vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My lender, " XXXX '' bank financial corporation, inaccurately reported a XXXX late payment for XX/XX/XXXX. My statement confirms that my monthly payment was successfully made on time in XX/XX/XXXX. However, approximately one week later, the bank executed an internal manual or digital reversal of this payment without my authorization, knowledge, or consent. WSFS bank failed to contact me regarding this internal reversal and I was unaware of it until I visited their website to make my XX/XX/XXXX payment, by which time the system automatically generated an inaccurate XXXX late mark I immediately contacted customer service and complained of the error to the representative and requested that if a late payment was reported, that it be removed immediately. I promptly paid the XX/XX/XXXX payment, as well as XX/XX/XXXX payment, and prepaid XX/XX/XXXX payment as well. The representative apologized for the error and assured me that if a late payment was reported, they would have the late payment mark removed. I first noticed this XXXX late mark upon recently viewing my credit report details, and contacted XXXX customer service on XX/XX/XXXX and XX/XX/XXXX to resolve this. " XXXX '' created reference id : XXXX. Her and another representative incorrectly stated that they would remove any late fees, but can not fix their own data and told me I could " only dispute it with the XXXX bureaus. '' Under the Fair Credit Reporting Act ( FCRA ), the bank is a data furnisher and is legally barred from verifying known inaccurate data. I request that the bank immediately audit its XX/XX/XXXX and XX/XX/XXXX transaction ledger, and submit a corrected status update to XXXX XXXX XXXX XXXX to delete this late remark. I have never been late with a payment to XXXX or my other lenders, as reflected on my credit reports and account statements.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Apparently, my XXXX was hacked and because my ATM/Debit card was attached to my XXXX account, someone was able to breach the security and transfer funds from my bank account to some ghost cashapp account. Wells Fargo stated that I authorized this transaction and that I had changed my limits on my XXXX and that I had logged into XXXX about XXXX times the day or XXXX leading up to the fraud. The money was transfered to something called XXXX XXXX XXXX on XX/XX/XXXX but the last time I logged into XXXX before seeing this fraud was on XX/XX/XXXX to add {$2.00} to my account and before that was XX/XX/XXXX. The last time in XXXX was XX/XX/XXXX. The time before that was XX/XX/year>. As you can see, the trend was VERY sporadic log in and for them to believe that I was in my XXXX XXXX times, changining my limits and authorizing this transfer is ludicrous. I did not authorize this transfer. I did not make the transfer. I did not tell someone they could make it for me and I certainly did not approve any nor would have approved any message from the bank or Wells Fargo to authorize such a transaction. I immediately called and filed a report with Wells Fargo within the hour of me seeing this and canceled my card and got a new one and canceled my account and got a new one and changed my username and password and unlinked my bank account from XXXX all together. Yet, Wells Fargo stated they denied the claim because " I authorized '' it.

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: GA

Complaint narrative:
I was scammed out of XXXX though a wire transfer. I require the following information. Who opened the account. Was the account opened in accordance with existing laws and regulations of the United States. Where did my XXXX transfer to when it left Wells Fargo. Who withdrew or transferred the money. It is my belief that Wells Fargo committed account fraud with the opening of this account due to their failure to provide law enforcement name dates and other information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing an urgent corporate fraud investigation regarding {$62000.00} in personal money orders and checks that were fraudulently processed under my Social Security Number and my historical residential location at XXXX XXXX XXXX.Corporate information confirms that {$62000.00} was stolen and cashed, yet the State Comptroller only holds a tiny unclaimed remittance check of {$140.00} from Wells Fargo. Because these funds originated from my personal money orders and my specific location, I am demanding that Wells Fargo pull their archived 2012 legal records, signature cards, and branch transaction history for XXXX XXXX XXXX. I need to see the XXXX XXXX of where the remaining $ XXXX was routed and who authorized the release of my personal 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 — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Ive had two fraudulent accounts opened with Wells Fargo under my name/SSN. One was a checking account and the other a credit card. Ive had both issues looked into, the credit card was supposedly closed, Im waiting for the bank to close. Im concerned that its been so easy for people to pose as me and open accounts with no ID or further steps to prevent this from happening with Wells Fargo. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NY

Complaint narrative:
Turned my lease in and they said I was over miles, received a bill from XXXX for over {$1900.00}. Says I was allowed XXXX miles a year but debt collector saying only XXXX. Have been on the phone with XXXX and they can see it In their system that its XXXX a year please help. I'm an older women and don't have that kind of money to just give away

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Spoke to XXXX they said they'd investigate i let them know I never received nor apply for their card they where very rude snd said I needed to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found these items in my deceased wife effects. I have filed against XXXX banks that received funds from failed banks. These banks ( XXXX XXXX and Bank of America ) retained the banking responsibility from failed Banks : XXXX XXXX and XXXXXXXX XXXX Both XXXX XXXX and Bank of America will not honor their loses : XXXX XXXX and XXXXXXXX XXXX. Both banks did not provide the state with the funds, as required, and not notifying us. I would be glad to speak to your representative. I have contacted federal and local jurisdictions. All were not helpful, including the banks. Only solution is a civil action, but no law firms will take the cases. Value over {$35000.00}, with owed interest over {$300000.00}, dating back from XXXX Bank of America provided XXXX new accounts. They will not honor the amount of each account from their bank takeover.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

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, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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: CO

Complaint narrative:
I maintained approximately {$540.00} in my U.S. Bank savings account. Over the course of a year, the account earned only about {$0.00} in interest, while I was charged a XXXX XXXX monthly maintenance fee that steadily reduced my savings. When I contacted customer service, I was looking for assistance with the monthly fee. Instead of addressing that concern directly, I was encouraged to change my checking account to a different type. I declined because I did not want to change my checking account just to avoid a fee on my savings account. As a result, I chose to close the savings account because the recurring monthly fee made it impractical to keep my money there.

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: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: MA

Complaint narrative:
My daughter and I submitted a student loan application to Ascent for her upcoming school year on XX/XX/year>. Each of us received notices over the last 30 days requesting we sign up for funding which advertisied a 2.29 % APR rate. We filed all of our information and received back a loan offer of 9.3 %. My credit rating is excellent- over XXXX on all three credit bureaus, and my daughter 's is over XXXX on XXXX. She is in school full-time and is not currently employed, but my income is more than adequate and I co-signed the loan application with her. One of their competitors offers a comparable rate ( 2 % + ) for variable interest, with another in the 3 % + range for fixed rate. I was under the impression based on Ascent 's heavy advertising push that we would be eligible for a rate much closer to the 2.29 %. Maybe a bit higher than their lowest, but certainly not 300 % higher! They make the process flow in such a way, it looks like you have no choice but to accept their horrible terms. When I emailed asking for an explanation, they provided no details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
mortgage company charged multiple fees for the same request for payoff

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was unable to make payments on this loan due to financial hardship caused by the XXXX pandemic in XXXX During that time, I contacted the creditor and was informed that the loan had been discharged. However, the debt continues to appear on my credit report. I am requesting that this account be investigated and updated to accurately reflect its discharged status, or removed if it is being reported incorrectly. Please review the account records and correct any inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had a Home Depot credit card for a few years. Which I have maintained a good balance, keeping my balance low. Ive received several invites to increase my usage, but chose not to. Due to illness, I missed a payment, but paid within 5 days past the due date to then learn that my limit was decreased to {$200.00}. Ive never spent over {$350.00} on this card as I exercised financial responsibility. I was told all of the credit report stuff was the reason which makes no sense, as there are freezes on each of my accounts with each credit agency. How could they pull a report if there is a freeze on my credit? I requested that my increase be returned & was denied without any logical explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: MD

Complaint narrative:
I am an FHA borrower who has been denied lossmitigation options twice by my servicer. The servicer is refusing to perform an FHA lossmitigation exception review even though my financial circumstances have materially changed since my prior TPP failures. The servicer repeatedly stated : Your pastdue is too high for us to help. We dont have any more programs. We can not supersede FHA guidelines. There is no supervisor escalation level. Your only options are to bring the loan current or sell the property. These statements contradict FHA servicing guidelines, which require : XXXX. Reevaluation when a borrowers hardship has materially changed, even after multiple TPP failures. XXXX. Exceptionlevel review when delinquency exceeds standard waterfall limits. XXXX. Access to escalation paths, including supervisorlevel review and Executive Resolution/Office of the President teams . XXXX. A written explanation of all available FHA options when a borrower is denied. My hardship has materially changed since my prior TPP failures, including changes in household composition, income stability, tax obligations, and essential expenses. Despite this, the servicer refused : Supervisor escalation FHA exception review Executive Resolution Team escalation Written explanation of available FHA options I am requesting that CFPB require the servicer to : XXXX. Perform a formal FHA lossmitigation exception review based on my updated hardship. XXXX. Provide a written explanation of all available FHA options, including any exceptionlevel programs. XXXX. Explain why escalation was refused, including denial of supervisor and executive review. XXXX. Confirm compliance with FHA servicing guidelines regarding material change in circumstances and exception review requirements. I am not asking the servicer to supersede FHA guidelines. I am asking them to follow FHA guidelines. 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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Someone tried to apply for a credit cards and home loans using my information

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/26 I received a adverse letter in the mail stating I was denied a loan I applied for online. When I applied for this loan there was no amount asked in the application process and when asked about my household income I reported XXXX dollars. I never received a call leading up to the decision while it took XXXX days. I currently have a credit card and have has previous loans with this bank.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IN

Complaint narrative:
I am filing this complaint against Uprova Credit , LLC regarding a loan I obtained while living in Indiana. According to my loan agreement, I borrowed {$1000.00}, but I was required to repay a total of {$4100.00}. The agreement states an APR of XXXX XXXX and a finance charge of {$3100.00}. I believe these terms are excessively high and predatory. I am concerned that this loan may not comply with consumer protection laws applicable to Indiana residents. Although Uprova states in the loan agreement that it is affiliated with a federally recognized tribal entity, I obtained this loan while residing in Indiana. I am concerned that the company is using its tribal affiliation to avoid state consumer lending laws that are intended to protect borrowers from extremely high interest rates and unfair lending practices. After I raised concerns regarding the loan, Uprova informed me that my account had been charged off, but they also stated that I still owe the remaining balance. I am concerned that the company may continue attempting to collect on what I believe is an unlawful or otherwise unenforceable debt. The loan required me to repay more than XXXX times the amount I borrowed. In my view, these terms are unconscionable and placed me in a financial position where repayment was extremely difficult. I respectfully request that the CFPB investigate : * Whether Uprova Credits lending practices comply with applicable federal consumer financial laws. * Whether Uprova Credit may lawfully make and collect loans with these terms from Indiana residents. * Whether the company is engaging in unfair, deceptive, or abusive acts or practices. * Whether Uprova Credit has a legal basis to continue collecting this charged-off debt. I also request that Uprova Credit provide documentation supporting its legal authority to collect this debt from an Indiana consumer and explain how the loan terms comply with applicable law. I have attached a copy of my loan agreement showing the loan amount, APR, finance charge, and repayment terms. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of my business bank account closure, restricted access to funds, lack of transparency, and mishandling of sensitive account information. On XX/XX/year>, Wells Fargo notified XXXX XXXX XXXX, XXXX that it would close my account because it believed the account had been compromised or impacted by potential identity theft. Wells Fargo immediately blocked deposits, withdrawals, debit card access, and payments. However, the bank did not provide any specific explanation, evidence, or details regarding the alleged compromise. Since that notification, Wells Fargo has repeatedly delayed the account closure without providing meaningful information. The closure date was extended multiple times : from XX/XX/XXXX to XX/XX/XXXX, then XX/XX/XXXX, and later XX/XX/year>, each time stating only that further investigation is needed. Despite multiple attempts to obtain clarification, Wells Fargo representatives have refused to explain the reason for the restrictions or provide a timeline for resolution. I also visited a Wells Fargo branch in person and provided two forms of government-issued identification in an effort to verify my identity and regain access to my funds. Despite this, Wells Fargo still refused to release the funds or provide a clear explanation for why my account remains restricted. Additionally, Wells Fargo mishandled my sensitive banking information by sending account-related communications to my previous address, even though I had already updated my address on file. This raises concerns about the accuracy of Wells Fargos records and its handling of confidential customer information. I believe Wells Fargo has failed to provide adequate communication, transparency, and reasonable assistance while restricting access to my business funds for an extended period. I am requesting that the CFPB investigate Wells Fargos actions, require the bank to provide a clear explanation for the account restrictions, ensure my funds are released promptly if no valid issue exists, and review whether Wells Fargo properly handled my personal and financial information.

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