vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX # XXXX I had a problem registering the account and making an online payment. I informed citi in the original complaint that the support agent did not provide enough assistance to sort it out and refused to follow up with me at a time convenient to me. 

They claimed to have solved it but when trying to register I still get the same block.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
My checking account type was changed without my consent. There were fees and features associated with this account that I did not want. I went into a US Bank branch on XXXX XXXX in XXXX XXXX XXXX, NV and spoke with an account manager. She updated my account type. She told me that I would not be charged fees with this account type. For over a year, I was charged a monthly maintenance fee, and that fee was then waived and reversed the same day. I can see this in my transaction log. 

On XX/XX/XXXX, I was charged a monthly maintenance fee. It was not automatically reversed. I contacted US Bank for assistance. Rather than understand the situation, the rep read from the same script that their AI Chat uses. She could not answer questions about why I was suddenly charged. She told me that I would be charged every month going forward. Following the call, I completed several surveys then sent. I was offered an opportunity to speak with a customer care representative. 

On that call, I was told that my account was subject to fees and that the person at the branch provided false information. No explanation was provided for how my fees were routinely, automatically waived. The rep then offered to waive the fees for a couple months going forward, but that this new account type would still be subject to monthly maintenance fees. This suggests that something was wrong, I was lied to, or some form of bypass was implemented, then lifted. This rep was going to put the same temporary fix in place and the issue would return later. At no time was I offered a more appropriate option. 

I do not trust US Bank. I have had many issues. They are often " resolved '' after many phone calls and branch visits, although the resolution never seems to fix the relationship and avoid surprises. If I don't close my account and move banks, this will happen again in several months. 

I have been a customer of US Bank since XXXX. I am concerned that I will now have to transition all of my accounts, including my children 's accounts, out of their custody.

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 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
interest is ridiculous. i have been paying {$330.00} a month on a {$2000.00} loan for months and yet i still owe {$1800.00}. i can not continue to pay this. i had no knowledge of the amount of interest i would be charged. this company does not work with you in any way. the will not give you a payout amount with no interest to just rid of this loan.

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 2026-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am disputing this collection account because I have been unable to verify that the debt belongs to me. Credit Control , LLC reports the original creditor as XXXX. I contacted Credit Control , LLC to request information about the alleged debt, but the representative was unable to explain what the debt was for or provide details regarding the account. I then contacted XXXX to verify the debt, but XXXX was also unable to confirm or validate the account. 

I have made good-faith efforts to verify and resolve this matter, but neither the collection agency nor the alleged original creditor has been able to provide sufficient information identifying the debt or confirming that I am responsible for it. I request that Credit Control , LLC provide documentation validating the debt, including the original account information and supporting records. If the debt can not be verified, I request that the collection be removed from my credit report.

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 2026-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
ServiSolutions officially received XXXX  credited my replacement insurance check ( # XXXX ) for {$1700.00} on XX/XX/year>. However, they have failed XXXX  complete the accurate escrow reconstruction promised by XXXX XXXX in their formal federal response. As of XX/XX/XXXX, their online portal still incorrectly shows a massive phantom escrow shortage of - {$4200.00} XXXX  is generating an erroneous monthly payment of {$2200.00} instead of my correct standard base rate of {$1500.00}. Please require their XXXX compliance team XXXX  manually complete the promised escrow analysis XXXX  reset my monthly payment XXXX  the correct amount immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SC

Complaint narrative:
I have been calling to get this straightened out since XX/XX/XXXX. Have called at least 10 different times & escalated to Supervisors of Security Dept & STILL not had any resolution. I received a text alert on XX/XX/XXXX that my balance exceeded my set amount. I looked online & IMMEDIATELY contacted Citi to inform them my card ending in XXXX had been compromised. After seeing 4 different charges from a XXXX XXXX in XXXX, TX on my XXXX statement, I requested that that XXXX card be canceled and reissued as it had obviously been compromised. The card was canceled & I received a new card ending in XXXX, only 1 of the 4 charges from XXXX in XXXX, TX was removed.The only charge they removed was the very 1st one : XX/XX/XXXX {$86.00}. 
Three of the same XXXX store charges were transferred over to my to XXXX statement under the new XXXX number. They do not APPEAR on the statement.... they only appeared on the XXXX statement... but THEIR AMOUNTS WERE TRANSFERRED over to the new card balance along with interest charges. Charges which ARE NOT MINE are as follows : XX/XX/XXXX {$140.00} XXXX # XXXX XXXX TX XX/XX/XXXX {$41.00} XXXX # XXXX XXXX TX XX/XX/XXXX {$2500.00} XXXX # XXXX XXXX TX Apparently, since the charges only appeared on the XXXX statement, they are having trouble removing them. I HAVE BEEN CALLING ABOUT THIS NONSTOP SINCE XX/XX/XXXX & have not had ANY satisfaction. ENDLESS phone calls to the CITI XXXX XXXX XXXX have gotten me nowhere. I am also being charged interest each month... something I NEVER usually have since I always pay my bill in FULL. 
I want all 3 of these fraudulent charges removed along with the additional interest I've been charged EACH MONTH since my XXXX statement.

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 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: TX

Complaint narrative:
Received collection letter from MRC ( see letter attached ). Called them to state that I have no clue as to what this is ; agent was rude ; stated that I was trying to not pay and hung up on me. Called back to say this was not mine ; even uglier, and hung up on me again. Letter states original creditor is " XXXX XXXX '', a company I have never heard of and have never contacted or done business with. Agent also stated that this debt originated on XX/XX/XXXX at my home address in XXXX, TX. I moved out of XXXX in XXXX, so a loan in XXXX stating this address is simply false. I have never heard of either XXXX XXXX or the Mediation Recovery Center Collection agency, did not make this loan, and was not living at the address stated when the loan was made. This is a complete fraud and scam effort. These calls happen to me on a regular basis, each time from a different collection agency, and occur about twice a month. No documentation is ever provided, and no action is ever taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
I submitted a formal payoff statement request on XX/XX/year> for my property at XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX, Loan #. M & T Bank committed XXXX  delivering the payoff statement by XX/XX/year>. That deadline passed without any response or communication. I have an active purchase offer of {$330000.00} on this property which will fully satisfy the mortgage in its entirety. I have called multiple times, been transferred repeatedly between departments, was promised a XXXX  XXXX  instead received an escalation XXXX who refused XXXX  provide her last name, XXXX  am now being told XXXX  wait another XXXX business days on top of a deadline already missed. Every day of delay puts my active buyer at risk. A completed sale nets M & T Bank more than a foreclosure auction. I am requesting immediate escalation XXXX  delivery of the payoff statement today. ''

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a check deposited in my bank account that has been placed on an executive hold to cover overdraft fees. The overdraft fees were well under the check amount. They will not release the funds for 7 days which is causing more overdraft fees. The representative said there is nothing they can do.

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 2026-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I had a mortgage with Wells Fargo in good standing. XXXX XXXX  foreclosed on my house in XX/XX/XXXX due only to a HELOC loan I was advised by a bankruptcy attorney in XX/XX/XXXX to stop paying until my loan so he could refinance. I assumed I was in bankruptcy procedure and contacted XXXX and Wells Fargo with this information. Then in XX/XX/XXXX I was told I was not in bankruptcy because my attorney XXXX never filed etc. and did not contact me. I am doing this complaint about Wells Fargo mortgage because they allowed XXXX to steal all my equity and foreclose on my house for a XXXX $ loan which i paid a week after foreclosure. So I lost my house for {$7000.00} and my mortgage was up to 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 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I am filing this complaint because ABILITY RECOVERY SERVICE is attempting to collect on a medical debt from XXXX XXXX XXXX that was previously verified as 100 % written off to charity. 
This is the second collection agency to attempt to collect on this same account, which confirms a failure in the original creditors data reporting or a persistent error in the secondary debt market. I have clear, written documentation from the Public Benefits Department at XXXX XXXX XXXX XX/XX/XXXX, XXXXconfirming that the account was written off at 100 % and that there is no outstanding balance. 
Despite this confirmation, this collection agency is inaccurately reporting this debt on my credit profile. I am requesting that the collection agency immediately cease all collection activity, delete this entry from my credit report, and provide written confirmation that they have updated their records to reflect that this account is not owed.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank customer for many years and have maintained a perfect payment history with my account. My account was always in good standing, and I consistently made my required payments on time. 

In XXXX XXXX, Citibank reduced my credit limit from approximately {$8200.00} to {$3000.00}. The letter I received stated that Citibank used a credit scoring system that assigns numerical values to information from my account and my credit report, and that the resulting score was not high enough to maintain my previous credit limit. Citibank cited that my credit report showed my balances on revolving accounts were too high in relation to my available credit lines. 

At the time of the credit limit reduction, my utilization on my Citibank account was approximately 36 %. Following Citibanks decision to reduce my credit limit by more than half, my utilization on that same account increased to approximately 96 %, despite no significant increase in my balance. This action appears to have directly worsened the utilization issue Citibank cited as the reason for the reduction. 

I contacted Citibank through multiple channels to explain my situation and request reconsideration, but my concerns were not resolved. 

Today, I received another notice from Citibank stating that they will not be issuing a replacement card when my current card expires in XXXX XXXX. Citibank stated that they are making this decision because my credit report shows that my revolving account balances are too high in relation to my credit limits and because my payments were low on one or more accounts with Citibank. 

I believe this decision is unfair and misleading because my account with Citibank has remained in good standing, I have always made at least the required minimum payments on time, and Citibanks own credit limit reduction significantly contributed to the high utilization they are now citing as a reason to deny me a replacement card.

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
After I returned my rental vehicle, I was accused of causing damage that I did not cause. See the photo belowthe alleged damage was a scratch on the rim that was less than half an inch long, and it was already there before we picked up the vehicle. I asked if they could provide pictures of the rim before and they can not furnish any pictures. Based on how the situation unfolded, I was left with the impression that the inspection process was focused on finding reasons to charge customers rather than fairly evaluating the condition of the vehicle. 
We drove the car to visit my grandparents in XXXX  Indiana, where there weren't even any curbs. Once we arrived at their house, the vehicle remained parked until we drove it back to the airport. Despite explaining this and disputing the claim, the matter was eventually turned over to a debt collection agency. 
The entire process was stressful, frustrating, and left me feeling that I was treated unfairly. This was one of the worst customer service experiences I have ever had. Instead of working to resolve a disputed claim in a fair and transparent manner, I felt that I was presumed responsible without adequate consideration of the evidence or my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX I was sent a letter saying if my account was not caught up XXXX  being more then XXXX  days past due I was subject XXXX  repossession. I caught up immediately. 

I did continue XXXX  struggle XXXX  make payments following but never received any further communication from BMO. 

On XX/XX/XXXX I made a payment of {$700.00} on the vehicle XXXX  owed about {$600.00} XXXX  catch up. 

On XX/XX/XXXX my car was repossessed in my work parking lot. I was shocked. 

I called the police but they could not do anything t because the driver had an order. 

I called BMO repeatedly that day XXXX  everyone I would talk XXXX  someone I got disconnected. 

I finally spoke XXXX  someone XXXX  XXXX  said I needed about {$1000.00} in all fees XXXX  catch up XXXX  I said that was fair. There was also going XXXX  be a fee for the repo. 

When I called today XXXX  make the payment I was quoted {$2500.00}, meaning about {$1400.00} in additional fees. 

I need my car for work XXXX  my kids. I do not think it should have legally been reposed in the XXXX  place since they had just taken a huge payment. 

Please help me as I can not afford these 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 non-monetary relief
Consumer complaint received 2026-07-14 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: NJ

Complaint narrative:
I am filing a formal complaint against Citibank for failing to conduct a " reasonable investigation '' under the Fair Credit Billing Act ( FCBA ) regarding Case ID : XXXX. 

On XX/XX/XXXX, I was charged {$1900.00} at XXXX XXXX for a brake overhaul. Immediately after their repairs were completed and I picked up the vehicle on XX/XX/XXXX, the car developed a severe, dangerous mechanical safety issue ( a loud metallic clunking noise over bumps ) that was completely non-existent prior to XXXX servicing the front brakes. Two days later, they attempted to defraud me by quoting an additional {$2900.00} for an unneeded suspension replacement to cover up their error. Furthermore, they refused to honor my active XXXX XXXX XXXX XXXX on the brake pads. 

I opened a dispute and strictly followed Citibank 's explicit evidence requirements. On XX/XX/XXXX, I obtained a signed invoice from an independent expert facility ( XXXX XXXX XXXX XXXX Invoice # XXXX ) proving that the suspension was fine, and that XXXX XXXX XXXX XXXX had to remove and replace the front right caliper assembly to correct the XXXX technician 's installation error on the front brakes they had just serviced, costing me {$400.00} out of pocket. 

Citibanks system has operated like a complete sham, shuffling paperwork automatically without human review : XXXX. They closed and denied the case on XX/XX/XXXX. 
XXXX. They reopened it on XX/XX/XXXX, demanding the paperwork again. 
XXXX. I successfully submitted the full evidence packet on XX/XX/XXXX. Citibank 's online system explicitly tracks and acknowledges that documents were received on XX/XX/XXXX. 
XXXX. Despite this, the case was automatically closed and denied a second time on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX, I spoke to a phone representative who admitted he could not see or access my XX/XX/XXXX documents inside the system, proving that Citibank is closing consumer disputes without checking the evidence legally provided to them. 

Citibank is holding me responsible for a {$1900.00} charge without investigating anything, reviewing the third-party expert mechanical proof, or acknowledging their own document system pipeline. I demand a full, manual executive review of my files and a permanent reversal of this charge.

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