend? Please 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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, FL XXXX * * Date : * * XX/XX/year> * * To : * * Credit Dispute Department [ EXXXX XXXX XXXX XXXX XXXX ] ARROFI INC * * Subject : Dispute of Incorrect Credit Card Balance Reported Under the Fair Credit Reporting Act ( FCRA ) * * Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report regarding the balance reported on XXXX of my credit card accounts. The account in question is reporting an incorrect balance that does not accurately reflect the current amount owed. This inaccurate information is misleading and negatively impacts my credit profile, including my credit utilization ratio and overall credit score. Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * *, I have the right to dispute information that I believe is inaccurate or incomplete. I respectfully request that you conduct a reasonable investigation into this matter and verify the accuracy of the reported balance with the creditor. If the creditor can not verify that the reported balance is accurate, I request that the information be corrected to reflect the true balance or removed from my credit report if it can not be verified. Enclosed are copies of supporting documentation, including : * Recent account statements showing the correct balance. * Payment confirmations ( if applicable ). * Any other documentation supporting my dispute. Please provide me with written confirmation of the results of your investigation and send me an updated copy of my credit report once the correction has been completed. Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to your response within the timeframe required by the Fair Credit Reporting Act. Sincerely, * * 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 2026-07-20 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: Uprova Credit, LLC
State: IL

Complaint narrative:
Request for Investigation and Cancellation of Uprova Loan Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a loan I obtained from Uprova. I believe this loan is predatory and may violate applicable consumer protection and lending laws. My loan carries an annual percentage rate ( APR ) of approximately XXXX %, which I believe is unconscionable and designed to trap borrowers in a cycle of debt rather than provide reasonable access to credit as well as more then the legal XXXX % maximum in the state of Illinois. The excessive interest and fees make it nearly impossible to repay the loan without suffering severe financial hardship. Based on these facts, I respectfully request that this loan be cancelled

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 2026-07-20 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: MI

Complaint narrative:
Citi denied my dispute based on a claim that I failed to follow the cancellation policy. That is factually incorrect. My cancellation was accepted per Cancellation confirmation email attached, I paid the required cancellation fee to the booking agent onetravel.com and {$99.00} cancellation penalty to XXXX. {$410.00} travel credit was issued to me, expiring by XXXX XXXX, 2026. I am requesting XXXX provide the evidence supporting its conclusion and conduct a fair review of whether I received the services purchased.

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 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX " What happened? '' On XX/XX/XXXX, I made a purchase of {$3300.00} under a " No Interest if Paid in Full within 12 months '' deferred-interest promotion on my store credit card. The promotion expired on XX/XX/XXXX. I was not aware the promotional period was ending. I did not receive a clear reminder that the deadline was approaching. Had I known, I would have paid the balance in full in time to avoid interest. Because the balance was not paid in full by the expiration date, I was charged {$1200.00} in deferred interest at a 34.99 % APR. This interest was applied retroactively to the entire purchase going back to XX/XX/XXXX. It appeared on my XX/XX/XXXX statement and increased my balance from {$2200.00} to {$3400.00}. I tried to resolve this within the XXXX grace period after expiration. On XX/XX/XXXX, I called the company to pay off the balance, but they disconnected my call twice before I was able to voice my concern, so I could not complete the payment within the grace window. On XX/XX/XXXX, I contacted the company again through online chat ( reference ID XXXX ). I offered to pay the entire remaining balance of {$2100.00} immediately if they would waive the {$1200.00} deferred interest. I explained that I was only XXXX days past the grace period and that I had tried to call within the window but was disconnected. A representative and a chat XXXX both declined, stating they had no option to waive or reverse the interest. I believe this is unfair for XXXX reasons. First, I was only XXXX days past the grace period. Second, I made a good-faith effort to pay within the grace period and was prevented when the company disconnected my calls. Third, I am ready and willing to pay the full principal balance immediately.

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 2026-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, truist stopped my autopay, I started receiving calls from truist saying there was an important message for me, that I needed to return their calls. I called them back, and I was told that there were payments due, I told them that I setup my autopay since the loan was transferred to them for indefinite period, I made dozens and dozens of calls, I was transferred to different departments and was told for different reasons why autopay was stopped, including the autopay was setup to end in XX/XX/year>, I asked the representative to provide me the setup information which shows the end date, all representatives refused to do so.

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 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
b'On or about XXXX XXXX XXXX Citibank reported my account as delinquent to XXXX while the charge was under dispute. My credit score dropped about 100 points and I was told the entry could remain up to 7 yearsXXXX XXXX and XXXX show no delinquency, so the reporting is inconsistent and inaccurate. Reporting a disputed amount as delinquent violates the Fair Credit Billing Act (15 USC 1666a) and Regulation Z (12 CFR 1026.13(d)). Citibank also says late fees and interest will be re-imposed around August 12, 2026.\n\nI have now obtained key evidence: a Best Buy store gave me a duplicate receipt dated XXXX XXXX XXXX (store XXXX XXXX XXXX XXXX XXXX) showing a My Best Buy Total yearly membership (XXXX XXXX XXXX XXXX XXXX total) was returned and refunded to a Visa card ending 2182 that is not mine. Store staff indicated the membership belonged to a different customer (surname XXXX XXXX XXXX XXXX). This shows another customers membership was billed to my credit card, and when it was refunded, the money went to that customers own card instead of back to my Citibank account. I have received no refund. The refunded amount does not even match the XXXX I was charged, and neither company has explained this.\n\nResolution requested: (1) immediate deletion of the delinquency furnished to XXXX and any other credit bureau, with written confirmation; (2) permanent removal of the XXXX charge and all related interest and late fees from my account; (3) a written explanation of how another customers membership was charged to my card; (4) no further collection activity or negative reporting on this disputed amount. I am attaching the Best Buy return receipt and my call log.'

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