vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
I was charged interest that I did not knowingly agree to and that was not clearly explained to me before the charges were assessed. I paid my statement balance believing that doing so would avoid interest charges. However, I was later charged {$21.00} in interest in XX/XX/year> and {$30.00} in interest in XX/XX/year>. When I contacted the company, I was told that cardmembers must pay their statement balance in full for XXXX consecutive statements before the interest-free period on purchases is restored, and that I may still see additional interest charged next month due to the way trailing interest is calculated. This policy was not made clear to me. I was not aware that paying the statement balance once would still result in additional interest, nor was I clearly informed that XXXX consecutive full statement payments were required to stop these charges. Had this been clearly disclosed, I would have paid the full balance immediately to avoid any interest. I am requesting that the company review my account and refund the interest charges of {$21.00} and {$30.00}, for a total of {$51.00}. I am also requesting that any additional trailing interest related to this issue be waived. Additionally, I request a clear written explanation of how the interest was calculated, when this policy changed, and where this requirement was disclosed to me before the charges were applied. I believe these charges were unfair because I made a good-faith effort to pay the statement balance and avoid interest, but the companys policy and calculation method were not clearly communicated.

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 2026-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I am submitting this complaint against Monterey Collection Services regarding its continued collection efforts and reporting of an alleged debt that I formally dispute. I have never entered into a contract or agreement with Monterey Collection Services, nor have I ever agreed to pay this company directly. If XXXX claims the right to collect this alleged debt, I believe it should be required to demonstrate its legal authority to do so. After receiving notice of this collection account, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by requesting validation of the alleged debt. I also disputed the accuracy of the information being reported under the Fair Credit Reporting Act ( FCRA ). In response, Monterey Collection Services provided only a billing summary or statement of charges. I do not believe this response adequately validates the alleged debt or establishes that Monterey Collection Services has the legal authority to collect it. Specifically, I requested documentation sufficient to verify the debt and the collectors authority to collect it. To date, I have not received documentation that satisfies my request. Despite my dispute, Monterey Collection Services continues to report this account to the consumer reporting agencies, negatively affecting my credit. I respectfully request that the CFPB investigate this matter and require Monterey Collection Services to either : Provide documentation sufficient to validate the debt and establish its legal authority to collect it ; or Cease collection activity and request deletion of the account from all consumer reporting agencies if it can not properly verify the debt. I have made a good-faith effort to resolve this matter directly with the collection agency, but my concerns remain unresolved. Thank you for your time and consideration. I appreciate the CFPBs review of this complaint and look forward to its response. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Filed police report back in XXXX for fraud ( because debt does not belong to me ) to resolve debt but no communication was provided by debt collectors or apartment complex.

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 2026-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have Citibank checking and saving accounts and they randomly closed out my account after I submitted a dispute regarding items I didnt receive. I get direct deposit there so when I contacted them they told me that my account got closed XX/XX/XXXX so any deposited will be returned to sender. Now my direct deposit from my job got posted on there and I cant get the funds out nor they care to help me. I called Citibank non stop and everyone tells me something different. Latest news is I was told I need to wait XXXX days to receive all my funds from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
I am writing to request immediate resolution regarding the transfer of my mortgage from XXXX XXXX to M & T Bank. I received late notice of the servicing transferonly XXXX days before the effective date. Under federal law, I am required to receive a minimum of XXXX days advance written notice. I filed a complaint with the CFPB in late XXXX regarding this issue. On XX/XX/XXXX, I was instructed to set up my new account with M & T Bank. After doing so, I encountered repeated technical issues. The mobile app was not functioning, and the website repeatedly stated that I already had an account, even though I had no password or login credentials that worked. When I called, the voicemail system stated that M & T was experiencing problems with everyones transfers. It took XXXX days before I was finally able to log in and set my password. On XX/XX/XXXX, I paid my mortgage through the M & T website using the same checking account and ACH method I used with the previous servicer. When no payment appeared the next day, I sent a secure message to M & T. On XX/XX/XXXX, M & T provided an internal transaction number and stated the payment would take XXXX business days to process. I also contacted my bank on XX/XX/XXXX, and they confirmed they had received no ACH request from M & T. I then requested the XXXX XXXX ID from M & T. I received no response. Today, XX/XX/XXXX, my account now shows that I am XXXX days past due, despite M & T having already issued a transaction number for my payment.

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 2026-07-04 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: U.S. BANCORP
State: MD

Complaint narrative:
This is a follow-up complaint regarding a complaint ( CFPB Complaint Number : XXXX ) that was denied by U. SXXXX Bank and originally filed on XX/XX/year>. Please review the following : XXXX. The initial claims intake processor handling this dispute stated that he had received all the information he needed. XXXX. I never received a hard copy of the form that you stated was sent on XX/XX/year>, and XX/XX/year>. I was not aware of this form until today, when I received your response. XXXX. I never received the letter dated XX/XX/year>, notifying me that the provisional credit of {$1800.00} would be reversed. I only became aware of the reversal when I noticed the chargeback on my credit card account. XXXX. I immediately contacted U.S. Bank Customer Service regarding the reversal. I was told there was " insufficient information. '' I asked what that meant and what additional information I needed to provide, but the representative was unable to explain. XXXX. I spoke with multiple customer service representatives and claims processors. None of them informed me that I needed to complete and return a specific form. XXXX. U.S. Bank provided me with XXXX phone numbers for the merchants and instructed me to call them and report the results. I did so immediately. XXXX number went directly to an automated system and did not provide an option to speak with a representative. The other number disconnected after the first ring. I promptly reported these results to U.S. Bank. XXXX. I followed all of the instructions provided by U.S. Bank. XXXX. I recently received an itemized transaction history from XXXX for my account. It shows that the scammer used the Alabama checking account to pay my insurance premium after charging my credit card. XXXX later reversed that payment with the reason, " No account or unable to locate the account. '' I then made the payment again on XX/XX/year> using the U. S. Bank credit card. XXXX. I didnt receive any merchandise or service for the transaction. XXXX. I disagree with the conclusion that my case was handled appropriately. I have attached the itemized transaction history from XXXX and the signed dispute form. Please advise if I must provide any further information. I greatly appreciate your time and attention to this matter. 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 monetary relief
Consumer complaint received 2026-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Albert Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX withdrew the entire balance of my XXXX XXXX checking account in the amount of {$14.00} by way of my stored debit card. This is unusual for XXXX to take the entire available balance. In previous small dollar withdrawals, XXXX withdrew whole dollar amounts only. Within minutes of the {$14.00} XXXX withdrawal, an attempted fraudulent purchase for {$510.00} for XXXX XXXX in XXXX XXXX was declined. I believe XXXX exposed my checking account ledger balance, debit card number, expiration and CVV code when they withdrew my entire available account balance.

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 2026-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I moved in XXXX, canceled my alarm with XXXX when I did. XXXX said I owed my money, I challenged it on my credit because they tried to say I was under contract, they dismissed it. Recently been receiving emails and they texted my daughter saying I owed zions credit money. I reached out they tried to say I stopped paying XXXX in XXXX. That's not true. I reached out to vivint and they sent me the last invoice from XXXX. I've contacted the BBB and sent all messages from XXXX and zion to them, they responded to the first complaint but didn't on my reply and now they are texting my XXXX XXXX XXXX daughter who has her own phone plan

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 2026-07-04 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: NC

Complaint narrative:
I am filing this formal complaint against Wells Fargo regarding their failure to conduct a fair and accurate investigation into fraudulent activity on my account. I reported an initial fraud claim ( Ref # XXXX ) regarding unauthorized charges, for which I received a provisional credit. Subsequently, I was forced to open a second claim ( Ref # XXXX ) after the {$400.00} provisional creditand additional fundswere stolen while I was actively on the phone with Wells Fargo representatives, reporting that my replacement card had not yet been activated. Compounding this, Wells Fargo unilaterally added numerous personal, legitimate transactions to a separate claim ( Ref # XXXX ) without ever consulting me, and then denied that claim as " not fraud. '' This process has been entirely handled in bad faith ; the bank bundled my valid personal charges with fraudulent ones, failed to investigate the clear unauthorized activity that occurred while I was in contact with them, and ignored my attempts to clarify which charges were valid versus stolen. I am requesting a full investigation into these specific claims, an immediate reversal of the unauthorized charges that were erroneously denied, and a corrected accounting of my funds, as the current state of my account balance is the direct result of the banks gross negligence in handling these fraud reports.

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 2026-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding a check fraud incident that has caused financial loss and distress. On XX/XX/year>, I discovered that a check from my account was fraudulently forged and cashed without my authorization for XXXX. The check in question was originally issued for XXXX XXXX, but was altered to XXXX XXXX and deposited by an unknown party. The check was cashed on XX/XX/year> at one of us bank branches located at the city of XXXX XXXX. I immediately reported this matter to my bank, US Bank, on XX/XX/year>, and filed a fraud claim. Despite my prompt action and multiple calls, the resolution provided by the bank has been unsatisfactory because they have not made reimbursement, failed to share any updates. I am requesting that the CFPB : Investigate this matter in coordination with my bank. Ensure compliance with applicable consumer protection laws, including the Expedited Funds Availability Act and Uniform Commercial Code provisions. Require my bank to provide a full written explanation of their decision and any supporting evidence. My fraud claim reference number : XXXX, I appreciate your prompt attention to this matter and look forward to your response. 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 2026-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
My debt I owed to swift trucking got sent to collections all fine and dandy I suppose. I explained my situation to collection agency. And paid what I could and was supposed to, to keep it off of my credit and I just happen to look and today on XX/XX/year> I see its on my credit. And I just dont understand why they went back on their word. They record all of their calls so they clearly state that if I paid what I was supposed to which I did. It would not go on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Dispute ID : XXXX Dispute date : XX/XX/year> Disputed amount : {$100.00} Debit card number ending in : XXXX Dispute ID : XXXX Dispute date : XX/XX/year> Disputed amount : {$73.00} Debit card number ending in : XXXX Both charges where made at a XXXX XXXX in a town I have never been to and I never shopped at XXXX. Also i was not in the area at the time. As it was my birthday XX/XX/XXXX and was away, they havent furnished any receipts or eveidence.

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 2026-07-05 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: NC

Complaint narrative:
I requested they send me my title which they said i would receive in XXXX weeks its been over XXXX months

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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Citibank credit card that I paid every month like I'm supposed to never been late and I have information here that they closed the account and no one will talk to me I want my account back open it's ridiculous

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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I got a care credit credit card from a dental office to pay for teeth extraction, and they had XXXX year promotion of interest, free if you paid it off before the year was up and I was not able to do to only working part time so after the year I closed the account and I was just charged {$270.00} in interest on a closed account that I cant make any purchases on and the last few months they have not been charging me but I see you dollars in interest 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 2026-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: OH

Complaint narrative:
I wrote regarding their attempt to collect an alleged debt from me. At this time, I do not acknowledge or admit that I owe this debt. I requested that they provided documentation so I can verify whether the debt is accurate and whether your company has the legal authority to collect it.

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 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am reporting suspected unauthorized access to and disclosure of information from my personal M & T Bank accounts. On XX/XX/year>, I learned that M & T employee XXXX XXXX may have accessed my checking and savings accounts without a business purpose and disclosed a XXXX transaction to my brother and others. I reported this to XXXX XXXX XXXX on XX/XX/year>. On XX/XX/year>, XXXX XXXX told me the employee was terminated. I later learned she remains employed and may have been promoted.

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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XXXX, while I was a full-time student, I experienced financial hardship and fell behind on my Bank of America credit card XXXX I take full responsibility for what occurred. Since then, I have rebuilt my financial life, completed my medical training, and am now a practicing physician. I paid this account in full on XX/XX/XXXX, and it now reflects a {$0.00} balance. On XX/XX/XXXX, I submitted a goodwill request to Bank of America XXXX XXXX XXXX asking that my paid charge-off be reconsidered for removal. I never received any response. This paid charge-off is the only significant negative item on my credit reports and continues to affect my credit despite my repayment in full and years of responsible credit management. I understand Bank of America may report accurate information, and I am not disputing my responsibility for the account. I respectfully request that Bank of America conduct a meaningful review of my goodwill request and consider removing this paid charge-off as a one-time goodwill adjustment. If my request is denied, I respectfully request a written explanation of the decision.

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