vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made every reasonable effort to resolve my delinquent Citibank credit card account ( ending in XXXX ) in good faith. On XX/XX/year>, Citibank emailed me a written settlement offer allowing me to satisfy the outstanding balance of {$11000.00} for a lump-sum payment of {$4500.00}. At that time, I was unable to accept the offer because my wife of over XXXX years, who is XXXX XXXX XXXX, had recently lost her job. Her unexpected unemployment created a significant financial hardship for our household. With the recent financial assistance of extended family, I am now able to pay the exact settlement amount that Citibank previously offered. When I contacted Citibank to accept that offer, I was directed to its collection law firm, XXXX XXXX XXXX XXXX XXXX. I subsequently contacted XXXX XXXX XXXX, XXXX, and was informed that they would only consider a settlement exceeding {$9000.00}, despite my willingness to pay the amount previously offered by Citibank. On XX/XX/year>, I sent XXXX XXXX XXXX, XXXX a certified letter containing my hardship explanation, my formal acceptance of Citi Bank 's {$4500.00} settlement offer, and a copy of Citibank 's original settlement email as supporting documentation. On XX/XX/year>, at approximately XXXX a.m., a representative from XXXX XXXX XXXX XXXX XXXX called to confirm receipt of my certified letter. During that conversation, she informed me that my offer to pay {$4500.00} was rejected. I asked whether my settlement offer had been communicated to Citibank for review or authorization, but the representative declined to answer my question. I remain willing and able to pay the {$4500.00} settlement amount originally offered by Citibank. My only objective has been to resolve this matter fairly and in accordance with the written settlement offer I previously received from Citibank. Based on my interactions, I am concerned that my offer was not presented to Citibank for consideration. I respectfully request that Citibank review this matter directly and determine whether its previously extended settlement offer will be honored.

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes, my bank is Wells Fargo and I have been charged multiple occasions on transactions that have been posted days before and I get charged again 4 days later for the transaction that occurred XXXX days ago this has been an ongoing issue that I have noticed since last year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2026-07-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found these items in my deceased wife 's personal effects. I have filed against 2 banks that received funds from failed banks. These banks ( Wells Fargo and XXXX XXXX XXXX ) retained the banking responsibility from failed Banks : XXXX XXXX and XXXX XXXX. Both Wells Fargo and XXXX XXXX XXXX will not honor their loses : XXXX XXXX and XXXX XXXX. Both banks did not provide the state with the funds, as required, and not notifying us. I would be glad to speak to your representative. I have contacted federal and local jurisdictions. All were not helpful, including the banks. Only solution is a civil action, but no law firms will take the cases. Value over {$35000.00}, with owed interest over {$300000.00}, dating back from 1989. Please help.This is a fraud regarding Wells Fargo and XXXX XXXX XXXXXXXX. I have all the bank books and certificates of deposit. Wells Fargo had no records XXXX XXXX XXXXXXXX had their issued new account numbers. I have contacted FDIC, Controller of the Currency. Both stated that these funds should have been sent to the California " Unclaimed Property " Division. There is no record in the state data base. 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 explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had two accounts with usaa and have been with them for 19 years.In account ending in XXXX i had some disputes going on as well as everyday transactions. I completed a purchase directly from XXXX for some merchandise and was later notified that my debit card was changed by the fraud department and was getting issued a new card. While i waited i went on the app to activate it. After a week went by and not getting it i checked on the app to a notice that my accounts were restricted and an informal letter stating that USAA is reserving the right to not do business with me anymore and have moved to close my accounts. All of this happened on XX/XX/year>. I am a single mother of four who has to pay all bills by myself, electric needs to be paid, housing and groceries need to be bought. Not to mention I have school clothes and supplies to pay for before they start school on XX/XX/year>. One account is overdrawn and will have miney credited on the XXXXXXXX XXXX XXXX. I asked USAA to manually close my other account that has a positive balance and allow me to wire that money out to pay my necessary bills or overnight me a check and they tell me I have to wait 60 days. The account ai am wanting the funds from has no disputes or suspicious transactions from so why hold the money. I can not wait for money that is already mine nor can i borrow money.

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 2026-07-16 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: U.S. BANCORP
State: AZ

Complaint narrative:
Im literally trying to pay the payment on my modification on the date I said and they told me I had till the XXXX when she called I got paid just now and cant pay it is the XXXX!!!!! I am trying to pay the payment for my last trial payment I called no answer I told her I could pay it ubril the XXXX here we are again.

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 2026-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
Requested that XXXX open an investigation. A sales person opened a XXXX credit card and maxed it out in my name without my permission. He harassed me and hovered over me and misrepresented information on a tablet. He asked me to complete a survey ( not a contract ) and when I texted Him about XXXX being charged, he told me that I did not receive XXXX worth of equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, committed insurance fraud and coerced me into opening a CareCredit loan of {$3000.00} using high-pressure tactics. I have since filed a formal complaint regarding these crimes with the XXXX XXXX XXXX XXXX. I have also made consistent out-of-pocket payments totaling {$2800.00} over the three years. Synchrony Bank resolved the fraud dispute in my favor, reversing the base {$3000.00} charge. However, a Synchrony phone representative informed me today XX/XX/XXXX that the only refund check to be issued is for {$2000.00}, leaving me shortchanged by {$790.00}. In response to my previous CFPB complaint ( Case XXXX ), Senior Specialist XXXX XXXX responded that he had " accurately reported '' the account history. This letter failed to address why Synchrony Bank illegally retained {$790.00} of my cash payments by refusing to reverse the standard monthly interest charges and late fees that grew entirely from the fraudulent balance. XXXX XXXX failed to perform his job accurately ; he did not conduct a thorough audit of the account, ignored the clear math discrepancy, and issued a dismissive response that failed to rectify the bank 's illegal retention of my own money. Since the original {$3000.00} loan was fraudulent, every trailing interest charge and penalty fee generated by that balance is invalid ab initio. By keeping these funds, Synchrony Bank, along with Senior Specialist XXXX XXXX, has effectively forced me to pay interest and fees on a fraudulent purchase. The final response in the previous CFPB case was insufficient and failed to reconcile the actual total of my payments against the amount refunded. I have attached a " Master Payment Summary '' ( XXXX ) which provides a verified, chronological ledger of my total out-of-pocket cash payments, confirming the {$2800.00} total and the {$790.00} discrepancy I am disputing. Also attached are all official CareCredit Statements from XXXX to XXXX, the response letter from XXXX XXXX to my previous CFPB case, the dispute resolution letter from Synchrony Bank, and a screenshot of my CareCredit account showing the negative balance of only {$2000.00} that I have been shortchanged.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am formally disputing the collection account being reported by * * CREDIT COLLECTION SERV * * regarding an alleged debt originally owed to * * XXXX * * in the amount of * * {$980.00} * *. * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. * *, and the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, I request that Credit Collection Services conduct a reasonable investigation and provide competent evidence that this debt is valid, accurate, and legally collectible. Specifically, I request the following : * A copy of the original signed agreement or contract creating the alleged obligation. * Documentation establishing the complete payment history and how the balance of * * {$980.00} * * was calculated. * Documentation demonstrating that Credit Collection Services has the legal authority to collect this debt, including proof of assignment or transfer from XXXX. * The date of first delinquency. * Evidence that the information being furnished to the consumer reporting agencies is complete and accurate. Under * * 15 U.S.C. 1681s-2 ( b ) * * of the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation after receiving notice of a dispute and may not continue reporting information that can not be verified. Additionally, under * * 15 U.S.C. 1692e and 1692f * * of the Fair Debt Collection Practices Act, a debt collector may not use false, deceptive, misleading, unfair, or unconscionable means to collect or report a debt. If Credit Collection Serv can not produce sufficient documentation validating the debt and verifying the accuracy of the information being reported, I request that the account be permanently deleted from all consumer reporting agencies and that written confirmation of the deletion be provided. I also request that the Consumer Financial Protection Bureau ensure that Credit Collection Services complies with its obligations under the FDCPA and FCRA by conducting a complete investigation and correcting or deleting any information that can not be substantiated. This correspondence is not an acknowledgment of liability for the alleged debt and should not be construed as a promise or agreement to pay. It is a formal dispute and request for investigation under applicable federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because I have been unable to resolve inaccurate information being reported about me through XXXX. This reporting has prevented me from opening a bank account and has caused significant financial hardship. I have disputed this information directly with XXXX and/or the reporting financial institution, but the inaccurate information remains on my consumer file. I respectfully request that the CFPB investigate this matter and require XXXX and the reporting financial institution to comply with all applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). If the reported information can not be verified through a reasonable investigation, or if it is inaccurate, incomplete, or the result of identity theft, I request that it be permanently deleted from my XXXX consumer report. I also request that XXXX provide : The name of the financial institution that reported the information. The documents relied upon to verify the information. The method of verification used during the investigation. A corrected consumer report if the information is deleted or modified. Because this inaccurate reporting has prevented me from obtaining basic banking services, I ask that this complaint be handled as quickly as possible. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
U.S. Bank is violating credit reporting requirements by intentionally reporting my account as late for XXXX, XXXX, and XXXX. Prior to XXXX, I was approved for and entered into an official post-forbearance Repayment Plan Agreement. I have fully complied with the terms and made every payment on time. Under credit reporting guidelines and federal rules, an account performing successfully under an approved post-forbearance repayment plan must be reported as 'Current. ' U.S. Bank is conflating my overall contract balance with my active payment performance status under our signed Repayment Plan Agreement. Per federal guidelines and XXXX XXXX XXXX standards, an account subject to an active, approved post-forbearance repayment plan must be reported as current for the months the consumer complies with the plan. I have provided absolute proof of on-time payments for XXXX, XXXX, and XXXX under this plan.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was checking my credit report and noticed there was a truist credit card open in my name without my consent

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, USAA froze my entire checking account after legitimate moving expenses were charged while relocating from XXXX to XXXX XXXX. I immediately confirmed that the transactions were authorized and have repeatedly spoken with the XXXX Department. I was initially told the investigation would take approximately seven days. It has now been nearly three weeks, and USAA can no longer provide any estimated completion date or explain why the account remains frozen. My employer continues depositing my paycheck into the frozen account, and my VA disability benefits are also being deposited there. I have no access to my own funds. As a result, I am unable to pay my rent, purchase necessities, or meet my financial obligations. I have repeatedly requested an explanation, a timeline, or a hardship accommodation to allow payment of my rent, but those requests have been denied. I am requesting that USAA either promptly complete its investigation and restore access to my account or provide a clear written explanation for the continued freeze, including what information is preventing resolution and when I can expect a 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
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I advised ONITY Mortgage for a new escrow analysis due to a significant decrease in my homeowners insurance premium in XXXX. The previous escrow analysis had been done using a previous higher homeowners insurance premium. I was asked to provide my new premium declaration page, which I did via a representative on the phone. I have sent several messages to ONITY via my online customer portal and emails. I have been advised that a new analysis would be done, but after 2 months, it has not been done. Meanwhile, my mortgage payment was increased by almost {$300.00} due to the inaccurate escrow analysis. I can not afford that increase and need a correct analysis done before my loan becomes further behind.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISE CREDIT SERVI is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
CFPB Complaint I am submitting this complaint because I am the victim of identity theft. My personal information was exposed in a data breach, and fraudulent account ( s ) were opened using my identity without my knowledge or authorization. I dispute these account ( s ) because I did not open them, authorize them, or benefit from them in any way. I have notified the credit bureaus and requested an investigation, but the inaccurate information remains on my credit report and continues to harm my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request that the company conduct a reasonable investigation, provide verification that the account belongs to me, and remove any fraudulent or unverifiable information from my credit reports. If the company can not provide evidence that I authorized the account, it should be deleted immediately. I also request copies of all documents related to the account, including the original application, any signatures, IP address records, device information, payment history, and any other records used to verify my identity. I am requesting that the CFPB assist in ensuring this matter is resolved promptly and that all fraudulent information is removed from my credit reports.

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