vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXXComplaint Regarding Denial of Access Under Valid Power of Attorney Due to Risk ScreeningXXXXI am submitting this complaint regarding the refusal of Wells Fargo to recognize my valid Power of Attorney and allow me to access my fianc\'s bank account.XXXXI presented a legally executed Power of Attorney authorizing me to act on my fianc\'s behalf. Despite providing the requested documentation, the bank denied my request based on its internal "risk screening" process rather than identifying any deficiency with the Power of Attorney itself.XXXXThe bank has not clearly explained the specific reason for the denial or what additional information, if any, would resolve the issue. This refusal has prevented me from managing my fianc\'s financial affairs as authorized and has caused unnecessary hardship and delays.XXXXI respectfully request that the Consumer Financial Protection Bureau investigate whether the bank has properly complied with applicable laws and regulations governing the acceptance of valid Powers of Attorney. I also request that the bank provide a written explanation for its decision, identify any documentation needed to complete its review, and promptly reconsider its refusal to honor the Power of Attorney.XXXXThank you for your attention to this matter. I appreciate your assistance in helping resolve this issue.XXXXSincerely,XXXX XXXX XXXXContact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA 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 2026-07-08 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: WI

Complaint narrative:
I called Citi bank for my American Airlines AAdvantage card and asked them to cancel it. The operator kept asking more and more personal information and I finally stopped him when he asked for my bank account information. He refused to cancel the card unless I gave him my checking account information. I asked for a supervisor and he claimed that there was no-one to transfer me to. He claimed that he was unable to verify my card on the phone and needed my bank account information. The person was from another country and sounded to be from XXXX. The number I called was XXXX on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX and lasted for 11 minutes. The only complaint he made when he asked my birthdate was that I sounded to young to match my birth year.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: MI

Complaint narrative:
" I have a title loan with this company and have maintained continuous, active personal auto insurance for the entire duration of the loan. Despite this, the company improperly charged my account an unauthorized {$2000.00} 'Insurance Lacking ' ( Collateral Protection Insurance ) fee. After I provided proof of my continuous personal coverage, the company acknowledged the error by issuing a partial credit memo of {$1800.00} on XX/XX/year>. However, they are refusing to credit the remaining balance of {$230.00}. Furthermore, they misapplied my XX/XX/XXXX payment of {$34.00} entirely toward this unauthorized insurance fee instead of my actual principal and interest. The company has ignored my direct email disputes and has now artificially inflated my monthly contract payment from my regular {$28.00} rate to an unauthorized installment amount of {$56.00} to collect the unearned fee leftovers. I am seeking a full credit of the remaining {$230.00}, correct application of my {$34.00} payment to my loan principal, and a restoration of my contractual {$28.00} monthly payment. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing this complaint because Barclays Bank Delaware, XXXX XXXX XXXX XXXX XXXX, and XXXX have prevented me from resolving and paying my debt. For more than a month, I have made numerous phone calls to all three companies in an effort to discuss my account and arrange payment. Unfortunately, each company directs me to another, and no one is willing to assist me. XXXX XXXX XXXX XXXX XXXX repeatedly states that my account is on hold and refuses to discuss the account, negotiate a settlement, or accept payment. I have also contacted XXXX several times, and they informed me that they have already sent the necessary authorization requesting that the hold be removed. Despite this, XXXX XXXX XXXX continues to claim that the account remains on hold. To make matters worse, I have been informed that this account has already been referred to court, yet I am still being denied the opportunity to resolve the matter voluntarily. I am making every effort to satisfy this debt, but the actions of these companies are preventing me from doing so. Their failure to provide a clear path for payment is causing significant harm to my credit and exposing me to unnecessary legal consequences. I respectfully request that this matter be investigated immediately and that the appropriate party remove the hold, communicate with me regarding my account, and allow me to negotiate and pay the balance without further delay. Thank you for your prompt attention to this serious matter. 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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a formal credit card billing dispute against Wells Fargo regarding a ledger sequencing error on my account ending in XXXX. I have already escalated this to their XXXX team ( Case XXXX XXXXXXXX ), but they closed the case with a generic boilerplate response that completely ignored the specific transaction timing conflict. On XX/XX/year>, I took out a {$2100.00} cash advance and made a same-day online payment of {$1500.00}. On XX/XX/XXXX, I paid an additional {$400.00}, totaling {$1900.00} in good-faith payments within the cycle. Because the {$2100.00} cash advance and the {$1500.00} payment hit the ledger on the exact same calendar day, Wells Fargo 's automated system processed the payment a split-second before the cash advance registered. This caused the system to read the high-interest cash advance balance as {$0.00} at that exact millisecond, automatically diverting 100 % of my {$1900.00} in payments into a 0 % promotional balance. As a result of this timeline glitch, the bank left a {$2100.00} cash advance completely untouched to accrue daily interest at 29.49 %, charging me {$46.00} in interest and a {$100.00} transaction fee. Had the transactions been sequenced properly, my cash advance balance would have dropped to {$600.00} on XX/XX/XXXX and down to {$200.00} on XX/XX/XXXX. Wells Fargo 's XXXX team refused to conduct a manual review of this same-day timing conflict, hiding behind generic payment allocation rules. I am invoking my rights under the XXXX XXXX XXXX XXXX regarding processing timeline errors. I demand a retroactive manual payment re-allocation to the cash advance balance as of the posting dates, a full refund of the {$46.00} interest charge, and a waiver of the {$100.00} cash advance fee.

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I requested a {$600.00} balance transfer on my Citi XXXX XXXX card to pay off my XXXX Bank credit card account. The transaction posted to my Citi account on XX/XX/year> as XXXX XXXX - XXXX XXXX, and Citi charged my Citi account {$600.00} for the transfer. XXXX XXXX has confirmed they never received the payment. Since XXXX, I have contacted Citi customer service numerous times to resolve this issue. During every conversation, Citi representatives have stated that their records show the balance transfer check was cashed. However, despite repeated requests over the past XXXX months, Citi has never provided any documentation supporting that claim. I have repeatedly requested copies of the negotiated check, including the front and back of the check, the date it cleared, the bank that negotiated it, the payee information, and any evidence showing the funds were received by XXXX Bank. Each time I was told the documentation would either be mailed within 1014 days or become available through my Citi XXXX secure messages within approximately XXXX hours. Neither occurred. During a recent call, I was told Citi 's secure messaging system was experiencing issues and that this prevented the requested documentation from being delivered. However, on XX/XX/year>, I received a secure message through that same system notifying me that a dispute had finally been opened regarding this transaction after nearly XXXX months and multiple phone calls. To date : Citi has charged me for a {$600.00} balance transfer. XXXX XXXX states they never received the payment. Citi claims the check was negotiated but has provided no evidence supporting that claim. I have spent numerous hours attempting to resolve this directly with Citi without success. I am requesting that Citi either provide documentary proof that the balance transfer was successfully negotiated or reverse the {$600.00} balance transfer and refund any associated interest or fees.

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 — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi added safeguard to my account without my permission, charged me for over a decade. They were still actively charging me even after the XXXX settlement that was issued. Where talking about XXXX years of unauthorized charges, plus interest I paid. Then to be charged XXXX + years after they were ordered to have this product removed is very interesting.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have XXXX separate credit card promotions. XXXX balance that was currently on the card has a promotion that offers XXXX interest that ends on a date. Then I transferred money from a different debt account to take advantage of a new promotion they offered on my current card if I moved the debt over to my wells fargo card. Since doing that, they mixed the both balances together so you can not tell which promotional good rate ends sooner and what the interest rate will jump up to when it does end. Clearly I want to pay off the balance that has the promo good rate that ends the earliest, but I have no way of knowing which balance that is out of the XXXX. Also when I called I asked because I am set up on auto pay, which balance does the auto pay go towards first. Again, obviously I would want to auto pay each month to go towards the good promo rate that runs out the earliest but I have no way of knowing if they are actually doing that or not. The other thing they could not tell me, if I call to pay off XXXX of the XXXX balances early, how can I make that pay off go to the good promo rate balance that runs out the earliest. I've called several times to inquire about all of this but they say they do not have an answer for me. I've asked to speak to XXXX different supervisors and they had no clue the answer to my questions. It was terrible customer service and seems like they are doing it on purpose so that the consumer is in the dark and has no way of paying off the balances before the promo rate ends. It's very misleading and can not be legal. So I need to know XXXX things : how can I set up my auto pay so It's going towards the promo rate that ends the earliest or at least understand which balance they are designating my auto pay towards if they can not set it up that way. The second thing I need to know is if I call to either pay off XXXX of the XXXX balances or pay several XXXX to pay it down some, how can I designate which of the XXXX accounts they are applying my large payment towards. I asked them XXXX different times to send me all of this in writing by mail so I am clear how they are doing this, but they failed to ever send me anything.

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 — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to make a deposit ( {$100.00} cash ) at Truist ATM. The machine had an error, they took my money and it didnt credit account. I called truist, went to branch, all just to file a dispute. They then informed me that they couldnt credit account and i wouldnt have access to the {$100.00} for up to XXXX weeks while they review it. This left me with XXXX money for the week. Literally XXXX and Truist isnt offering any help.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On [ Date ], my Truist debit card ending in [ last XXXX ] was charged XXXX separate times by XXXX for XXXX single order. Due to insufficient funds, XXXX charges each triggered a {$36.00} overdraft fee, totaling {$210.00}. I contacted Truist twice by phone yesterday and today XX/XX/year> requesting a one-time courtesy waiver with XXXX different people including a supervisor from the escalation department. Both times my requests for a first time courtesy and good will reimbursement were denied, including by XXXX supervisors. I have XXXX accounts with Truist, including business checking and XXXX lines of credit, and have never requested an overdraft fee waiver before. XXXX splitting XXXX order into multiple charges caused disproportionate fees. Paying {$100.00} in fees for XXXX mistaken purchase for less that {$100.00}, creates significant hardship. XXXX requested : Full refund of {$100.00} in overdraft fees. Thanks

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
This collection agency called Credit Control LLC Keeps putting fraudulent information on my credit reports this started about year ago where they keep messing with my credit reports, and today I happen to look at my credit report and saw they was at it again now they trying to say i opened a XXXX account XXXX of XXXX which is fraud. every time they put this fraud information on my credit report they it's always different date.

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: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Contacted me by text message several days after I observed their receipt of a a debt verification request letter that I sent to them via certified mail, despite me calling for an end to communication.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: TX

Complaint narrative:
I have multiple conversations with this company revoking permission to debit my account, I have all proof of conversations and multiple demands they do not debit my account and XXXX times now they have continued to debit my account and will not provide any more information

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 2026-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services of XXXX is violating federal debt collection laws by reporting erroneously to the credit bureaus debt that is not owed. Furthermore, this debt was reported without prior notification. I never received any debt validation or any other correspondence from Credit Collection Services before they place debt on my credit. The company they are proclaiming that I owe is my current insurance company that I have been with for over XXXX yrs without any lapsed in payment or insurance. I contacted my insurance company and they could provide proof of any missed payments. Attached is proof of on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am disputing {$130.00} in automated overdraft fees charged on XX/XX/year>. On XX/XX/XXXX, I transferred {$120.00} to cover a negative balance, and my mobile app explicitly showed a positive Available Balance of + {$1.00} at XXXX XXXX local time. The bank 's system still penalized me with maximum overdraft fees solely because of an XXXX XXXX XXXX server cutoff. I did my part locally to make the account positive, the funds were actively available, and using a rigid time-zone delay to deny a correction is predatory. I want the {$130.00} in fees refunded. ''

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 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
my XXXX XXXX be ex huband sometime arund XXXX did a loan modification without my consent. I never gave consent to do this and asked if they could give me information regarding if any equity was taken out or if the terms changed and noting

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I have an unused XXXX XXXX reward card issued by XXXX that expired XX/XX/year> for {$200.00}. The funds do not expire under XXXX law. However, XXXX 's phone agents and online portal are bouncing me in a loop and refusing to reissue my funds. I am requesting a check or replacement card for my 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 explanation