vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I mailed a check written to XXXX XXXX XXXX XXXX on XX/XX/year>. On XX/XX/year>, I was notified that the check had not received the check. However, the check ( XXXX had already cleared my account. My husband and I went to our local Regions branch on XX/XX/year> and completed the Unauthorized Check Dispute Form. We were told it could take up to 30 days to be settled and our money would be returned. We were told by the branch employee ( s ) that the check was deposited through another persons account via an ATM at XXXX bank. We have followed up, both in person and over the phone, with our local branch and keep getting the run-around. One person told us the wrong form was submitted, another said the form was correct, but someone at the branch had submitted it to the wrong department. Another employee said XXXX has 90 days to dispute back with Regions ( 90 days has also come and gone ). On XX/XX/year>, I visited the local branch again and was given a sticky note with ticket number XXXX, case number XXXX, and reference number XXXX. I was told that I might have better luck calling XXXX myself. I called XXXX and they directed me to someone named XXXX XXXX XXXX XXXX XXXX XXXX ). This is the very FIRST person who made me feel like they cared about what was happening ( and this is not even my bank ). He gave me an escalation number of XXXX and told me I should hear from someone else at XXXX within XXXX days. I received a call and the lady said there was nothing she could do to help me and this had to be handled via the electronic portal between Regions and XXXX. I told her that our bank said theyve been trying to communicate with them and keep being told they have 90 days to reconcile. Weve continued to follow up with our local branch several times during the month of XXXX and still have no resolution. We are still out the {$1000.00} that was stolen in early XXXX. My understanding that Regions, under UCC law and Alabama law, should have never debited my account on a forged check. And given that they did, they have to return the funds within 30 days of notice. If this is not resolved, our next step is to engage an attorney to recoup the {$1000.00}.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
XXXX XXXX kept mailing bills to someone who does not and never has lived here. I emailed them and told them this. Now they are having court papers left on my door, knowing the person does not live here. It has turned into harassment. They need to stop immediately. XXXX XXXX does NOT reside here and NEVER has.

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: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX Returned Payment Fee\n\nTo Whom It May Concern,\n\nI am submitting a formal dispute regarding a $41 returned payment fee that was charged to my Fidelity Rewards Visa Signature Card account issued by XXXX XXXX XXXX\n\nAccording to my account records:\n\nAutopayment Date: XXXX XXXXFee Assessed: XXXX XXXXBank Confirmation: My bank shows no returned payment, no failed transaction, and no notification of any returned item.\n\nPayment Status: The payment posted and cleared successfully on XXXX XXXX as shown in my banks transaction history.\n\nDespite the payment clearing on XXXX XXXX XXXX XXXX XXXX assessed a XXXX returned payment fee on XXXX XXXX This fee is improper because:\nhe payment was never returned by my bank.\n\nThe payment cleared successfully on the original autopayment date.\n\nI received no notice from my bank of any returned transaction.\n\nUnder federal billing error protections (Regulation Z), a return fee cannot be charged when the payment was ultimately honored.\n\nI contacted XXXX Cardmember Service to dispute this fee. The representative refused to open a dispute, and the manager ended the call without providing assistance. This prevented me from resolving the issue directly with the issuer.\n\nI am requesting:\n\nA full reversal of the XXXX returned payment fee\nA written explanation of why the fee was assessed\n\nDocumentation showing the alleged returned payment, if XXXX claims one occurred\n\nBecause the payment cleared and my bank confirms no return occurred, I am requesting that this improper fee be removed from my account immediately.\n\nThank you for your attention to this matter. I look forward to a prompt resolution.\n\nSincerely,\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 explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The vehicle has native equity. This car was sold to me without disclosing the known class action lawsuit for the transmission failure. The repairs for the transmission failure exceeds the balance of the loan. I have requested to transfer the loan to a new loan and stay with the same company.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I disputed the whole charge of {$15000.00} for XXXX law offices, only {$13000.00} has been credited, I made a personal call regarding this on XX/XX/year> and also spoke with XXXX of XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, and I was told that additional {$1900.00} will be adddd to the dispute but to no avail. I also spoke with the manger over the phone on XX/XX/year> and she had no clue what is going on, I am very very disappointed. I was told by XXXX from XXXX that it will be expedited and taken care of immediately but to no avail, very dissapointed.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am receiving debt collection text messages from Harris & Harris regarding a XXXX account belonging to someone else. The messages are addressed to XXXX, which is not my name, and I have no responsibility for this debt. My phone number should not be associated with this account, yet I continue to receive collection attempts regarding a debt that is not mine. Receiving collection notices intended for another person has been frustrating and has caused unnecessary stress and concern. I should not have to spend time determining whether these messages are legitimate or repeatedly deal with collection efforts for someone elses account. I am filing this complaint because debt collectors should maintain accurate records and avoid contacting third parties about debts they do not owe.

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Monday XX/XX/XXXX a verified merchant returned credit from XXXX XXXX hit my Wells Fargo debit card account. During the XXXX XXXX batch processing cycle, Wells Fargo removed the funds from my visible balance and placed them in an internal holding queue. XXXX XXXX provided a valid reference number proving the funds settled when I called Wells Fargo on XX/XX/XXXX level 3 supervisor XXXX XXXX explicitly refused to take the reference number to track the funds and falsely claim that Wells Fargo does not issue provisional credits which is a direct violation of my rights under federal regulation E ( 12 CFR subscript 1005.11 ). I demand the immediate location and release of my funds along with a provisional credit. The Reference number from the XXXX XXXX XXXX : XXXX on XX/XX/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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I canceled my policy with USAA to end XX/XX/year>. They informed me the remaining balance was {$98.00}. It perplexed me that remaining balance was more than the monthly payment. I inquired why is it not prorated if Im canceling before the policy is over. They stated the coverage dates I was paying for was XXXX and that I was paying for the month prior. It made no sense to me and I just wanted to be done .I paid {$20.00} toward that balance which brought the balance down to {$70.00} and I requested an extension. Unbeknownst to me, they added a late fee of {$15.00} and another {$3.00} processing fee to this canceled policy. I was not informed they was at a late fee to a canceled policy. The representative told me that there would just be a regular balance and if I ever wanted to come back to the company, I needed to pay off that outstanding balance, which was the {$70.00}. This is a very unfair practice and I feel cheated. I paid the {$98.00} today because I did not want to risk my credit score getting lower as it is in the XXXX. I have attached the screenshot

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 — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I attempted to call and pay off a derogatory mark on my credit report. I looked up the company ( I C System ) and called the number provided on the first link given to me at ( XXXX ). They kept attempting me to give them my FULL Social Security Number and I declined. I then did more research and found a new ( correct ) phone number to call which led me to then resolve my derogatory mark. I told them specifically what happened during prior conversation with the fake company at the number listed above and they told me the number was not associated with them, it was a scam, and that they would never ask for my full Social Security Number. I would like to report this number ( XXXX ) and their website 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 explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo closed my zelle account due to some unknown person sending me funds.

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 — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank charged the savings account I hold after my mother 's passing in her trust. One beneficiary has not taken his funds, so the account must remain open, and there is no reason for activity. They have begun charging a $ XXXX " dormant service charge ''. I called to have the charge removed, letting them know the account is not dormant. Was routed to the wrong dept. where they attempted to fix the issue. They could not and so routed me to customer service. Customer service was able file a form requesting to make the account non-dormant, but could not remove the charge. The portion of my call with that dept. lasted about a half hour. They instructed me that I would have to call back a second time to then again try to get the charge removed. The charge is higher than the interest for that period.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
My personal Google Pay account was hijacked by an unauthorized third party who made fraudulent purchases ( Transaction ID : XXXX ). My bank rightfully protected me by issuing a fraud chargeback. Google Payments is now holding my entire digital wallet hostage and has permanently suspended my profile, explicitly stating they are terminating my access because of these unauthorized charges. They are punishing the victim of identity theft and demanding financial liability for a crime. I request a manual compliance executive review to restore my identity verification and unlock my Google Pay profile.

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 — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am filing this follow-up complaint to escalate the urgent issue of my missing {$5000.00} security deposit and the unauthorized maintenance of my savings account by U.S. Bank . While I have previously filed a complaint regarding the wrongful closure of my account. this current complaint focuses on the banks failure to return my funds and their continued mismanagement of my remaining account. The Core Issues 1. Withholding of {$5000.00} Security Deposit - My account was closed following a banking error ( as detailed in my previous complaint ). Despite the account closure, U.S. Bank has failed to return my {$5000.00} security deposit. - I have contacted customer service four times. The most recent representative admitted that the deposit was never even finalized or submitted by the bank. - The bank is currently holding {$5000.00} of my money without justification, and I have received no timeline or process for its return. 2. Unauthorized Maintenance of Savings Account - Although U.S. Bank closed my primary account, they have kept my related savings account open. - I have not authorized this account to remain open, and it is a direct result of the banks internal errors. I want this account closed immediately. When they were closing it they said they would immediately get my deposit issue. Its still hasnt been issued and they are purposefully dragging their feet on the issue. Lack of Communication and Urgency Despite having a pending complaint with the CFPB, U.S. Bank has failed to : - Respond to my previous inquiry. - Provide any communication regarding the status of my {$5000.00}. - Address the fact that they are still holding a savings account open against my wishes. The banks silence on this matter is unacceptable. They have effectively trapped my funds and refused to provide a clear path to resolution, despite acknowledging that the error originated within their own systems.

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: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
Hi XXXX XXXX is my netspend XXXX has caused me not to work since XX/XX/year> they have been given me rhe runaround I updated my adress before they issue q refund my prepaid card because they closed my acct so I waited until XX/XX/XXXX called asked them where check was they then say oh we sent ut to XXXX XXXX now they wan na reissue a check but I can not work I driver XXXX XXXX and XXXX so I need to pay XXXXmy phone bill they have not even been at all helpful this is cause me too noy wirk. gon na be homeless If i.cant work fir anotheXXXX XXXX XXXX understand if it was my mistake but ny the time they issue me another check send it it will be XXXX month this is noy right I am gon na lose everything family car place too live olz help me Email me at XXXXXXXX XXXX XXXXXXXX XXXX Thx u 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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a {$100.00} prepaid XXXX card as a gift, but the card is declined whenever I attempt to use it. On XX/XX/2026, I called the customer service number listed on the back of the card. The representative asked me to provide information shown on the card, including the card number and barcode. I was then asked in which state the card had been purchased. Because the card was a gift, I do not know where it was purchased. The representative told me they could not assist me without that information and advised me to register the card at XXXX When I attempted to register the card, I received the following error message : Your request can not be completed at this time. Please contact the number on the back of your card. I called customer service again but was once more told that no assistance could be provided unless I identified the state where the card was purchased. I am currently unable to use or register the card, and the XXXX support options provided are directing me back and forth without resolving the issue. Thank you for your assistance.

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: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: CA

Complaint narrative:
My last complaint ID was XXXX - XXXX on XX/XX/year> The debt collector in their response claimed they were attempting to contact someone else in their statement, now I've started receiving texts and calls once again from the same agency which violates my rights for 15 U.S.C. 6802. My info has clearly leaked without my permission and I am sick of getting the constant messages and calls.

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: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a business checking and CD account with Bank of America on XX/XX/XXXX. Bank of America closed XXXX of my checking accounts on XX/XX/XXXX with no legitimate reason after opening a CD account. Bank of America have decided to keep the CD account open and close both my business checking accounts that has no fraudulent activities. I have proof that the bank is using misleading and deceptive ways in enticing people to open CD accounts and closing checking accounts once the bank has received funds for their CD. After moving all my funds from another bank, I have no other ways to access my funds now because of Bank of America deceptive ways. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a Wells Fargo Reflect card online because I wanted to transfer 2 of my other credit card balances to the new card to have a 0 % interest rate for 21 months. An account was approved by Wells Fargo, but they did not give me a credit limit high enough to transfer the balances from other cards. I telephoned Wells Fargo and the female agent whom I spoke to indicated she was checking on the credit limit, but a moment later she returned and said I'd have to wait until my card arrived in approximately 8 days. I indicated to her that if the limit is not being raised, then I'd prefer to go elsewhere to get a 0 % interest rate, and I asked her to close this new account. She said she could not close it at this time, I'd need to wait and call in again after I received the Reflect card in the mail. I said I don't want to wait, I indicated again that I want the Reflect account closed now, and I explained that if it is open, and I apply for a credit card with another company, they are likely to deny the application because I show this new account open. The bank worker repeated what she had told me before, indicating I must wait until the card arrives, and then I can ask for a credit increase. I told her that I thought a push of a button should be able to cancel the new card. I then indicated to her that she should discuss this with her manager, for I am dissatisfied. I further advised her I intend to make a complaint. ( ended call ) Having the Reflect card showing active on my credit, negatively impacts my ability to get approved for a similar card that might have a higher credit limit.

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