vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I am filing this formal complaint against USAA Federal Savings Bank for failure to return my funds totaling {$52000.00} following an account restriction and closure notice. USAA has held my funds for nearly eight months without providing written justification or releasing the balance. Timeline of Events : XX/XX/XXXX, XXXX XXXX, XXXX : A legitimate inbound wire/transfer of {$50000.00} and {$7000.00} was deposited into my USAA account. Days later USAA placed a restrictive lock on the account. Late XXXX / Early XX/XX/XXXX : I received an official written notice from USAA stating that my account was being closed under the Account Depository Agreement. The letter explicitly stated that the account would be closed within 60 days and the remaining cash balance would be issued to me via a check. XX/XX/XXXX : I contacted USAA customer support via phone to check the status of the check. I was informed the account was under investigation by the fraud/compliance department. XX/XX/XXXX : I called USAA again. The representative verbally confirmed over the phone that the investigation was completed, the transaction was verified as fully legal and legitimate, and no fraud was committed. However, they could not provide a specific release date for the check. XX/XX/XXXX. I called USAA for a subsequent update. Front-line representatives repeated that the funds were cleared but the account remained restricted, and no check had been mailed. Despite multiple verbal assurances over the telephone that the investigation is complete and the funds are cleared, USAA has failed to send the check promised in their original 60-day notice letter. USAA has also refused to provide any subsequent written updates or official correspondence explaining this massive delay. As a 16-year member of USAA, I am deeply concerned by this complete lack of transparency and the unauthorized retention of my money. USAA is in violation of its own stated timeline and is unlawfully withholding my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
My grandson and I are legal co-owners of a XXXX XXXX XXXX that we purchased new from XXXX XXXX in XXXX, financed through Hyundai Motor Finance. The vehicle was paid off in full in XXXX. We received a letter from Hyundai Motor Finance at that time stating that the vehicle was paid in full, that the XXXX was released, and believed the matter was closed. The car was stolen from our home on XX/XX/XXXX. It was later recovered and declared a total loss by our insurer, XXXX. On XX/XX/XXXX we discovered that Hyundai Motor Finance had never properly released the title to the XXXX XXXX or to us even though the loan was paid off XXXX years ago. We have made repeated attempts to obtain the title : - We tried to access it through the Hyundai Motor Finance XXXX. - We called and emailed XXXX XXXX multiple times with no response. - When we called Hyundai Motor Finance, they refused to speak with my grandson ( a legal co-owner and the sole driver since purchase ), claiming he is not listed on the account. - They also refused to speak with me, stating I am XXXX XXXX XXXX with XXXX. - They demanded a XXXX XXXX of Attorney letter, which we mailed to them on XX/XX/XXXX. As of today ( XX/XX/XXXX ), we still have not received the title. This XXXX delay has caused significant tangible harm. XXXX has delayed our total loss payout of {$6800.00} because they can not proceed without the clear title. We have been forced to pay for a rental car out of pocket while I deal with my own serious XXXX conditions, with my grandson as my primary live-in caregiver deals with his own XXXX issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX entered into several XXXX XXXX Mortgages with XXXX XXXX XXXX XXXX XXXX XXXX Serviced by FCI Loan Servicing Approximately around mid XXXXXXXX XXXX XXXX mortgage lenders alleged mortgage fraud claims against my business and used a XXXX party XXXX XXXX XXXX XXXX XXXX with a power of attorney to take over my properties by paying off my mortgages with FCI Servicing and gaining title through deed in lieu documents based on false claims of threats of filing criminal complaints which was carried out to completion after the deeds were signed I called the servicer and they did nothing to protect me as a borrower was the extortion was discovered. They allowed the parties to take control of my company assets! XXXX of XXXX XXXX voluntary gave access to the third parties that did not have my consent and was aware of the civil extortion within the dispute and participated in civil extortion and did not follow community property state laws or foreclosing rules to include protecting me as the borrower rules while I was in an active divorce proceeding and dealing with the attack

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a claim on XXXX XXXX XXXX XXXX I went into XXXX and made a purchase for {$500.00} The cashier told me my purchase was declined so I paid in cash When I got to the car I noticed the {$500.00} was taken off of my card so I had paid for the transaction twice I instantly called Wells Fargo to create a claim I have all the proof and receipt that I paid twice wells Fargo still declined my claim I sent them proof today on XX/XX/year> a provisional credit was given to me and we'll be taken back because my claim was denied which will cause my account to go into overdraft I am already a struggling single parent and I can't afford for that to happen I would like for Wells Fargo to look into my claim again to see that I am telling the truth about paying twice for my claim my claim number is 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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am formally disputing IC System account number XXXX. This debt does not belong to me, and I have no knowledge of any account giving rise to this alleged obligation. I have previously notified IC System that I dispute this account. Despite my dispute, the account continues to be reported on my consumer reports. Reporting information that can not be accurately attributed to me may constitute inaccurate credit reporting. I request that IC System conduct a reasonable investigation into my dispute and provide documentation demonstrating that I am the individual legally responsible for this debt. Such documentation should establish a clear connection between me and the alleged account, including the identity information relied upon to attribute the debt to me. If IC System can not substantiate that I am the responsible party, I request that the account be deleted from all consumer reporting agencies to which it has been furnished and that IC System cease reporting the account as belonging to me. I also request a detailed explanation of the investigation performed, the information reviewed, and the basis upon which IC System determined that the debt belongs to me. I am seeking correction of inaccurate information and removal of any account that can not be verified as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Around XX/XX/year> I started receiving correspondence from Wells Fargo that my insurance coverage had lapsed. On XX/XX/year> I obtained coverage and uploaded the policy details to Wells Fargo. I then began to receive letters saying that there was no insurance coverage between XX/XX/year> and XX/XX/year> and I had to provide coverage for that period. I attempted to purchase the coverage requested but my insurance company refused to back date my coverage and my insurance broker advised that it was not possible to purchase coverage for past periods. Wells Fargo then threatened me that they would force me to buy their coverage at a cost of {$140.00} for the period XX/XX/year> to XX/XX/year> even though there was no insurance loss in that period and it was impossible for me to purchase retroactive coverage. I received another letter threatening to impose coverage on XX/XX/year>. On XX/XX/year> I responded that the coverage lapsed due to an oversight and it was impossible for me to purchase retroactive coverage but as there had been no insurance loss for the period concerned {$140.00} was an unreasonable amount to charge and I would contest any such charge levied pursuant to the provisions of Real Estate Settlement Procedures Act CRESPA ). That email was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I paid off the loan for my truck on XX/XX/year>. As of today, XX/XX/year>, I have yet to receive my title in the mail from the State of Michigan. Starting on XX/XX/XXXX, I called Wells Fargo 3 times that day to discuss the status of receiving my title. After the third call, a representative finally told me that the lien release was submitted in error and it was not processed. On XX/XX/XXXX after multiple additional calls to Wells Fargo representatives, I emailed XXXX XXXX and XXXX XXXX about this problem, requesting if the lien was successfully transmitted and asking for the confirmation number, and if it wasn't released successfully to please release the loan immediately. On Monday, XX/XX/XXXX an XXXX from Wells Fargo reached out, apologized about the problem, and said they would reach back out by Thursday XX/XX/XXXX with additional action. I had to call on Monday, XX/XX/XXXX because I never heard back from them. As of then, they still had not processed the lien release. I held up my end of the bargain and paid off my loan ( in 12 months, mind you ) and it has now taken nearly 20 % of the length of my loan to get my title??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 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: MO

Complaint narrative:
I am disputing this charge-off account because I believe the information being reported is inaccurate, incomplete, or unverifiable. I have concerns regarding the account history, balance, payment records, and the validity of the charge-off status being reported. I request a full investigation and verification of all reported 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 non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I no longer need my savings account with Ally Bank, so I directed the XXXX to close my account and transfer the funds to another bank listed as a transfer bank in my account. I was told ( I did this 3 times ) that my funds were permanently unavailable, and he could only transfer the interest on that money. When I asked why my funds and account had a permanent hold, he did not provide an answer, but put me on hold several times to XXXX ' someone else. He told me that he had received approval to remove the hold, and that he would send me an email stating that the situation had been resolved. He gave me reference a number of XXXX. But I have not received any emails or texts regarding the situation as he promised. I previously went through the same thing with customer service to get the bank to release my funds, and nothing happened ... no text or email or any kind of response. I am suspicious that the same thing will happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I did not approve for this account to be. Im a victim of identity theft and need this account removed and block from my Chex system profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
This is an ongoing situation for the past XXXX months as you are already aware of. Ally Bank has sent me an email/letter indicated that they have done everything necessary to resolve the matter. As far as they are concerned they have closed both cases and all that was needed to end the matter was for me to call their fraud department. Today at XXXX XXXX XXXX was on hold for XXXX minutes after speaking to an associate and he said that he would direct me to the Ally associate who was handling the case. I answered all security questions for my identity that I provided when opening the account. He put me in hold and never returned. So at this point, again Ally Bank is doing everything possible to keep from returning my money from my accounts and hasn't returned any money as well. This is how it started from the beginning, as they continue to hold my accounts XXXX even as they make claim that the cases have been closed. They have had ample time to rectify the matter, they are attempting to create a new situation that starts everything from the beginning. I feel once again that Alliy Bank functions under unlawful practices and I want my money returned to me or have access to it 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 2026-06-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed off my report as soon as possible. I am submitting this compliant and documents on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
They keep contacting a business a have no part of and are harassing them even though they told them they dont know me. And they contact me angry that they are involved. And on XX/XX/year> the manager contacted my telling me to call them to stop this even after Ive already filed a complaint and it said it was taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through Regional Acceptance Corporation. The vehicle MSRP was {$17000.00}. The Amount Financed on my contract is {$26000.00}. I have made total payments of {$37000.00}. Regionals own payment history documentation shows my principal balance was {$19000.00} following my XX/XX/XXXX payment. Two months later Regional demanded a payoff of {$20000.00} {$620.00} more than their own records show was owed. I am requesting explanation of this discrepancy. I filed a CFPB complaint on XX/XX/XXXX with seven specific demands including explanation of the Add Loan INTERNAL source coding on the origination entry, seven conflicting vehicle valuations across documents signed simultaneously, a {$1700.00} discrepancy between the retail installment contract and the XXXX title application, the blank Notary Public line on the Limited Power of Attorney, the dealer invoice listing a different financial institution than Regional, and the undisclosed dealer reserve retained from the finance charge. Regionals response dated XX/XX/XXXX directed me to address these questions to the dealership. However several of these demands specifically the Add Loan INTERNAL accounting entry, the dealer reserve Regional retained, and Regionals own payoff calculation relate exclusively to Regionals internal records and conduct. Regional can not lawfully redirect questions about its own accounting entries and its own revenue to the dealership. The GAP Addendum lists the vehicle value at {$27000.00}. The XXXX title application lists the purchase price at {$25000.00}. The contract states {$26000.00}. The MSRP is {$17000.00}. These figures were on documents signed simultaneously. They can not all be accurate. The stated down payment on the contract is {$5700.00}. The actual amount paid was {$1800.00}. This discrepancy directly affects the disclosed Amount Financed. Regional has not explained these discrepancies. Their response redirected me to the dealership for questions that are Regionals own responsibility to answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received notice from Wells Fargo that the rewards program associated with my BusinessLine account will terminate on XXXX XXXX, 2026, and that any unredeemed rewards points will be forfeited after that date. My XX/XX/year>2026 account statement shows that I have XXXX available rewards points. The statement instructs me to redeem the points online through the Wells Fargo Business Rewards website or by contacting the Rewards Service Center. Since receiving the notice, I have made multiple attempts to access and redeem these rewards. When I log into Wells Fargo online banking, I am unable to view or access the rewards associated with this account. I have also called Wells Fargo multiple times seeking assistance. During these calls, I was transferred between departments repeatedly, and no representative was able to provide a solution or a method for redeeming the rewards. In some instances, the calls were disconnected before the issue was resolved. I specifically requested confirmation of my rewards balance, instructions on how to access and redeem the rewards, and assistance resolving the issue preventing redemption before the XX/XX/year>2026 deadline. Wells Fargo has not provided this information or resolved the issue. I am concerned that Wells Fargo will forfeit my rewards points even though I have made repeated good-faith efforts to redeem them before the stated deadline. I am requesting that Wells Fargo : Confirm my rewards balance. Provide immediate access to redeem my rewards points. Ensure that my rewards points are not forfeited while this issue is under review. Provide a written explanation of how this matter will be resolved. I am attaching documentation showing the rewards balance and the notice regarding the upcoming termination of the rewards 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 non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have jumped through every hoop they have given me filled with daily calls to be spoken to in circles about their ineffective process. Before I send the certified funds I called the company to ask the process as I needed the turn around to be quick. I was advised on XX/XX/year> by the " escalation department '' to overnight certified funds and that would be the fastest way to receive a title in and it would take 4 business days. I overnighted the funds and 9 business days later I have not title release that has been sent to the XXXX and nothing but the runaround on when I will receive it. The car was paid off with certified funds on XXXX and XXXX I today was told it could be another 10 days. 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 explanation