vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
Rental Agency : XXXX XXXX XXXX ( Illinois ) Collection Agency : Consumer Collection Management Amount : {$2200.00} for carpet replacement after move out Date Opened per report : XX/XX/XXXX After move out in XX/XX/XXXX, we asked for photos of the carpet before we moved into apartment in XXXX, to verify that damage occured during our tenancy. That information was not provided to us, and the collection was filed without written notice being mailed to us per the Fair Debt Collection Practices Act. We had two voice mails from the rental agency office. We received no mailed documentation. Therefore, we did not know that a collection had been filed nor that we could dispute or pay or negotiate ( if we so chose. ) We did not know that a collection has been filed until it appeared on our credit reports. Furthermore, the apartment complex did not depreciate the replacement cost of the five-year old carpet that was two years old when we moved into the apartment in XXXX. They billed us for 100 % of new carpet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECKredi of Kentucky, LLC
State: CO

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX my XXXX XXXX XXXX XXXX fuel card had its information stolen and used to fraudulently make three transactions totaling {$300.00}. These were done on the opposite side of town, during times where I was at home or asleep. I was celebrating my birthday all day and did not leave my apartment at XXXX XXXX XXXX when the first two fraudulent transactions took place in the XXXX time period, and I was fast asleep for the third transaction that took place at XXXX. Companies involved are XXXX XXXX, XXXX ( the company that manages the XXXX XXXX XXXX ), and CheckRedi. I would also like to add that I have already sent CheckRedi a notice to cease communications in email with an attached police report and after 1 hour they sent me a text harassing me and using deceptive text to make me think I have to reactive my account that I had XXXX deactivate because of the fraud. I also had to have my bank shut my previous checkings and savings accounts due to the possibility of the perpetrator having access to my account number and routing number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was notified that my long-standing business checking account would incur $ XXXX monthly fee fees due to a new monthly minimum threshold. I went to my local branch to close the account but was told that no representatives were available. The banker submitted a request to have someone call me to assist with closing my account. They never did so. I went to the branch again, with the same result, they had no bankers available to help me. They told me to call the number on my statement. I called and spent 43 minutes on the phone trying to get through to someone who could help, who eventually would only refund part of the fees that were charged to me. She transferred my call to another department without my knowledge because she was worried I would complain about her. She did not have the tools provided to her to help me with this simple {$15.00} refund of my own money. After the transfer someone with a very thick accent answered, and within a few minutes, hung up on me. I was being polite and would be very happy to have my phone calls reviewed. I feel that Wells Fargo has been very greedy and deceptive, their customer service has been very poor, and I simply want the {$15.00} that was taken from me and thats all Im asking. I feel they have wasted several XXXX dollars of my time and added considerable stress to my life over this. I think it is probably worth looking into their practices with account closure, I had a very very difficult time with this. I really dont care about {$15.00}, I simply want others to be aware of their practices and lack of support for customers. And I think they are ripping their customers off and should be held accountable. Such a small amount of money. Such a shame that no one could help me at my local branch or on the phone. And its a shame that it took me so long on the phone due to their miserable menu system. Its incredibly stressful not to be able to get to the right person and for that person not to be able to adequately help after that.

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 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate, unlawful credit reporting and a failure to validate/correct consumer data under the FCRA. In XX/XX/XXXX, this account was placed on my credit file without providing proper notice by mail as required under the California Consumer Credit Reporting Agencies Act ( CFRA ), as I did not receive any written notification prior to this item appearing on my credit report, which is a violation of my rights under California law. In XX/XX/XXXX, I settled my outstanding utility balance and paid the vendor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX directly in full. The balance on this account was successfully brought to {$0.00}. In XX/XX/XXXX, despite the debt having been fully satisfied months prior, the collection agency actively renewed, updated, or verified this account as an open, unpaid collection trade line on my XXXX credit report. I bypassed the collector and paid the original creditor, XXXX, directly to satisfy the debt in XX/XX/XXXX. I have a definitive receipt/bank record proving this direct vendor payment. I have disputed the accuracy of this reporting because a debt paid to an original creditor can not be legally re-reported or renewed as an active collection balance. The collection agency has inaccurately represented the legal status and amount of the debt by renewing the trade line on my credit bureau files in XX/XX/XXXX. By reporting a satisfied debt as a fresh, active collection, the company is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding false representation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX, I have received an email from USAA marketing stating the following : Earn {$300.00} in 3 steps 1. Apply for a new USAA Performance First Savings account between XX/XX/XXXX and XX/XX/XXXX before XXXXXXXX XXXX Central Time. 2. Deposit at least {$15000.00} of new money within the first 30 days of your account open date. 3. Maintain a {$15000.00} daily ledger balance in the account for 90 additional days from the XXXX day after account opening. I opened my account on XXXX and completed fund transfer from the XXXX XXXX XXXX XXXX on XXXX. After 120 days later ( XXXX ), no {$300.00} deposit was given and as of today ( XXXX ), still nothing. I inquired about this matter multiple times since XXXX, USAA only responded that they are investigating and " escalating '' the issue. However, every time I called, I had to re-explain the situations again and again and wasting my time on a call to wait for them to " re-investigate ''. At the end, there is no update, but only promising that " this will be resolved by next week, so please call us back '' or " I will call you when I get more information '', and never call back.

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 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> TO : Financial Protection Bureau ( CFPB Protection Bureau ) CC : XXXX XXXX, XXXX and XXXX, Wells Fargo & Company XXXX XXXX, Wells Fargo Advisors California Attorney General XXXX XXXX XXXX Re : Deceptive Marketing Practices and Failure to Honor Advertised {$2500.00} Promotional Bonus Dear Sir or Madam, I am writing to formally complain about Wells Fargo 's deceptive marketing practices and failure to honor a publicly advertised {$2500.00} cash bonus offer, despite my complete compliance with every requirement communicated to me. I have attached the contents of the initial email at the end of this letter. This matter has consumed months of my time, involved multiple complaints, numerous telephone calls, and conflicting explanations from Wells Fargo representatives. With every call to Wells Fargo, asked them to provide and email address to prove the contents of the original email. Each time, I was told that this is not possible, and I was requested to read the complete email to them. With each call, Wells Fargo also told me that the conversations were being recorded, but each representative I spoke with stated they did not have access to prior conversations. Despite fully satisfying the deposit requirements and acting in reliance on Wells Fargo 's written advertisement, my claim has twice been denied based on requirements that were never disclosed in the original promotional email.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my US bank account online because they were running a a promotion on if you opened a checking account you would get a {$400.00} bonus as long as you received a direct deposit to your account over {$1000.00}. I opened the account in 2023 and the terms stated after 90 days I would receive my bonus and it never came. I went into the XXXX XXXX branch in XXXX XXXX CA they didnt help and tried to get me to open a credit card instead, and told me to call into customer service which I did and I was on the phone for over 2 hours and the women on the phone states Your bonus wasnt given because the system didnt know what XXXX motors was ? I told her XXXX was my employer and she said she could not issue the {$400.00} bonus because the system didnt know what XXXX XXXX was and was no help. Its been over 3 years and I have not received my bonus and continuously am charged {$12.00} maintenance fee monthly and just want my bonus as promised when I opened my account. Its not my fault their system has issues.

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 2026-06-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a {$350.00} refund from The North Face on my PayPal Credit account ( issued by Synchrony Bank ). The refund appeared in my transaction history but was never properly applied to my promotional balance. After multiple phone calls, the company acknowledged the error. On XX/XX/XXXX, instead of correcting it, they posted XXXX entries : a {$350.00} charge labeled " Miscellaneous Adjustment XXXX GA, '' and XXXX offsetting credits of - {$230.00} and- {$110.00}, netting to {$0.00}. Nothing was fixed. I was told to wait a couple of billing cycles. XXXX months later, on XX/XX/XXXX, they repeated the exact same pattern : a + {$290.00} charge labeled " Miscellaneous Adjustment XXXX GA '' and a - {$290.00} credit, again netting {$0.00}. As a direct result of my balance never being properly corrected, my promotional deferred interest period expired with an outstanding balance, and I was charged {$33.00} in interest on the XX/XX/XXXX statement money I never would have owed if the original error had been fixed. I have all statements from XX/XX/XXXX through XX/XX/XXXX documenting every transaction.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Macy 's american express card ( issued by Citi bank ) in XX/XX/year>. However I noted that my last name was spelled incorrectly ( XXXX as opposed to XXXX ). I contacted a Macy 's store associate, asking them to correct my last name. However, they ran another hard inquiry on my credit and opened another account ( without fully informing me that's what they were doing ). I reached out to the card issuer and asked for them to correct this on my credit report, since it is disqualifying me from getting another credit card. However, the card issuer said they could not do anything.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> XXXX separate transactions, totaling {$270.00}. XXXX were deducted from my OnePay debit card ( issued by Synchrony Bank ). The purchases were all made at XXXX XXXX ( which I do not have an account for ). When I saw the charges were pending, I contacted OnePay to let me know I did not make these purchases. They informed me they could not do anything until the charges switched from pending to completed. A few days later, when the charges were complete, I reached out to OnePay again. They walked me through how to file a dispute, took the information and said I'd have a response shortly. A few days later they send me a decision via email that they were not overturning their decision and determined " no error occurred. '' They said if I wanted, I could provide additional information & appeal. I went through the appeal process twice & even included a copy of a local police report. I also filed a complaint with the Better Business Bureau. To date, OnePay is stating that after reviewing my account they determined the disputed activity was completed by an authorized user of the account. I don't doubt this, but what I explained to them several times was that I was attempting to purchase something for my son on XX/XX/year> at a website called fugguler.com I was trying to use my OnePay card for the transaction, but the website kept freezing so I figured we'd try again later. To the best of my knowledge, it was during that time that my card information was stolen and why the charges are showing they were completed by an authorized user. I even checked my XXXX XXXX account to make sure no purchases were made without my knowledge & they were not, so there is no way I can even try to find out who/where the charges were made from. What is most upsetting is I work a second job & my pay is uploaded to my OnePay debit account to use for household extras. At the time my information was stolen, I had less than {$300.00} in the account & out of that, {$270.00} of it was used for those fraudulent transactions. If I had thousands of dollars in that account, there is a good chance it all would have been entirely drained, which is unacceptable. Again, this wasn't a matter of me placing an order through a company that said I purchased something & never sent it. I did not make ANY or attempt to make any transactions at XXXX XXXX, where all 4 of these transactions occurred.

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 2026-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I have maintained my mortgage with Freedom Mortgage Corporation since XX/XX/XXXX, with a completely flawless, multi-year on-time payment history. The automatic payment information on file remained completely untouched for over 60 months, processing successfully every single month.Recently, my checking bank updated its electronic ACH security protocols. This caused a long-standing transposed digit in the original XXXX setup to suddenly reject the payment without my knowledge. I had more than sufficient funds to cover the transfer and have attached documentation to prove sufficient funds .The moment I discovered the bank 's silent electronic rejection, I immediately corrected the account digits and paid the balance in full. The attached screenshots from XX/XX/XXXX, to the present prove that my account was perfectly current leading up to this technical glitch, and that it was brought current immediately upon discovery.Freedom Mortgage is refusing to account for this sudden bank system anomaly and is inaccurately reporting a single late payment. This is severely damaging my credit profile despite over XXXX years of perfect compliance. I request an immediate Universal Data Link ( UDL ) correction to delete this late remark from 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 explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Business Processing Solutions, LLC
State: VA

Complaint narrative:
I am an XXXX XXXX servicemember, currently stationed in VA, During our overseas assignment in XXXX, my spouse underwent a medical procedure that we initially paid for out of pocket and later received reimbursement for through XXXX. In XX/XX/XXXX, we were contacted by Pioneer, a debt collection agency working on behalf of the Department of Treasury, claiming we owed money related to a XXXX overpayment. The initial call appeared suspicious because the caller refused to explain the purpose of the call without first requesting personal identifying information. We later confirmed Pioneer was legitimate and learned this involved an alleged XXXX overpayment from XXXX. Compounding this lack of due process, I have been provided with little to no clear information, alongside highly contradictory statements, since discovering this issue. This administrative confusion is evidenced by the fact that my file was abruptly transferred between collection entities, specifically from XXXX XXXX to Pioneer Credit Recovery, and inconsistent conversations with collections representatives as indicated in correspondence dated XX/XX/XXXX. It is also important to note that we never received any correspondence until the phone conversation in XX/XX/XXXX. This was also not an isolated mail issue we also failed to receive a federal tax refund during that same transition period and had to initiate an IRS trace and reissuance request. At that time, Pioneer could not clearly explain : what the debt was for, the medical procedure involved, whether XXXX had paid both us and the hospital, or why the amounts owed differed. We formally disputed the debt and requested validation and review. In XX/XX/XXXX, after over 1 year of back and forth correspondence seeking clarification and validation of alleged overpayment, we finally received full documentation showing a copy of the overpayment check. Importantly : We maintained the same U.S. phone numbers throughout the overseas assignment and XXXX move. No effort was made to contact us by phone or email. No effort was made to contact my military command. XXXX and XXXX were aware we were an XXXX XXXX military family subject to XXXX relocation.

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