vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank XXXX XXXX stopped my mortgage payments XXXX! XXXX XXXX and account got locked up! Auto draft wasnt stopped by the banking institution as requested. Making payments has been a huge issue. XXXX an older adult over XXXX and trying to manage the finances alone. Payment sent from XXXX bill pay on the XXXX of XXXX to Truist still has not posted. Every month prior to this they would take the payment on the XXXX and not apply it until the XXXX. Please process this months payment and please remove the XXXX block on the account. I am unable to travel back and forth to the bank with cash and or cashier checks. Please help & thank you.

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 2026-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XX/XX/year> I was summoned for an over the limit by {$250.00} on my Wells Fargo XXXX. I have. Not received statements in more than a year nor can I get access on line. My contact information : XXXX XXXX XXXX : XXXX Mailing Address : : XXXX XXXX XXXX XXXX XXXX GA, 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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My email was hacked person got access to bank card/debit/ATM card purchased concerts tickets to XXXX the XXXX online XXXX all my personal information name bank card # email cell phone and home address. Ticket amount charged on my bank account is {$370.00} for XXXX. I called both XXXX and my bank both said I needed to dispute with thee other company. The bank did not accept the proof of the XXXX address that was used is in a foreign country. XXXX says I had purchased using their acct before with the same personal information which I had not. Someone opened a XXXX acct in my name. I filed a police report as was told to do so bt my bank yet neither company would refund 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 2026-07-08 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for and was approved for the XXXX XXXX XXXX in early XX/XX/year>. XXXX of the primary benefits Barclays advertised was access to XXXX XXXX, which provides access to airport lounges worldwide. I specifically chose this card because I was scheduled to travel to XXXX from XX/XX/XXXX through XX/XX/XXXX and intended to use this advertised benefit during my trip. Shortly before my departure, I received my credit card and immediately attempted to enroll in XXXX XXXX by following the exact instructions provided on the Barclays website ( screenshot attached ). Despite following every step correctly, I was unable to activate my membership. I contacted XXXX XXXX customer service multiple times, and each time I was informed that Barclays had never activated my membership. On XX/XX/XXXX, I contacted Barclays and was told that a case would be opened to resolve the issue. Since then, I have called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every single time I received the same meaningless response : " The case is pending. '' No one could explain why it had not been resolved, provide a timeline, or offer any solution. Barclays simply continued to ignore the problem while I lost the benefit I was paying for. On XX/XX/XXXX, while traveling through XXXX XXXX XXXX XXXX, I attempted to access an airport lounge using the benefit Barclays advertised. I was denied entry because no XXXX XXXX membership existed for my account. I also asked the lounge attendant to swipe my XXXX XXXX XXXX, since Barclays ' own website indicates the card can be used for lounge access. That failed as well. The lounge terminal displayed the message : " Sorry, but this Bank XXXX is not part of a membership program. '' I photographed this message as evidence. What makes this even more unacceptable is that Barclays had already charged me the {$490.00} annual fee for this credit card while completely failing to provide XXXX of its most significant advertised benefits. I paid for a premium travel card specifically because of the XXXX XXXX benefit, yet Barclays failed to activate my membership despite repeated requests and nearly a month of follow-up calls. This level of incompetence and disregard for customers is unacceptable. Barclays advertised a premium travel benefit, collected the annual fee, and then failed to deliver what was promised. Instead of fixing the issue, they repeatedly hid behind the excuse that " the case is pending '' while I traveled without the benefit I had paid for. I expect Barclays to explain why this happened, immediately correct the issue, and provide appropriate compensation for charging me for benefits they failed to deliver.

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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I wasnt aware of the debt and the contract of a collection company

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 2026-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
.Our Truist Bank business account was enabled for wire transfer functionality without our authorization or consent. We did not request this feature, nor did we execute any agreement expressly enabling outgoing wire transfers. Unauthorized access and transaction dates were on XX/XX/year> and again on XX/XX/year> on XXXX of my business account XXXX, XXXX and XXXX. The bank was called immediately on both dates, disputes were filed and police report was taken. The bank was able to recover money from SOME of the disputes ; however, we were told that only partial funds or none of the funds were able to be recovered on several others and the disputes were closed, totaling {$170000.00} ( business & personal account ). The unknown individuals on our statement wire transaction list were : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Both our business and linked personal account was impacted. Multiple outgoing wire transfers were initiated without our knowledge or approval on those dates to various banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX transfers happened and ONLY XXXX was returned fully by Truist and XXXX others were partial returns. The item line highlighted in yellow on the attached bank statements are the amounts we need returned,. Each attached item has the amount we need returned in the subject line. Attached you will will find bank statements reflecting my personal and business accounts. A complaint was filed separately by my wife for the personal 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 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the XXXX credit card XXXXXXXX XXXX managed by the financial institution, my existing autopay was deactivated by the system without clear warning, and the remaining balance failed to transfer to the new account. This technical glitch resulted in ongoing interest and late fees over several months. When I contacted customer service, they acknowledged the transition issue but refused to waive the full amount of predatory fees caused by their own system error. I demand a full reversal of all late fees and interest associated with this migration failure, and a correction of any negative credit reporting.

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 2026-07-09 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: POWERPAY, LLC
State: MA

Complaint narrative:
This an installment loan I have had with power pay LLC since XX/XX/year>. The loan was about {$30000.00}. It was for doing the roof of my house in! Massachusetts. After 5 years, I have paid a total of {$20000.00}. I still have a balance of {$26000.00}. This is outrageous. I have been making regular payments with XXXX to XXXX XXXX dollars more each month, trying to pay off the balance. Something has got to be wrong. I would like an investigation. The loan is not moving.

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 2026-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA located at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, Telephone : XXXX, mismatched customers personal information 15 U.S.C. Section 6821 Membership Number XXXX, including financial records XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Proper photo identification submitted XX/XX/year> to correct fraudulent financial activities banking account rejections, insurance increased premium debts, Identity, and additional driving state history record.

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 2026-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The companys response focuses on the existence of the loan agreement and payment obligation but fails to address the central issue : the condition of the vehicle at the time it was sold and financed, the defects that existed shortly after purchase, and the evidence provided showing that the vehicle should not have been approved as safe for operation. Credit Acceptance was placed on notice of the defects shortly after the transaction. I provided documentation, including an independent inspection report, after the company requested that information. The company had an opportunity to review the evidence and investigate the circumstances surrounding the vehicle sale and financing. However, Credit Acceptance has not provided : A detailed explanation of the investigation performed ; The documents reviewed during its investigation ; An explanation of how the vehicle condition was considered ; An explanation of why the company believes the financing should continue unchanged despite the documented defects. The response does not dispute that Credit Acceptance received notice of the vehicle defects. Instead, it avoids addressing whether the vehicle was properly represented, inspected, and financed based on accurate information at the time of sale. This complaint is not simply a disagreement over payment. The dispute concerns whether the underlying transaction involved material issues affecting the value, safety, and condition of the vehicle that was financed. I acted in good faith by notifying the parties promptly, providing requested documentation, and attempting to resolve the matter before seeking outside assistance. Credit Acceptances failure to provide a meaningful investigation or resolution has left me responsible for a loan connected to a vehicle that I believe was misrepresented and improperly financed. I request that CFPB require Credit Acceptance to provide a complete response addressing the actual issues raised, including : The vehicles condition at the time of financing ; The inspection documentation provided; The companys investigation process ; The basis for refusing to provide a remedy ; Any steps the company will take to correct the situation. I also request that Credit Acceptance preserve all records related to this account, including communications, underwriting documents, dealer communications, and any internal investigation records concerning this dispute.

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 2026-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I paid off my Wells Fargo Auto loan ( account # XXXX, XXXX XXXX ) in full on XX/XX/year>. It has been approximately 10 months and I have not received the vehicle title or any lien release documentation. I have called Wells Fargo twice and was not sent any confirmation as promised. I contacted the Indiana BMV directly and confirmed the lien is still listed as active, with a " Non-ELT '' ( non-electronic ) lien type, meaning Wells Fargo must send physical release documentation, which they have not done. Under Indiana Code 9-17-5-1, lienholders must release a lien within 10 business days of receiving final payment. Wells Fargo is far outside this deadline. I am requesting that Wells Fargo immediately release the lien and send me either the signed title or a lien release letter as required by Indiana 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 explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
About 50 days ago, out of nowhere, I couldnt logon to their app or website ( despite entering my correct User ID & password ), they requesting I want their access code sent to my cell as a text or a robo phone with a verbal code. Ive requested both almost daily since then to no avail. No code is ever sent. And their phone numbers are not blocked & no issue with my cell provider.i requested customer service help 7X, then to Customer Service management, then to Member Concern management, IT Management, 2 case # s & nothing ever gets resolved. Ive even deleted their app & downloaded a new one. Its their issue & they have unbelievably terrible customer service. Ive been far, far more then patient!

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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
The debt is paid off in 2024 and it is still showing as negative. I asked to close the account and remove it off my credit score. Due to negative account and it is paid off so it affects my credit score.

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 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an urgent follow up to open complaint XXXX I am filing this new complaint because the creditor Wells Fargo has actively penalized my credit profile while under active federal investigation. On XX/XX/XXXX Wells Fargo filed an interim response to the CFPB stating they needed more time to thoroughly investigate my dispute. However their own internal records show that on XX/XX/XXXX, the day before telling the CFPB they were investigating, they finalized a charge off on my account and pushed it to the credit bureaus. The transaction history provided proves that this account was consistently on auto pay with regular monthly withdrawals being taken out on my end. Come the end of XXXX Wells Fargo again cut me off auto pay without my consent. Yet in late XXXX, during a three way call with my home underwriting team and a third party credit company, Wells Fargo explicitly confirmed to the underwriters that I was actively on auto pay and that there was zero delinquency on the account. Despite that verbal confirmation, come XXXX they booted me off auto pay yet again. Wells Fargo made absolutely no attempt to contact me, notify me, or advise me of any issues until I noticed my credit score dropping and caught their error for the third time. This documentation proves that I have been completely compliant on my end while Wells Fargo has repeatedly failed on theirs. Furthermore, when I log in to my account online now, I can no longer pull any of my payment history at all. I was fully able to access this history prior to my original complaint, but now I am completely limited in what I can see and pull. This makes me believe it was intentionally done this way to make it hard for me to prove my case, forcing me to manually pull my own external bank records to get the truth. Despite an active payment posted on XX/XX/XXXX and my initial CFPB complaint on XX/XX/XXXX Wells Fargo chose to report a destructive false charge off status to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Wells Fargo is acting in bad faith by telling a federal regulator they are investigating while simultaneously destroying my credit profile behind the scenes. Due to this severe violation of the Fair Credit Billing Act I demand that Wells Fargo immediately contact all major credit bureaus to completely remove delete and permanently suppress this entire trade line from my credit files.

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 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding an interest charge of {$240.00} that was added to my credit card account with Elan Financial Services after I made a payment that I believed satisfied my balance obligation. My account details are as follows : * Previous balance : {$14000.00} * Payment made : XX/XX/year> * Payment amount : {$14000.00} * Payment due date : XX/XX/year> * Purchases after payment : {$0.00} * Late fee charged : {$30.00} ( later removed after speaking with a representative ) * Interest charge added : {$240.00} * APR : 29.49 % * Statement closing date : XX/XX/year> Before making my payment, I contacted Elan Financial Services regarding the late fee. The representative I spoke with agreed to remove the {$30.00} late fee. I then made my payment based on the balance I understood to be owed. After receiving my next statement, I discovered a {$240.00} interest charge. I contacted Elan Financial Services multiple times to request an explanation and a review of this charge. I asked for details on how the interest was calculated, including the dates used, the balance used for the calculation, and why such a large interest charge was assessed after my payment was made before the due date. My requests were denied. During one call, a supervisor was rude and disconnected the call while I was attempting to resolve the issue. When I called back and spoke with another supervisor, I was told the matter would be addressed with that employee, but the interest charge was still not reviewed or removed.

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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Services is falsely reporting a debt collection account on my credit report. I dispute the accuracy of this account because it does not belong to me and/or is inaccurate. I request a thorough investigation and removal of this account if it can not be verified, in accordance with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). To the extent applicable, I also assert my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e, 1692f, and 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 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: CA

Complaint narrative:
Complaint : Before I filed my first CFPB complaint, Citibank did not properly recognize my two payments totaling {$500.00} ( {$300.00} paid on XX/XX/year>, and {$200.00} paid on XX/XX/year> ). After I filed my complaint, Citibank acknowledged in its XX/XX/year> written response that it had received both payments. Citibank also stated that it had credited {$150.00} in late fees and {$27.00} in interest charges, and that these credits would appear on a subsequent statement. However, my credit card account was later closed, yet I have now received another billing statement. I do not understand why I am still receiving billing statements after my account was closed. I also do not know whether the promised credits were actually applied to my account or how my current balance was calculated. I request that Citibank provide : 1. A complete account transaction history. 2. The date and amount of every payment, credit, refund, late fee, and interest charge. 3. A detailed explanation of how my current balance was calculated. 4. An explanation of why I continue to receive billing statements after my account was closed. If Citibank believes I still owe a balance, it should identify every charge, every payment, every credit, and explain exactly how the remaining balance was calculated.

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