vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Via Electronic Upload, Email, and Certified Mail Select Portfolio Servicing , Inc . RE : NOTICE OF MATERIAL MISREPRESENTATION AND DEMAND FOR IMMEDIATE CORRECTION AND FORECLOSURE SUSPENSION To Whom It May Concern : I am writing to place Select Portfolio Servicing, Inc. on formal notice of a material misrepresentation regarding the status of my fire insurance claim and to demand immediate corrective action. The subject property sustained a catastrophic fire on XX/XX/XXXX and has remained vacant, hazardous, and uninhabitable due to confirmed environmental contamination. Your records reflect that insurance proceeds were processed, tracked, and disbursed in connection with this fire loss. Documentation in my possession confirms multiple insurance payments issued and handled by your organization. However, on XX/XX/XXXX, SPS issued a written statement through my account indicating that no fire insurance claim had been received. This statement is materially inconsistent with your own documented handling of insurance proceeds and constitutes a misrepresentation of the status of the account. This misrepresentation is significant because it directly impacts : evaluation of casualty loss and collateral impairment ; determination of mitigation eligibility ; justification for reinstatement demands and trial payment requirements ; continuation of foreclosure activity ; accuracy of account servicing and borrower communications. Despite knowledge of the fire, contamination, and insurance activity, SPS has continued to pursue collection and foreclosure-related actions. Accordingly, I demand that Select Portfolio Servicing, Inc. immediately : 1. Correct the record regarding the existence and status of the fire insurance claim ; 2. Provide written clarification reconciling the XX/XX/XXXX statement with documented insurance disbursements ; 3. Suspend any pending foreclosure activity, including any scheduled sheriff sale, pending resolution of this material discrepancy ; 4. Conduct and provide a written casualty loss and habitability determination ; 5. Cease adverse credit reporting and assessment of additional fees pending investigation ; 6. Provide a complete accounting of all insurance proceeds received, processed, and disbursed. This matter has been escalated to regulatory authorities due to concerns regarding inaccurate and potentially deceptive servicing conduct. Failure to promptly correct this misrepresentation and address the issues identified herein will require further legal and regulatory action. I request written response within forty-eight ( 48 ) hours due to the urgency of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am submitting this dispute because the information being reported does not accurately reflect my legal obligation or the true history of this account. The vehicle was voluntarily surrendered, and the account was never late prior to the surrender. Additionally, I did not receive the legally required notice of disposition under UCC 9-613. Due to this failure, any alleged deficiency balance is not valid or enforceable. Therefore, I am requesting the removal of this tradeline to ensure my consumer report reflects accurate and legally compliant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We opened a Wells Fargo WREFLECT VISA PLATINUM credit card on XXXX XXXX but never activated and in XXXX XXXX did an balance transfer specifically for a promotional 0 % APR balance transfer offer ( XXXX months ). Before completing the transfer, we contacted Wells Fargo customer service because we were unable to process it online. During that call, the representative clearly and repeatedly confirmed that we would receive the 0 % APR promotional terms. We were also informed that the call was recorded. Based on those assurances, we transferred a balance from XXXX XXXX {$10000.00} and then were charged approximately {$500.00} in balance transfer fees. However, we are now being charged interest on the account, which directly contradicts what was promised. We would not have completed this transfer without the confirmed promotional terms. We request that Wells Fargo either : Apply the promised 0 % APR promotional period ( XXXX months ) and remove all interest charges, or Reverse the balance transfer and refund all associated fees and interest so the balance can be returned to XXXX XXXX. We request that Wells Fargo review the recorded call as evidence.

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 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I deposited a legitimate {$53000.00} official check into my Citibank account, which was accepted and fully cleared. Following this, my account was placed under review and moved into closure. Approximately {$39000.00} of my funds remain held by Citibank. It has now been nearly 6 months, and I have not received any written explanation, closure notice, or timeline for the return of my funds. I have only been told verbally that the issuer must recall the check in order for funds to be returned, which is not possible after settlement. Despite this, my account has continued to receive deposits, including a recent direct deposit, indicating the account remains active at a system level. I am requesting : 1. A written explanation of the legal basis for holding my funds 2. A clear timeline and method for returning my remaining balance 3. Confirmation that my funds will be released

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX EMPLOYER - XXXX XXXX XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had XXXX in my checking/debt account. I went to walmart.com and tried to buy XXXX for 6 metal privacy. card declined, figured it was because i hadn't updated expiration date as I had gotten a replacement card. Updated expiration date. Card declined second time. Figured I reenter all information. Card declined a third time. No fraud texts. Went onto app and was 3 charges of XXXX ( roughly XXXX ) frozen with XXXX remaining. App asked if this was my activity. I said yes. charges went from frozen to in progress. Figured Id cancel 2 orders in morning. I woke up and checked app and all documentation of charges were gone and my final balance with no pending refunds was XXXX! Someone in the fraud department is stealing from boa accounts! Call a boa rep and they said it sometimes happens that money dissappears when a marktet takes the money but is issuing a refund. I called XXXX and they never took any money. Boa will not even answer the phone now!! Their XXXX department is committing fraud! I am checking what numbers ( charges or pay roll numbers were changed to make it seem like my final balance is XXXX. I will file police charges!

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
We have submitted a previous claim for this matter, we were told by all outlets we have complained to that we need to hire an attorney, we did so & XXXX XXXX XXXX Bank still did not acknowledge our attorney or our concerns. Now that we are in foreclosure they just answered to our attorney. As previous complaint mentioned they have mishandled our escrow funds when our account was bought from XXXX Bank. We paid half of the escrow to XXXX & were told to send all payments to XXXX & XXXX bank in XXXX, we sent the balance of escrow due to XXXX XXXX XXXX Bank bt they proceeded to expect us to pay the full escrow amount of {$5500.00} since XXXX did not forward the funds to XXXX XXXX XXXX bank. We paid mortgage every month accordingly. XXXX XXXX XXXX Bank continued to charge fees as if the escrow was not paid. They continued to cash our mortgage check up until this year of XX/XX/2026. They have put our home into foreclosure without reaching out to our attorney since we started the demand letters. They refused to acknowledge our attorney & did not respond. They state we owe XXXX in Fees which we are not getting direct answers as to how or why these fees accrued when we had been paying the mortgage the entire time. We need them to get this fixed & our home back. We did everything in our power which included an attorney & they are not fixing this issue. I do not understand how they are not being required to be held accountable for their actions.

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Im following up on your response to my dispute. You stated the late payment was verified, but no supporting documentation was provided. Please supply records showing how this determination was made. If you can not provide such evidence, the late payment should be considered unverified and removed or corrected in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : Missing Returned Funds Confirmed Sent by Bank, Not Received by Merchant ( 120+ Days Outstanding ) On XX/XX/XXXX, I disputed transactions with JPMorgan Chase related to charges from XXXX XXXX. Chase confirmed the disputed amounts were refunded and provided two Visa Acquirer Reference Numbers ( ARNs ) : {$1400.00} ARN : XXXX {$1300.00} ARN : XXXX Despite this, the merchant has confirmed they can not locate or apply the funds using these ARNs. Chase later responded : > We have completed our review and confirmed that the merchant credit funds left Chase on XX/XX/XXXX. It may take up to 45 days for the merchant to receive them. Funds are sent to the merchant 's bank, and the merchant 's bank then credits the funds to the merchant 's account. We suggest that you follow up with the merchant regarding the credit, as the 45-day timeframe expires on XX/XX/XXXX. It has now been more than 120 days since the disputed funds were confirmed as sent, and the issue remains unresolved. In addition, I previously escalated this matter to the relevant gaming regulatory authority ( gaming board ), which also reviewed the issue as part of its investigation, further documenting the ongoing dispute and lack of resolution. There is a direct conflict in the information provided : - Chase confirms the funds left their institution and were sent to the merchants bank - The merchant confirms they have not received or located the funds using the ARNs - Regulatory review has been involved, yet no final trace confirmation or audit trail has been provided XXXX XXXX XXXX Requested Resolution : I am requesting a formal investigation and final determination that includes : - A full trace of both ARN transactions through the card network and acquiring bank - Written confirmation of the exact receiving institution - Confirmation of whether the funds were delivered, rejected, or remain pending/unapplied - Immediate resolution of the missing {$2700.00} total amount Given the extended timeline ( 120+ days ), conflicting confirmations between bank and merchant, and prior regulatory involvement, a complete audit trail and documented final disposition of funds is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been disputing inaccuracies on my credit report with TransUnion XXXX XXXX XXXX and they refuse to do a proper investigation but keep telling me that that is verified

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Escalation and Reopening of Complaint # XXXX Fifth Third Bank 's Continued Stalling Tactics and Failure to Communicate Required InformationTo the Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently escalate and reopen my previous complaint ( Reference Number : XXXX ) against Fifth Third Bank, N.A. On XX/XX/XXXX, Fifth Third Bank responded to my CFPB complaint via a letter from XXXX XXXX ( Office of the President ). In their official response, Fifth Third Bank claimed that they could not return the fraudulent {$50000.00} wire transfer because they allegedly " required additional information from your financial institution to review the request ''. Furthermore, they explicitly stated that " an additional request was sent to XXXX XXXX XXXX '' upon receiving my CFPB complaint. It has now been over a full month since Fifth Third Bank made this claim, and it appears to be a blatant stalling tactic. My originating bank ( XXXX XXXX XXXX XXXX ) and the correspondent bank ( XXXX XXXX XXXX, XXXX. ) have received absolutely no communication via the XXXX network detailing what this elusive " additional information '' is.As documented in our previous XXXX communications, our financial institution already submitted the required " Hold Harmless '' ( Indemnification ) letter to Fifth Third Bank 's specified email address ( XXXX ) on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If Fifth Third Bank genuinely requires specific documentation beyond the comprehensive Hold Harmless agreement already provided, they have a professional and regulatory obligation to communicate exactly what that documentation is through the proper inter-bank XXXX channels. Instead, they are hiding behind vague statements to the CFPB while failing to actually request the information from Bank of America.Desired Resolution : I respectfully request that the CFPB compel Fifth Third Bank to act transparently and in good faith. Fifth Third Bank must either : Immediately state in writing to the CFPB and via XXXX to XXXX XXXX XXXX the exact nature of the " additional information '' they are demanding so that my bank can provide it, ORAcknowledge the Hold Harmless indemnification they already possess and immediately execute the recall and return of the {$50000.00} fraudulent transfer.We can not accept an endless bureaucratic loop where a bank holds stolen funds while claiming they are waiting for unstated information. I appreciate the CFPBs continued intervention in holding Fifth Third Bank accountable. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Multiple fraudulent charges were made to my Bank of America credit card between XXXX XXXX and XXXX XX/XX/year> totaling {$12000.00}. I noticed these charges on XXXX XXXX and immediately canceled the credit card and filed a claim for fraud. Multiple purchases were made at different stores in XXXX. Although I live in XXXX, I do not shop at the stores in the locations these charges were made. I provided Bank of America with records of my accounts with these stores XXXX XXXX, which clearly indicates I have only shopped at the one specific XXXX location for the last 2 years even though XXXX XXXX purchases were made during this 2 week period at 4 different XXXX locations, none of which were the location that I shop at. Also, some of the so called merchants either can not be found in a XXXX search eg XXXX XXXX XXXX XXXX ( where purchases were claimed to be in person ) or are not physically located in XXXX XXXX XXXX XXXX grocery store in XXXX XXXX. The claim has been denied multiple times by Bank of America over a 3 month period and after multiple phone calls indicating that we confirmed your card was used for the charge ( s ). The chip was read, your pin was entered and/or you signed for the merchandise service, which indicates you or someone you allowed to use your card was present. I physically had the credit card in my possession at all times during this period so I dont understand how this conclusion can be made. I dont know how these charges were made, but I definitely didnt make them. There are other charges on my credit card at the same time that I did make, so these were very specific and unusual charges beyond my normal spending habits and which were not in the locations where these fraudulent charges were made. I asked for supporting documentation that an investigation had actually taken place and details on what had actually been found multiple times during this 3 month period but continued to receive a single page letter by mail stating the above reasoning without any further explanation. When trying to obtain more information in multiple phone calls to the fraud team, I was just told that I live in XXXX and shop at these stores so I must have made them. This is a large amount of money causing financial stress for myself and my family. I have also had to pay the credit card balance as I was being charged interest on the fraudulent charges. I feel Bank of America have failed me as a faithful customer in 25 years of good standing. I expected more from them. I have now also filed a police report.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am submitting this dispute because I have not received proper validation of the alleged debt after requesting it in writing. The information being reported remains unverified, and I am seeking confirmation or correction to ensure the accuracy of my credit report under the Fair Debt Collection Practices Act.

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 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: CO

Complaint narrative:
I have reached out 10 days in advance to have my financial information removed from their app and revoked authorization for any further debits to be withdrawn and they are refusing to comply.

Company response to consumer: Closed with explanation