vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Product/Issue : Credit Card -> Billing Dispute / Inaccurate Charges Company Name : USAA Federal Savings Bank Complaint Text : I am filing a formal dispute regarding severe, unverified charges along with an unnotified credit card closure by USAA Federal Savings Bank . USAA has been charging me for cash advances and compounding interest on cash advances that appear nowhere in my transaction history. I have meticulously reviewed my statements and mobile app transaction history going back 18 months. There is absolutely not one cash advance transaction listed anywhere on my ledger. USAA 's system is charging me interest on a balance that has no verifiable origin or transactional proof on either my app or my statements. Under Truth in Lending Act Regulation Z ( 12 CFR 1026.7 ), financial institutions are strictly required to itemize and disclose every single transaction, date, and amount that contributes to a balance. USAA is in direct violation of this requirement by assessing interest and demanding payment on unrecorded transactions. Furthermore, USAA abruptly informed me that they closed my credit card account. This devastating action was taken prior to any verbal communication, warning, or notification regarding overdue payments. Included at the bottom of the statement, a summary box reflects a continuously increasing cash advance total and increasing interest charges that are compounding out of thin air. I have attached all statements I have access to. XX/XX/year> is not listed under my account. I have also attached downloaded list of all transactions.

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/year>, I purchased a TV from Best Buy using my Best Buy Citi Credit Card. The TV cost approximately {$1200.00} and was financed with a two-year promotional, interest-free offer. Before the promotional period expired, I made a payment of approximately {$2500.00}. My understanding was that this payment would first satisfy the promotional balance on the TV, with the remaining amount applied toward my revolving balance. Since my payment exceeded the cost of the TV, I believed the promotional balance had been paid in full. However, at the end of the promotional period, I was charged approximately {$1100.00} in deferred interest. I later learned that my {$2500.00} payment had been applied entirely to my revolving balance instead of paying off the promotional balance, resulting in the interest charge. About a month after receiving the statement showing the interest charge, I contacted customer service. I was told my account would be reviewed and that someone would call me back. Unfortunately, I never received a follow-up, and no action was taken on my account. Approximately six months later, while reviewing my statements again, I saw that the {$1100.00} interest charge was still on my account. When I contacted customer service again, both the representative and the supervisor told me they could not assist because the grace period had passed. I believe this interest charge is unfair. I made a payment of approximately $ XXXXmore than double the promotional purchase amountwith the intent of paying off the promotional balance before it expired. Had my payment been applied to the promotional balance, as I reasonably expected, no deferred interest would have been charged. I respectfully request that this matter be reviewed and that the {$1100.00} interest charge be removed from my 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 2026-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Im trying to have this debt removed as at the time I had insurance and they billed improperly. They also have a failed to stop calling me as I have requested to have all communication via us postal service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: LJ Ross Associates
State: CA

Complaint narrative:
I am requesting validation of the alleged debt in the amount of {$700.00}. Please verify the accuracy of this account by providing : Original agreement with my signature Complete payment history Proof of reporting accuracy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: River Heights Capital LLC
State: FL

Complaint narrative:
XXXX XXXX called me again about a different account. They told me I owed money on card at an address somewhere in Florida I have never lived. It is supposed to be a XXXX account. I had just had been garnished for the one XXXX account I had before I had moved to Texas. I had stated I have nothing to do with the address they gave me for account. They have opened a claim to recover money. I stated I never lived at the address they associated with debt. I have been trying to get a job and I have had to distribute some information I would prefer not to send out and I think they used my information on that account. They stated that the address was somewhere in south Florida and I have not lived there besides living in XXXX XXXX Decades ago. XXXX XXXX keeps on attacking me. I think the last complaint I had against them, they had not responded. I was told by XXXX themselves that the debt should not be collected any more. I had no notice of that claim and my money was stolen from my XXXX XXXX account. This company is very disreputable and I would like them to quit attacking me. I haven't been able to get a permanent job because I was caretaking my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing this formal complaint against Wells Fargo regarding my Executive Case # XXXX ( associated with fraud claims # XXXX for {$95.00} and # XXXX for {$130.00} ). I am a victim of an internet scam involving counterfeit merchandise. On XX/XX/year>, I provided official federal law enforcement documentation to the bank, including certified reports from the FTC and the FBI 's Internet Crime Complaint Center ( IC3 ). Despite providing federal proof of a cybercrime, Wells Fargo 's automated system closed my claims on XX/XX/XXXX, stating the merchant had " valid authorization, '' completely ignoring the criminal nature of the transaction. After escalating this to the Wells Fargo Social Care Executive Team, they assigned me case # XXXX and promised a resolution within XXXX business days. Today, XX/XX/year>, instead of a resolution, they sent me an email pushing the response date to XX/XX/XXXX, XXXX for nearly XXXX additional months to review standard federal cybercrime forms. This delay is unacceptable and constitutes a failure to properly investigate a documented cybercrime. I request that Wells Fargo immediately review the federal evidence provided, bypass the automated guidelines, and credit my account ending in XXXX for both transactions ( {$95.00} and {$130.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding Truist Banks repeated and inconsistent handling of my mobile check deposits. I have an established history of depositing checks through the Truist mobile banking app. To my knowledge, not a single mobile check I have deposited has ever been returned, bounced, or caused a loss to Truist Bank. Despite this positive history, Truist continues placing seemingly random holds on my deposits without providing a clear or specific explanation. Recently, I deposited a check through the mobile app and was forced to pay more than a {$10.00} fee simply to gain immediate access to my own funds. The check cleared without issue. Now, after depositing another mobile check, Truist has once again placed a hold on the funds. What makes this particularly frustrating is that the check is shown in my account as successfully deposited, yet the funds remain unavailable because of a hold. There appears to be no consistent standard for when Truist decides to restrict access to deposited funds. From my perspective, these holds appear arbitrary and inconsistent with my account history. I am requesting that the CFPB investigate why Truist continues placing holds on my mobile deposits despite my history of successful deposits, determine whether Truist is complying with applicable funds availability requirements, and determine whether consumers are being unfairly required to pay additional fees simply to gain timely access to funds from checks that ultimately clear without issue. I also request that Truist provide a detailed explanation for the repeated holds placed on my account, identify the specific factors used to determine when a hold is applied, explain why my established deposit history has not been considered, and review whether these practices are consistent with federal consumer protection laws and the banks own disclosed funds availability policies. As a customer, I should not be subjected to unpredictable delays and additional costs when my deposit history demonstrates that my mobile check deposits consistently clear without incident. I respectfully request that the CFPB investigate these practices and require Truist to provide a full explanation and any appropriate corrective action.

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC
State: HI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone 3 times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, my Wells Fargo XXXX card ( authorized user card on my wifes account ) started throwing a Card not added. Contact card issuer for more information. error.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This collection account is the result of identity theft, and does not belong to me. I did not authorize the account did not receive the benefit of the service and I am not legally responsible for this debt. I have disputed this account and I am requesting that online information service conduct a reasonable investigation and provide all documentation proving that I opened or authorize this account. If they can not provide competent evidence that I am responsible, this collection must be deleted from my credit reports with Experian XXXX XXXX XXXX XXXX XXXXXXXX. Reporting in accurate information that resulted from identity theft is causing ongoing harm to my credit profile. I am requesting that this account be removed immediately and that all credit reporting agencies be notified to delete the collection from my Credit file.

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: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Regarding Denial of Truist {$400.00} New Account Bonus ( Promotion Code XXXX ) I opened a new Truist Simple Business Checking account on XX/XX/year>, using promotional code XXXX XXXX qualify for the advertised {$400.00} new account bonus. According XXXX the written promotion terms, customers qualify for the bonus by making XXXX XXXX totaling {$2000.00} or more within XXXX days of account opening. The disclosure also states that qualifying deposits may be made either as a XXXX deposit or cumulatively over the XXXXday qualification period. The written terms do not state that qualifying deposits must come from an employer, payroll provider, or direct deposit source. I met the stated requirements. My qualifying account activity includes : - XX/XX/year> XXXX of {$2000.00} - XX/XX/year> XXXX of {$2000.00} Both deposits were made within XXXX days of opening the account and exceeded the required {$2000.00} qualifying deposit amount. When I XXXX contacted Truist regarding the promotional bonus on XX/XX/XXXX, the representative reviewed my account XXXX informed me that I had successfully enrolled in the promotion XXXX that my transaction qualified. I was advised XXXX wait for the bonus XXXX be credited. However, when I contacted Truist again on XX/XX/XXXX, another representative provided conflicting information XXXX stated that I was not eligible because the qualifying deposit supposedly needed XXXX come from an employer. This requirement is not included anywhere in the written promotion terms for XXXX. I was also told that the promotional period had already passed, which conflicts with the fact that my account was opened XXXX funded within the required timeframe. I relied on the published promotion terms when opening XXXX funding this account. I should not be denied a promotional bonus based on an unpublished requirement or inconsistent information provided by Truist XXXX. If a XXXX incorrectly confirmed my eligibility, that is an internal training or communication issue XXXX should not result in the customer losing a bonus they qualified for under the written terms. I attempted XXXX resolve this matter directly with Truist, but they have not been able XXXX identify any specific provision in the promotion terms that disqualifies my account. I respectfully request that Truist : XXXX. XXXX the advertised {$400.00} promotional bonus XXXX credit it XXXX my account. XXXX Review the prior customer service interactions regarding this promotion. XXXX. Provide the specific written promotion provision if Truist continues XXXX claim that my deposits do not qualify. Based on the published terms and my completed qualifying activity, I believe the promotional bonus should be awarded.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint narrative:
My Aunt passed away on the XXXX of XX/XX/XXXX. In her will her bank account and house was left to myself. on the XXXX of XX/XX/XXXX I had an appointment with the Wells Fargo Branch XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I gave them a copy of the Affidavit and the Will so that my Aunts bank account could closed and the money transferred over to a new account in my name with XXXX XXXX XXXX as a joint account holder. The details were logged and it was determined that I could not be placed as the account holder as I am not an American resident. the branch suggested that XXXX XXXX be placed as the main account holder and I would be able to access the account with the account on line login so I could pay utility bills and make the necessary charity donations that my Aunt had instructed. I was given the new account pack with all the paperwork for the account and checking account information. XXXX XXXX also sent me a photo of the debit card so I could make payment with the card. The open balance was {$60000.00}. Over the next few weeks I was able to use the online access for bill payment etc until XXXX XXXX decided to change the passwords and block me off the online banking, subsequently she has now cancelled the debit card and frozen the account. I have no way of knowing how much is in the account but I estimate it is around {$28000.00}. I did manage to pay a few bills and make a donation to the XXXX of {$10000.00} before she froze the account. During this period I was constantly in touch with XXXX XXXX via phone as I was told that he could not email out of the USA, he advised me that he would contact XXXX XXXX but she refused to undo what she had done to the account. The bank manger advised me after a few emails that there is nothing they can do as she is the account holder. I found the bank manager to be very unhelpful

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 2026-07-15 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting this complaint because I have made repeated good-faith efforts to resolve my auto loan account with Ally Financial, but I have not received a response to my settlement proposal or a meaningful resolution. Since purchasing the vehicle in XXXX, I have experienced ongoing mechanical problems that have substantially affected its reliability and use. The vehicle has required multiple repairs over time for serious issues, including engine-related malfunctions. The vehicle is currently back in the repair shop due to another engine malfunction, causing additional hardship. As these problems continued, I experienced financial hardship that affected my ability to remain current on my loan payments. I also disputed the accuracy and fairness of the credit reporting associated with this account because I believe the payment history has been reported inconsistently over time. Despite previous disputes, the account continues to report significant delinquency, and I disagree with the outcome of the investigations. On XX/XX/XXXX, I sent Ally Financial a written settlement proposal offering {$5600.00} to resolve the account, with authority to negotiate up to {$11000.00} if necessary. I requested that Ally : Accept the negotiated settlement as full satisfaction of the account ; Waive any remaining deficiency balance ; Update the account to reflect that it has been resolved ; Consider removing the derogatory payment history or deleting the tradeline as part of the negotiated settlement ; and Provide written confirmation of any agreement before payment. After receiving no response, I sent a follow-up letter requesting a status update and asking Ally to respond to my proposal or provide a counteroffer. As of today, I have not received a response. I am requesting that Ally Financial review my settlement proposal, communicate with me in good faith regarding a resolution, and provide a written response. I also request that Ally review the accuracy of its credit reporting and consider appropriate reporting relief as part of any negotiated settlement.

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 2026-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
XXXX has the loan and stated the got it from ECMC collections in Minnesota this loan was paid back in XXXX I have never heard from ECMC until today thinking I was discussing a completely different loan for a university and she mentioned school from XXXX that loan was paid the amount she said I owed was {$5700.00} that's wrong that's with their fees and holding the loan XXXX said ECMC collections in Minnesota gave them the loan they purchased a loan that was paid for. I can not work without a license. At renewal my license would have gotten flagged by the state of Illinois for no payment and not issued. I have had a a license XXXX XXXX XXXX XXXXt started with this ECMC COMPANY they lied and committed fraud and a scam. For me to pay twice on a loan. XXXX XXXX works in collections and he has been stalking me his family has a collections company, XXXX illegally pulled my credit report as an employee at XXXX XXXX stalking the manager knew exactly who I was speaking of I had no idea he was using my social security number to stalk me. I say stalking because he did nothing with the information obtained. I happen to be checking my credit for something out of the blue and saw XXXX. I called and asked what or who they were ; the manager told me trucking 8 have no business with the company at all. I asked him did he have any XXXX employees he said yes I asked him were they male he said I have a XXXX XXXX. I told him I broke up with him and this is why I left and not doing weird things. When I'm available for the information. He now works in XXXX for the XXXXXXXX XXXX XXXX and someone has been stalking and harassing me the last 8yrs and he is involved with a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a few other people playing in my credit reports. Abusing work systems to look up people and play games or wipe out paid loans. I don't owe this company. I want to sue.

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