vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been consistently disputing a best buy store card that I was an authorized user on. I have since been removed as an authorized user however the account is still reflecting on my credit file as open and has me listed as an authorized user. I have filed several disputes with the credit bureaus and I keep getting the same generic message from Citibank that I am no longer listed. This account has not affected me from getting an home loan. I need for someone to contact me directly in regards to this matter. This account should be completely removed from my credit file or listed as closed or relationship terminated. It continuously is being reported as an open account on my credit files. If this can not be resolved, I will be proceeding legally.

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 2026-01-20 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/XXXX, I got got a call posing as my bank same number on my debit card and even the name of the bank. They claimed I had XXXX $ of fraud trying to be took from my account and to fix this we would need to set up a new one and pay off the fraud but it was supposed to be credited back towards me. Instead they got my user and pass to my online banking account and had me while on the phone with them send large amounts of money thinking it was all going to be credited back on my new account. Come to find out they wiped my account clean and left me in debt, since my bank sees I was the one who made the transactions even tho I was course and catfished into believing I was helping myself. They now deny me my money back. I bank with Navy federal and the charges were took from XXXX and cashapp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I filed a report with CFBP XX/XX/year> reporting that I hadn't even had my XXXXXXXX XXXX XXXX credit card for a year and they reduced my available credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWhich resulted in me using over XXXX percent of my available credit and lowered my credit score. At that time, they increased it back to XXXX. Now, less than 2 months later and after I used another roughly XXXX during the holidays they have lowered my available credit to {$4500.00} with a {$4400.00} balance, so now again, its ruining my credit by looking like I used XXXX percent of my available credit! This is ridiculous!

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX, paying off my loan serviced by Valley National Bank. Under RESPA and Regulation X ( 12 CFR 1024.17 and 1024.38 ), a mortgage servicer is required to : Provide a Final Escrow Account Disclosure within 30 days of loan payoff, and Maintain escrow and servicing records for at least five years after payoff. 

Valley National Bank never provided the required Final Escrow Account Disclosure following my XX/XX/XXXX refinance. 

Beginning in summer XXXX, I made multiple informal requests to Valley National Bank seeking my Final Escrow Account Disclosure for the period XX/XX/XXXX through XX/XX/XXXX. These requests were made via phone and customer service channels, but no documentation was provided. 

On XX/XX/XXXX, I submitted a formal written request for the Final Escrow Account Disclosure. Since that time, Valley has contacted me by phone on multiple occasions but has been unable to provide the required escrow accounting. The only explanation given has been that the records are being searched for or are located in an old system due to a software conversion. 

As of XX/XX/XXXX, nearly three months after my formal written request and despite earlier informal requests dating back to summer XXXX Valley National Bank has still not produced : The Final Escrow Account Disclosure, A reconstructed escrow accounting, or A written explanation confirming the loss or destruction of required escrow records. 

A system or software change does not relieve a servicer of its record-retention or disclosure obligations under RESPA. My request is well within the federally required record-retention period, as the loan payoff occurred in XX/XX/XXXX. 

I am requesting regulatory assistance to require Valley National Bank to either : Provide the Final Escrow Account Disclosure showing escrow deposits, disbursements ( taxes and insurance ), and any escrow refund for XX/XX/XXXX through XX/XX/XXXX, or Provide written confirmation that required escrow records were lost or destroyed, including the date of loss, reason for non-retention, and Valleys applicable record-retention policy. 

I am not seeking financial compensation. I am requesting compliance with federal mortgage servicing disclosure and record-retention requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: SC

Complaint narrative:
My FHA mortgage loan servicing was transferred from XXXXXXXX XXXX  to Selene Finance in early XXXX  Prior to the transfer, no separate or increased mortgage insurance charges were assessed beyond what was disclosed and paid as part of my monthly payment. 

After the servicing transfer, Selene began assessing and disbursing FHA mortgage insurance charges through my escrow account without prior notice, explanation, or contractual authorization being provided to me. These charges first appeared beginning with the XX/XX/year> billing cycle and increased my monthly escrow obligation. 

I submitted written Notices of Error and requests for information asking Selene to identify the contractual and FHA Rider authority permitting these mortgage insurance charges, the date the charges were first assessed, how they differed from prior servicing, and to refund any improperly collected amounts. Selene has not provided a substantive response or supporting documentation addressing these requests. 

I dispute the assessment and collection of these mortgage insurance charges as unauthorized and improperly handled following the servicing transfer and request correction of my account and a refund of all improperly collected amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello There I have small business in new york and bank just send me emails to close my account I went to branch of bank they dont why bank is closing my account Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
RECEIVABLE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research RECEIVABLE MANAGEMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo allowed XXXX payments to post to a closed receiving account. 
The funds were never received and never returned. 
Wells Fargo closed the claim without providing an ACH trace or recovery. 
I am requesting immediate return of {$350.00} under Regulation E.

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 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Received a notice from my XXXX XXXX that Wells Fargo was checking my credit score. On XXXX XXXX phoned Wells Fargo and asked why. They said someone had applied online for XXXX XXXX XXXX credit. I did not do that. Wells Fargo said that they would correct the issue and I should not see any reflection on my credit. Then several days later I get a XXXX XXXX / Wells Fargo credit card saying I could use it at the store or any other place that would accept itXXXX  account # XXXX. Then several days later I get a XXXX Wells Fargo debit card saying its linked to account # XXXX. I dont have any accounts with Wells Fargo XXXX Tried to talk with someone at W/F and was put on hold. Hung up after holding for over an hour. Called back and was told I could hold or leave my number and someone would return the call in 7 to 10 days. A lot of damage to my credit can be done in that time. What now?? Thanks

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 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is sort of related to my other COMPLAINT ID XXXX with Wells Fargo for not doing their due diligence when {$100000.00} was transferred into 2 phony accounts with their bank. 

After I was a victim of financial fraud, wherein I lost {$120000.00}, I had the rest of my funds transferred from XXXX to 2 banks - XXXX XXXX XXXX - then redeposited the remainder to a new Wells Fargo account totaling {$320000.00}. The broker XXXX XXXX in the XXXX XXXX location convinced me to save that amount into XXXX of their brokerage accounts. 

I gave her a copy of my XXXX breakdown from XX/XX/year>, before the theft, and told her to best match the same distributions to my prior funds. Upon comparing what was funded into my XXXX IRA ending in # XXXX, I was shocked to learned that she only added {$58000.00} instead of the prior percentages that I had in XXXXXXXX XXXX 

After the theft, I had {$320000.00} left from my original {$400000.00} retirement amount with XXXX But when comparing the distributions, she did NOT follow my direction to match as best as possible to the original mutual fund breakdowns as promised. For example, with XXXX  my XXXX IRA was about 33 % of the total funds. NOW that amount came to only {$58000.00} - less than 18 % of my total funds! 

Due to my displeasure of Wells Fargo dishonesty, I decided to roll over ALL the money back to my original XXXX account. They first created a brokerage account, then rolled it into my original mutual funds account. Even my advisor at XXXX, XXXX XXXX, was shocked that this did not come even close to what I should have in my XXXX IRA. 

Now I have LOST all those years of contributions I made into my XXXX for over the last XXXX decades, and I am not allowed to transfer funds to my XXXX from the remaining mutual funds. Wells Fargo was delinquent in following my instructions, and to play catch-up, I can only add {$8000.00} per year, which I can not afford since the theft. 

I feel as if I was misled and lied to by the Wells Fargo broker, and want a full investigation as to why she did not try to best match 33 % of my funds into their XXXX IRA brokerage account. I worked so hard over the years to have {$130000.00} in my XXXX, and now it only totals {$58000.00}! This is yet ANOTHER fraudulent tactic used by Wells Fargo. Upopn research, I learned that their brokerage dept has a history of this kind of " cheating '', and I want some kind of resolution.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I have four collections reported on my credit reports and they all say LVNV Funding but say care of Resurgent Capital. Where is the proof of Chain of Title? I have not received any mail through the U.S. Postal Service about these accounts neither. So these accounts show up twice on each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX of XXXX, my car was accessed in my driveway, and my handbag stolen. Later that morning I got an alert via my bank that a transaction of {$170.00} was made at XXXX. It appeared that the transaction was made prior to XXXX. I logged this immediately with my bank as a fraudulent transaction. They gave me a temporary credit. On the XXXX of XXXX I got a letter from them that stated they concluded their investigation and decided the charge was authorized by me and they will now take back the temporary credit. 

My evidence and documentation are attached to the complaint : XXXX ) My police report XXXX ) A screenshot of my XXXX XXXX, clearly outlining how I left my house at XXXX on my way to school, and returned home at XXXX. 


In addition, I am employed by XXXX XXXX XXXX XXXX in XXXX XXXX doing XXXX XXXX, my morning shift starts at XXXX every school day. 
I never went to the XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) where this transaction was made. In fact, I rarely do any shopping there. Also, XXXX has clear video evidence of anyone using their checkouts. Easy evidence to gain to support my claim, yet it is clear that it was not done. 

To be clear : I never gave anyone authority to use my debit card. 
I never gave my pin to anyone to use my debit card. 
I had a theft from my vehicle where my handbag was stolen, my debit card was in my handbag Bank of America never requested any supplemental information from me to support my claim. They have never asked about my whereabouts or a police report. They came to their own conclusion based on poor evidence and a lack of thorough investigation.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had 2 checks from the same company XXXX XXXX XXXXXXXX XXXX XXXX. Both checks were the same amount {$4400.00} from the same bank, XXXXXXXX XXXX  XX/XX/XXXX I deposited both checks the same day 2 hours apart BOA being the first deposit at the ATM. Second deposit 2 hours later at XXXXXXXX XXXX XXXX XXXX XXXXleared the check in 3 days. XX/XX/XXXX check cleared. BOA said it will clear on XX/XX/XXXX XXXX pt. This was excessive so I went to the bank on XXXX in XXXX XXXX, FL to get a reason for the delay. No explanation given to me.. The bank XXXX XXXX would not clear or give me the check back as requested so that I can take the check to XXXXXXXX XXXX  He simply told me to call the # on the back of the debit card. I called the # at the Bank in XXXX XXXX and I got nowhere. I had no choice but to wait until XX/XX/XXXX. After waiting.... on XX/XX/XXXX the hold on the check was still there and they changed the date to XX/XX/XXXX. I was on the phone with XXXX different people and got nowhere. the last person I spoke to was XXXX XXXX I even had the owner XXXX XXXX from XXXX XXXX XXXX on standby for BOA to speak with him to verify funds. BOA wasn't interested. Had I known in advanced that it would take that long I would have simply gone to XXXX. They gave me no reason or explaination. I was livid and very upset with BOA. Using our money to benifit themselves. 
Thank You, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX is the 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 monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I originally filed a complaint concerning the bank issuing insurance that I already had, late fees I was being charged that are not applicable, and the need for them to adjust my principle balance to reflect that all charges have been reversed. They responded approximately 6 weeks later and admitted that there was an issue, but they have not fixed anything. I am still receiving collection phone calls and letters, and they have even sent a letter stating that I need credit counseling. I have tried calling XXXX at my local branch in XXXX, and do not receive any return calls. A good friend of mine was in the branch and asked her " Are you taking care of my buddy XXXX 's problem? ". She actually rolled her eyes and walked away. This has become extremely stressful and now bordering on litigious. It has caused me XXXX and I am losing sleep. If Hancock refuses to make this right, my attorney is ready to file suit. This issue has been ongoing for 13 years, and this particular case has been ongoing for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received my paycheck from the USPS to which I tried to deposit in my personal checking account. After several attempts and speaking with someone at XXXX, I was instructed to take the check to the issuer- Chase Bank. 
Upon arrival I informed them I was there to cash a check to which I was met with a few issues. Once those issues were resolved I was notified that Id be charged {$10.00} to cash it because I dont have an account with Chase . I dont agree with charging customers this fee especially because this was not told me to until actually cashing the check. I asked again was the {$10.00} fee necessary and was told yes. It is not my fault the check was wrote the way it was which prevented mobile deposit. Had I known this fee was in place I wouldve taken it back to XXXX and just waited for the 7 day hold to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My bank made a payment processing error that resulted in missing funds, unauthorized dispute action, and financial harm. 
I attempted to make a payment and was informed by my bank that it did not go through. I then made a second payment, which was valid and authorized. The bank debited my account for both payments, but the merchant has confirmed that only one payment was received. 
Despite my explicit instructions that the second payment was correct, the bank initiated a dispute on its own and reversed the second payment instead of correcting the duplicate debit. As a result, {$280.00} is still missing from my account, and the bank has been unable or unwilling to explain where the funds are or return them. 
Additionally, because of this error, I incurred non-return fees and related penalties, and I was deprived of access to my money for an extended period. The bank has provided inconsistent information and has not resolved the issue despite multiple attempts to do so. 
I am requesting : Immediate reimbursement of the missing {$280.00} Reimbursement of all non-return and penalty fees Interest compensation for the time my funds were wrongfully withheld Written confirmation explaining the error and confirming full resolution This is a clear bank processing error and a failure to properly credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
XX/XX/year> - attempt to be served by local sheriff 's office for suit from Jefferson Capital Systems Contacted company same day requesting purchase agreement and Original Debt amount and was denied both

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I lived at XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. They are the only apartments I have lived in. When I checked my credit report I saw there was a collection for {$5100.00} from XX/XX/XXXX for XXXX XXXX. I tried to dispute it multiple times. I have even tried to call the apartments to get any information and I have gotten no response.

Company response to consumer: Closed with explanation