vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
Wells fargo dealer services. i began requesting this XXXX. i have reached out to them multiple times they claim to have mailed, it never arrived. * refuse * to send via any method with tracking. after numerous calls, i finally received an email with a document link for a copy of this. in XXXX and white. this does not suffice for the XXXX as they are well aware. i requested they fax it to the XXXX, and sort this directly with them. refused. i requested they send me another copy. there is a request in their system to fax * me * a copy, and again, no follow up mailing of the original. faxed copies apparently take XXXX business days to accomodate. mailing they claim XXXX, but frankly i have no evidence anything was ever mailed, and they are either through incompetence or malice refusing to send me anything thusfar. meanwhile my car is unable to be sold. i have lost * both * buyers over this. Attached you will find the black and white copy i was sent via email. to date the only thing i have from them, and useless to the dmv, as they well know.

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 2026-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Im writing to file a complaint against IC System Inc for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reversed a temporary credit of {$140.00} for a transaction at XXXX Car Rental in XXXX, CT on XX/XX/XXXX. The merchant committed fraud by deception. The counter clerk ran my debit card under the false pretense of a 'soft credit check ' and handed me keys without securing my signature on a legal contract, providing a digital copy, or taking my email address. The clerk admitted on an internal recorded line on XX/XX/XXXX that she broke corporate rules. Furthermore, the local employee is now personally calling my cell phone to harass and intimidate me over a XXXX review of the incident. Bank of America denied my claim without auditing the missing contract signature. I demand my funds be restored.

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 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I went to Citibank the bank that I bank with because a couple of my accounts had been closed without any notification or my permission. When I went to the bank I spoke with manager/supervisor and they were extremely uncooperative and not willing to share any information about my accounts even after I had verified myself.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I requested a quote for car insurance from XXXX. I received a quote. Someone called me and I told them I was not going forward with their company I had purchased from another company subsequently I was charged for the premium and it was reported to the credit agencies, I never signed any documents. I would like any proof of documents given to me to view because I did not go forward with this quote. This claim is now with the collection agency.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Im currently homeless and this is making it hard for me to find somewhere to live

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am filing this formal complaint against Ally Financial for predatory lending, deceptive servicing practices, and failure to apply payments. Since XX/XX/XXXX, I have made XXXX payments totaling {$2400.00} ( Transaction dates : XX/XX/XXXX {$300.00}, XXXXXX/XX/XXXX {$310.00}, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$610.00} ). All are marked Completed in my records, yet my loan principal balance has not decreased by a single cent. When I contacted Ally Financial, their representative stated that 100 % of my payments were diverted to fees associated with the dealership rather than the loan principal. Ally refused to provide a written line-by-line accounting of these fees or a transaction history, instead instructing me to contact the dealership for an explanation of a loan that Ally is currently servicing. Furthermore, the original transaction involved several predatory finesse tactics : 1. Steering/Approval Fraud : The dealer claimed I could only be approved for a {$20000.00} vehicle and was unapprovable for a {$10000.00} vehicle, which is a common predatory tactic to maximize dealer back-end profit. 2. Payment Packing : The dealer forced unwanted insurance products into the contract, claiming they were required for approval, which is an illegal tying arrangement. 3. Income Inflation : No proof of income or employment was requested, leading me to believe the dealer may have falsified my credit application to secure an automated approval from Ally. I demand a full, written transaction history from Ally Financial, a copy of the original credit application submitted by the dealer, and an immediate correction to my principal balance to reflect the {$2400.00} paid.

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 — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank and XXXX XXXX XXXX is taking money out of my account without and explanation as to why. I stopped my services with XXXX due to a NSD fee of {$18.00} on XX/XX/XXXX in which there was no explanation provided for the charge. I stopped services with them XXXX weeks ago. However on XX/XX/XXXX I was charged {$65.00} and {$6.00}. No one is able to give me an explanation.

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed my credit limit on my card was reduced by over XXXX dollars. I never missed a payment in all the years I had this card never had any derogatory marks and they simply XXXX decided to lower it and claim its based off from a review of an XXXX report they got. I checked XXXX and theres nothing wrong on my credit report and they wont give me specific reason they saw on there that led them to randomly lowering 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have been a Wells Fargo checking account customer since XXXX. I am an XXXX XXXX and am currently outside the United States until XX/XX/XXXX. I turned my debit card off through the Wells Fargo mobile app, with the understanding that this would prevent charges from posting to my account while I was XXXX. Despite this, in XX/XX/XXXX, Wells Fargo charged my account five separate overdraft fees within the same month, totaling over {$180.00}. As soon as I became aware of the fees, I transferred money into the account and brought the balance current. On [ XX/XX/XXXX and XX/XX/XXXX, I contacted Wells Fargo customer service and requested that at least some of the fees be waived, given the circumstances, my inability to visit a branch while XXXX, and my multi-year history with the bank. The representative refused to waive any of the fees and offered no alternative assistance or resolution. I believe charging five overdraft fees in a single month under these circumstances is excessive, and the bank made no effort to work with me toward a reasonable resolution despite my prompt action to restore the 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
Consumer complaint received 2026-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX d/b/a Americas Car-Mart repossessed my XXXX XXXX XXXX XXXX XXXX XXXX ) from my private driveway in XXXX, Texas. Before that repossession I received no Notice of Right to Cure, no Notice of Intent to Accelerate, and no pre-disposition notice, by mail, email, phone, or text. On XX/XX/XXXX, two weeks before the repossession, I emailed Car-Mart proactively, in good faith, to work out the balance and communicate that I had made several partial payments to decrease the outstanding balance. I gave them a timeline of when I would be making another payment as well and when Id have the balance caught up. They did not respond and repossessed without warning. On XX/XX/XXXX 207 days before the repossession, I sent Car-Mart a written demand for full accounting and device suspension. Their Texas General Manager XXXX XXXX ( XXXX ) replied on XX/XX/XXXX, refused my demand, and stated my requests had no merit. That email is in evidence. Same household, same creditor, different treatment : a close family member, XXXX XXXX XXXX XXXX has a separate Car-Mart account ( # XXXX ) at the same address. On XX/XX/XXXX, Car-Mart sent him a written Letter to Debtor to Cure Waiver of Strict Compliance and Notice of Intent to Accelerate. Car-Mart therefore knows our address and knows how to issue a cure letter, they did not issue one to me before repossessing in mail or electronic format. That same cure letter was delivered to this family member by unencrypted email containing his full account number in clear text, and the letters certificate-of-service block falsely states it was sent by first class mail. I am asking CFPB to examine : Texas Business & Commerce Code 9.611, 9.613, 9.614 ( Notice of Disposition, non-waivable under 9.602 ) ; 9.609 ( no breach of the peace ) ; 9.625 ( statutory damages ) ; Tex. Bus. & Com. Code 521.052 ( Texas identity-protection duty ) ; FTC Safeguards Rule, 16 C.F.R. 314.4 ( c ) ( 3 ) ( encryption-in-transit ) ; Fair Debt Collection Practices Act, 15 U.S.C. 1692c, 1692g ; and the Texas waiver-of-strict-compliance doctrine ( XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX ) and progeny ). My retail installment contract independently promises that the creditor will send me notice at least 10 days before you sell it, and the PassTime Disclosure 4 promises notice of the right to cure if required by law. Neither was sent. Parallel complaints have been filed with the Texas Office of Consumer Credit Commissioner, the Texas Office of the Attorney General - Consumer Protection Division, and the Texas Department of Motor Vehicles. A signed preservation, dispute, and cease-disposition letter was served on Car-Marts corporate legal department and the originating dealer on XX/XX/XXXX.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a XXXX Loan from Wells Fargo. HUD recommended me a contractor which I can no longer reach. HUD estimated the cost of work needed to complete the job. When it was time to apply for the Certificate of Occupancy HUD informed me that they forgot to budget {$30000.00} for the sprinkler pump. Everyone signed off on the job without meeting their obligation to provide a legal rentable property. In XXXX you do not have to pay rent if your landlord doesn't have a Certificate of Occupancy. This has caused major problems collecting recent from tenants. I have been unable to contact the original contractor and new contractors are not willing to sign off with out completely redoing the renovation work.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I made a payment of XXXX $ from my XXXX account to my XXXX XXXX Account. On XXXX XX/XX/year>. The money has never XXXX this day, reached the XXXX XXXX Bank. I asked Truist bank to reverse the payment as my funds might have been stolen or paid into the wrong account. I asked Truist to trace the funds and they are unable to trace it or give me any form of tracking information. Suddenly on XXXX XXXX, my business account was magically closed by the bank and they can not tell me why. Ive asked them to reverse the payment, they have not done so. Ive asked for tracking documents, they have not given any. I asked where my money has gone, they cant tell me and says they dont have tracking abilities? My XXXX is missing.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I pay off my debt from this company last year and it still shows paid closed on my credit report and its negatively impacting my credit report still

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 — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a letter from you, XXXX XXXX XXXX, regarding a debt collection in the amount of {$820.00} for service performed by XXXX XXXX XXXX. I am disputing the debt because a ) I have never received any notification of any outstanding balance of XXXX XXXX XXXX via letters, phone messages, emails or text ; b ) after some effort I found that the debt amount ( {$820.00} ) significantly exceeded the actual bill was only {$160.00}. XXXX indicated they do not add any amount onto the original debt but IC Systems is apparently the middleman between XXXX XXXX XXXX ( the client ) and XXXX. I then contacted IC Systems and got connected to XXXX who would not provide any information to me until I signed up to receive a free gift but he wanted me to provide a credit card account to him. Obviously, I was not going to give him my credit card information. There is no reason for him to need this information. After questioning why he needed this, he stood fast and would not let me speak to anyone regarding the issues and, in fact, was abrasive. At this point, I felt this was a scam and hung up. If this is not a scam, then they are using deceptive tactics to gain your personal information. The number XXXX provided to me for IC Systems is ( 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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX did not deliver proper internet service and promised price Also refused to accept equipment and termanate contract at local authorized XXXX dealer only to extend while waiting for a shipping label

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: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC

Complaint narrative:
I submitted a formal online request on XX/XX/year> to close my checking account last month prior to relocating permanently outside the United States. XXXX XXXX failed to execute my digital closure request, and subsequently allowed maintenance fees to accumulate, creating an unauthorized negative balance of {$1.00}. Customer service is now refusing to close the account unless I provide a physically notarized letter, which is an impossible and costly requirement now that I am living abroad. I demand that the unauthorized fees be waived and the account be finalized as closed backdated to my original submission 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 monetary relief
Consumer complaint received 2026-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Kubota North America Corporation
State: TX

Complaint narrative:
There are XXXX late payments reported on my credit report. I believe these late payments should be removed because they were reported inaccurately ; this account has since been paid in full and closed. I have otherwise maintained a positive payment history with this creditor. I am requesting that the creditor investigate and remove the late payment notation from my credit reports with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I made a transaction on my Bank of America account for XXXX. This transaction was through merchant adidas/confirmed. The account showed the pending transaction which then posted on my account XX/XX/XXXX. I contacted adidas and the order was cancelled so they gave me a refund. I go back in my account XX/XX/XXXX and I see a refund processing on my account. Later that week I check my account and cant find transaction nor can I find refund. I check my bank everyday and notice Im missing that XXXX on my balance. I contacted adidas to make sure refund was still in play and they said it was sent out. Now I contact my bank and they say that no transaction was made for that merchant nor was there a refund. Yet I have proof transaction was made and approved by my bank as I paid with XXXX XXXX and I have proof that merchant send refund.

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 — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TekCollect Inc.
State: NY

Complaint narrative:
Want to fix my credit a lot of these credits are old dispute needed to help pair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation