vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a veteran rated 100 % service-connected XXXX by the Department of XXXX Affairs. In the State of Texas, veterans with this XXXX rating are exempt from paying property taxes. Because I do not owe property taxes, I contacted Wells Fargo to request removal of my escrow account. During multiple conversations with Wells Fargo representatives, including escrow officers, refinance specialists, and home mortgage specialists, I was repeatedly told that the VA requires escrow accounts on VA loans. This statement is inaccurate. According to the VA Lenders Handbook issued by the U.S. Department of Veterans Affairs, VA Pamphlet 26-7, Chapter 9 ( Legal Instruments, Liens, Escrows and Related Issues ), the handbook states : VA does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. This clearly establishes that escrow accounts are not required by the VA. If Wells Fargo has its own internal policy requiring escrow accounts on VA loans, that is a company policy decision. However, Wells Fargo representatives repeatedly represented this as a VA requirement. Representing a lender policy as a VA mandate is misleading and may cause veterans to believe they have no choice but to maintain escrow accounts when this is not actually a requirement of the VA loan program. There are lenders that do not require escrow accounts on VA loans. I believe this practice is deceptive and harmful to veteran borrowers, as it misrepresents the requirements of the VA loan program.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Subject : Truist Bank Disputed Transfer - Formal Request for Refund - Account ending in XXXX My complaint is to escalate my dispute regarding a {$500.00} XXXX transfer that was processed from my Truist Bank checking account ( ending in XXXX ). I recently received notice that my appeal for a refund was denied. The transfer in question was initiated on XX/XX/XXXX, at XXXX XXXX. I contacted the Truist support line that same day at XXXX XXXX, while the transaction was still pending, explicitly requesting that the bank stop the transfer. Their support representative instructed me to wait until the transaction posted and to then request a refund. Following those instructions, I waited until the transaction posted on XX/XX/XXXX to file the dispute. Furthermore, during a follow-up call on XX/XX/XXXX, I was informed by a Truist representative that while the bank will have the capability to stop these types of pending transactions in the future, it does not currently possess that functionality. It is unacceptable that my refund appeal was denied when I proactively tried to stop the transaction and was penalized solely due to Truist 's system limitations and the direct advice of their staff. Because I made every effort to stop this transfer while it was still pending, I maintain that I am not liable for these charges. I expect my {$500.00} to be fully 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
Despite me signing loan documents in XXXX of XXXX with the lender XXXX XXXX for XXXX XXXX loan which includes escrow payment of $ XXXX ( taxes and insurance ), the new servicer Fay Servicing refuses to pay the home owners insurance policy out of the escrow account My insurance policy is now being cancelled because of this. I have contacted Fay 3 times and they refuse to look into the issue I have over {$2000.00} in the escrow account now, yet they refuse to use the funds for the insurance policy annual premium. Fay and other servicers aquire loans for profit - not at the request of the consumer, and they one job to do, which is to service the loan and manage escrow account properly. They have failed to do this, and have my funds hostage in the escrow account which needs to now be used to pay the policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Have a used auto loan with Golden 1. I get repeated e-mails I can handle all the details of my account with online banking. I attempted to pay first installment of the loan on XX/XX/XXXX on my tablet. There was no pay link. My account was listed with a XXXX XXXX, but tapping on it only took me to a summary. There was no link there either. I sent them a message. I received no reply. I checked for a reply in online banking on XX/XX/XXXX as I had not received any notification. I still did not receive a reply. I indicated I had sent a amessage on the XXXX I did not receive a response. I checked again for a message today ( the XXXX ). NO RESPONSE, still. Failing that, I tried linking an external bank account that the payment was going to come from. I thought perhaps if I did then selected the Transfer option that I could finally PAY our first installment. The linking was successful. I went to Transfer and the account didn't show. There is minimal info available to me when I am logged on. There is nothing obvious about how to make payments. The due date is rapidly approaching. I never had a bank take 5+ days respond to a message...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I called as requested, but still not sure why I must call at all I only got an answer phone, so emailed asking when She would be available and have not had a reply

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>, my vehicle was declared a total loss. At the time of the accident, my auto loan account was current with no past due balance and no delinquency history prior to the loss. My auto insurer issued payment toward the loan balance, and a GAP claim was initiated on XX/XX/year>. The claim was handled by Safe-Guard Products International under claim number XXXX. Despite the account being current at the time of loss, the GAP claim was not finalized until XX/XX/year> more than four months later. During this extended processing period, Santander Consumer USA continued reporting the account as delinquent and began assessing late payments after the date of loss, even though the vehicle had already been declared a total loss and insurance/GAP processing was ongoing. Additionally, there appears to be a discrepancy in the payoff balance used to calculate the GAP benefit. Documentation from my lienholder and insurer reflected a payoff balance of {$12000.00} at the time of loss. However, Safe-Guard calculated the balance as {$10000.00}, resulting in a significantly reduced GAP payout and leaving a remaining deficiency balance of approximately {$2500.00}. I was never past due prior to the total loss. The late reporting and remaining balance appear to be the result of claim processing delays and/or an inaccurate payoff calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I sent National Credit Systems a written debt validation request via Certified Mail. XXXX XXXX confirms NCS received it on XX/XX/XXXX. Per FDCPA Section 809 ( b ), NCS was required to cease collection and provide validation documents including original lease agreement and itemized accounting of the alleged debt. NCS responded only with a payment instruction letter dated XX/XX/XXXX. This does not constitute proper debt validation under FDCPA. NCS then verified the debt with TransUnion without providing me proper validation documents. TransUnion closed my dispute in NCS favor on XX/XX/XXXX, XXXX XXXX XXXX. NCS is violating FDCPA 15 USC 1692g ( b ) by reporting and collecting on an unvalidated debt. I am requesting CFPB investigate and require NCS to provide proper validation or delete this account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I would get approximately five ( 5 ) phones calls a day, they would leave a message every time and it would fill up my mailbox. Making me have to delete them all at the end of everyday that they called. I don't have the dates, but i have the phone numbers saved and I'll get my phone record and highlight every call for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were zero and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least one instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with zero balances and no financial loss to the institutions.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX i received an email stating my credit dropped, upon looking into to this my credit should there was an account opened under my name. I reported the account as identity theft XX/XX/XXXXXXXX I have no attachments connected to the account the email is not mine neither is the number on file. However the account is still appearing on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were XXXX and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least one instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with XXXX balances and no financial loss to the institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I purchased the vehicle on XX/XX/year>. However I found out later that the financial person did a new loan agreement when I left. He removed the {$8000.00} down payment and put {$7000.00}. I have been paying my loan with the agreement that I would pay 10.84 % APR, which would add up to approximately XXXX, but it depended on how I paid my payments if that would increase or decrease. However, starting last month, all my payments went to finance charge and when I called several times about it, I was told I had to pay it because I did not pay any finance charges last year, but I pay finance charges every single time I make a payment. It seems as though they are trying to make me pay twice on interest for the one car. I did not sign up for that. Also I canceled {$3700.00} warranty contract, and it does not look like it has been applied, and I canceled that on XX/XX/year>, the same day I purchased the car. I feel like I am being totally scammed and fraudulently taken advantage of. Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is reporting a {$0.00} Combined Loss but labeling the account as 'Unpaid ' on my XXXX XXXX XXXX ( XXXX ) and XXXX reports. It is a legal and logical impossibility to have an 'Unpaid ' status on a {$0.00} balance. My attached final statement proves the account was settled to {$0.00}. I have disputed this twice with XXXX and once with XXXX ; the bank has failed to correct this inaccurate 'Account Abuse ' flag which is causing me ongoing financial harm.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
- XX/XX/year> : {$500.00} unauthorized transfer on CashApp card goes through. I call then and chat with them. Let them know that I had been hacked elsewhere too and to please lock the card and give me my {$500.00} back. I log a dispute - XX/XX/year> : {$200.00} transfer from XXXX goes to account. But it is- {$500.00}.... therefore I lose that money. I call AGAIN and start a dispute.... BECAUSE THERE WASN'T ONE ALREADY - XX/XX/year> : ANOTHER {$200.00} from XXXX lost ... BC DISPUTE STILL NOT FILED.... AND CARD STILL NOT LOCKED. I MANUALLY LOCK CARD AND FLIP OUT. DISPUTE 100 % LOGGED - XX/XX/year> : I call CashApp via phone. I'm told a bunch of XXXX.... it hasn't been ten days.... other people have been hacked and lost money too..., blah blah blah. It's been since XXXX ( way more than ten days ) and I don't care about other people 's issues rioght now. I need my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because Citibank has refused to properly investigate an unauthorized charge on my credit card and has closed my dispute without providing any evidence or justification, in violation of the Fair Credit Billing Act ( FCBA ). The disputed transaction is : - Merchant : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX - Amount : {$100.00} - Card ending : XXXX ( dispute letter references XXXX ) I did not authorize this transaction, did not make any purchase from this merchant, and did not provide my card information to this merchant. I reported the charge to Citibank promptly and followed all required steps in the dispute process. Citibank has now sent me a letter dated XX/XX/XXXX, stating : > We have no options available in this dispute because of the reasons provided in our previous correspondence. Any further attempts to resolve this dispute will need to be directed to the merchant We regret we are unable to assist you through the dispute process. Citibank has not provided : - Any documentation supporting their decision - Any explanation of how they determined the charge was valid - Any proof that I authorized or benefited from the transaction I never received dved any letter to my home address regarding this dispute or action items. They simply closed the dispute and told me to contact the merchant myself, which is not compliant with FCBA requirements. The bank is obligated to conduct a reasonable investigation and provide the evidence used to deny the claim. They have not done so. I am requesting that the CFPB require Citibank to : 1. Reopen and properly investigate this dispute under FCBA. 2. Provide all documentation used in their decision, including merchant response, reason codes, and internal notes. 3. Remove the unauthorized charge from my account unless they can provide clear evidence that I authorized it. I am acting in good faith and simply want the protections the law provides. Citibanks refusal to investigate and their failure to provide evidence is unacceptable and leaves me financially responsible for a charge I did not make. 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 monetary relief
Consumer complaint received 2026-03-04 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Around XXXX 2026 Barclays Aviator AAdvantage credit card was charged approximately {$200.00} by a website advertising expedited passport services. The website presentation closely resembled an official passport application service and did not clearly disclose during the purchase process that it was a private third-party company charging a significant fee to provide documents that are otherwise freely available from the U.S. Department of State . After completing the purchase, the company simply emailed or mailed standard passport application forms that can be downloaded directly from the U.S. Department of State website at no cost. No meaningful service was performed beyond sending publicly available documents. Because the service provided no legitimate value relative to the fee charged and the website presentation was misleading, I filed a billing dispute with Barclays requesting that the charge be reviewed. Barclays denied the dispute after the merchant stated that their terms indicate orders are non-refundable once documents are assembled or shipped. However, Barclays appears to have relied solely on the merchants stated policy rather than evaluating whether the merchants website presentation may be deceptive or whether the service provided reasonably justified the {$200.00} charge. My concern is that Barclays did not conduct a meaningful investigation of the dispute and instead accepted the merchants explanation at face value. As a card issuer, Barclays has an obligation to fairly investigate billing disputes and protect cardholders from misleading or deceptive merchant practices. I am requesting that Barclays conduct a proper review of this dispute and reconsider the charge.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southwest Credit Systems, L.P.
State: MD

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 two parties and I did not participate in any of it. they didn't follow the proper 5-step 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. This is very stressful as I am currently unemployed and technically homeless. I am taking all proper measures to correct my line of credit so that I can feel some sort of clarity in my financial situation.

Company response to consumer: Closed with non-monetary relief