vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
What happened : Between XX/XX/XXXX and XX/XX/year>, multiple fraudulent accounts were opened in my name at USAA, and large unauthorized transfers were made from my legitimate USAA and XXXXXXXX XXXX accounts into these fraudulent USAA accounts. I did not open these accounts, authorize these transfers, or give anyone permission to access my information. XXXX of events : XX/XX/year> : {$4900.00} was transferred out of my USAA savings account into a fraudulent USAA account opened in my name. XX/XX/year> : {$3300.00} was transferred out of the same savings account {$1300.00} was transferred out of my USAA checking account into another fraudulent USAA account A fraudulent Savings Pod XXXX account was also created in my name. Later that night, I discovered {$340.00} had been taken from another USAA checking account XX/XX/year> : Fraudsters attempted to transfer {$4900.00} from my XXXXXXXX XXXX business account into the fraudulent USAA accounts. I caught this in time and had XXXXXXXX XXXX stop the transfer and close the compromised account. XX/XX/year> : Fraudsters opened yet another USAA checking accounttransferred {$500.00} out of my newly opened USAA checking account. I was able to reverse this transfer only because I caught it immediately. Critical facts : USAAs own records show that on XX/XX/year>, XXXX calls from local phone numbers attempted to open accounts in my name. The callers had my personal information but did not have the verification code sent to my phone, which should have prevented account opening. XXXX continued after I reported the first unauthorized transfers. USAA refused to close compromised accounts during the investigation, allowing additional theft. I received numerous overdraft notices and mail I did not have time to open while dealing with the fraud and preparing for a trade show. USAA closed the fraud case claiming I opened the accounts and moved the money myself, which is false. A USAA employee later reopened the case, but USAA is still claiming the activity was authorized. Regulation XXXX requires reimbursement for unauthorized electronic transfers unless the bank can prove the customer initiated them. The pattern of activity clearly shows account takeover, not customerinitiated transfers.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: AL

Complaint narrative:
I initiated a remittance transfer of USD XXXX on XX/XX/year> and USD XXXX on XX/XX/year> through Abound from my XXXX XXXX XXXX account to my bank account in XXXX. The funds were debited from my XXXXXXXX XXXX account on XX/XX/year> and XX/XX/year> respectively. As of XX/XX/year>, the funds have not been credited to the recipient account, and I have not received any meaningful update regarding the status or whereabouts of the transfer. I previously notified Abound of this issue and submitted a Notice of Error under Regulation E. Despite this notice, I have not received a substantive investigation result, explanation of the delay, confirmation of the current location of the funds, or an expected resolution date. I am formally requesting : Confirmation of the current status and location of the transferred funds. Documentation showing whether the transfer has been completed, rejected, returned, or remains pending. The reason for the delay. Immediate completion of the transfer or prompt refund of the USD XXXX. A written response regarding my Notice of Error. Please treat this as a formal complaint and provide a written response as soon as possible. Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I paid off XXXX XXXX XXXX the {$300.00} that I owe them. I asked Transunion to update their records and they keep telling me that I did not pay off sharing XXXX XXXX and I did. I am looking for my credit to go up because Im trying to find an apartment and everybody is judged by their credit score. So if this can be corrected with hopes that my credit score will go up. I would really appreciate it because I paid off the loan.

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 2026-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: TN

Complaint narrative:
b'In a marketing letter received on XXXX for a VA-Guaranteed Cash Out Loan Offer (Reservation # XXXX XXXX XXXX), there is direct evidence of false and/or misleading advertising by New Day USA. The first three sentences of the letter state:\n"Prices on everything have gone up and up. The good news? So have home values."\nThis third sentence is of significant concern, as home values and market prices have not risen consistently or evenly across the country, and many areas have seen values decrease. \nAs an example, we paid just over $XXXX for our home in XXXX. I now see comparable homes on the market for XXXX, $XXXX, and even as low as $XXXX, with some of these homes being openly listed for 7-10 months without sale, and several showing multiple price reductions to attract buyers. This demonstrates a degree of desperation among homeowners to sell, even at a net loss, despite New Day USA\'s direct statement that home values have increased.\nThe only justification behind New Day USA\'s brazen and misleading statement I can possibly think of is fuzzy math, in that they are including the retail price of newly built homes by developers at full markup (including planned, unexecuted developments) in their calculations to drive up the total average across the country. While this does not make the statement necessarily false from a strictly legal definition, it absolutely undermines the trust of consumers in institutions that have a fiduciary responsibility to protect their clients. \nThis type of misleading information is unjust and unfair to the public at large, and is the same type of predatory tactic that led to one of the worst financial disasters in recorded history. After calling New Day USA to file a complaint for their wording in the letter sent, no action was taken other than to send me to the CFPB website to file a regulatory complaint, despite my offer to keep everything in-house to avoid possible fines and violations.'

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 2026-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company INC is suing me for an illegal balance billing debt from XXXX XXXXXXXX XXXX XXXX XXXX. I had XXXX on XX/XX/XXXX. The company contracts with my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX paid out on all billed codes, and per my EOB I owed {$200.00}, which was paid. XXXX continued to try and collect {$2200.00} from me, claiming that insurance didn't pay on a specific code. XXXXer Federal and State law, since XXXX contracts with XXXX, they can not legally attempt to collect any additional funds from myself as the patient, as this is known as " balance billing '' and is illegal. Over the last three years, XXXX has confirmed with XXXX on multiple occasions that all codes were paid out on ( some bundled ), and that I do not owe anything additional. Finally on XX/XX/XXXX XXXX told me via a three way phone call with myself and a XXXX rep that they had verified that insurance paid on all codes and were removing the additional charges from my account within 7 days. One year later, I received a debt collection notice for the amount from Professional Finance Company INC. When I did not pay the debt collector, they filed a lawsuit against me. We have a trial date in XXXX XXXX set for XX/XX/XXXX at XXXX ( Case Number XXXX ). I have submitted all evidence to the court including proof of my co-payment, the EOB, and a line item breakdown from XXXX. Both XXXX XXXXXXXX XXXX XXXXXXXX XXXX and Professional Finance Company INC should be investigated for attempting to illegally collect funds, and insurance fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt and the associated " eviction '' public record/tradeline currently being reported on my consumer profile under the account number listed above. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, I am exercising my right to dispute this information and demand full verification and validation of this alleged debt. I do not recognize this debt, nor do I agree that an eviction judgment or lease break fee is legally or accurately tied to my consumer record. Pursuant to the FDCPA and FCRA, please provide me with the following verification items within XX/XX/XXXX days : Proof of Debt Ownership/Authorization : A copy of the agreement showing your legal authority to collect this alleged debt or report this information. Itemized Accounting : A complete, breakdown ledger of the alleged balance, including original lease terms, move-out inspection reports, and any credited security deposits. Legal Eviction Documentation : If you are reporting an eviction, provide a certified copy of the court judgment or legal order bearing a judge 's signature. A mere collection file or landlord ledger does not constitute legal proof of an eviction. Verification of Identity : Proof that this alleged account belongs to me, including a copy of the signed lease agreement containing my signature. Please note that reporting inaccurate, unverified, or misleading information to consumer reporting agencies is a direct violation of Section XXXX of the Fair Credit Reporting Act. Furthermore, under FDCPA 15 U.S.C. XXXX, it is unlawful to use false, deceptive, or misleading representations in connection with the collection of any debt, which includes reporting inaccurate legal statuses like an unverified eviction. If you fail to provide the requested legal documentation validating this debt and the alleged eviction within XXXX calendar days, you must immediately cease all collection activities and delete this tradeline from all consumer reporting registries. Thank you for your prompt attention to this matter. I expect a written response detailing your findings and actions within XX/XX/XXXXdays. Sincerely, 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 explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
I asked recovery management services to provide the signature pages. The health profession loans were signed by pen and were not electronic signatures. Recovery management services failed to provide the signature pages. The documents signed states the loans both are private and federal but recovery management services ignored the matter. Im going to get a lawyer for this matter and sue Recovery Management Services.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BOAXX/XX/XXXX- made a {$25000.00} ach payment which was withdrawn from my bank XXXX. BOA has a XX/XX/XXXX XX/XX/XXXX hold on my money and offers no explanation nor did I get a warning that this may happen when I entered the amount and information. I want my money back or have access to 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 2026-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
COMPLAINT AGAINST : Sallie Mae XXXX XXXX. ACCOUNT AUDIT VALUES : Original Borrowed Amount : ~ {$120000.00} | Total Paid Since XX/XX/XXXX : ~ {$20000.00} | Current Ballooned Balance : ~ {$150000.00} STATEMENT OF FACTS & REGULATORY VIOLATIONS I am filing this formal complaint due to systemic auto-pay servicing negligence, unfair negative amortization, and severe billing ledger inaccuracies by Sallie Mae that directly violate the Truth in Lending Act ( Regulation XX/XX/XXXX XXXX XXXX ) and federal UDAAP standards. I have manually audited my complete, consecutive banking ledger from XX/XX/XXXX to XX/XX/XXXX, which I have attached to this dispute as concrete evidence. This unbroken XXXX paper trail proves that despite acting in absolute good faith and contributing ~ {$20000.00} out of pocket while attending XXXX University XXXX Sallie Maes internal software glitched systematically, driving my balance up by ~ {$31000.00} over the original principal. My manual hand-audit reveals XXXX distinct, catastrophic servicing errors : Systemic Multi-Month Auto-Pay Blackouts : Despite being explicitly enrolled in auto-pay ( which per policy should trigger as soon as funds are distributed ), Sallie Mae completely failed to initiate or execute payment withdrawals for massive, multi-month blocks. Specifically, my bank records show {$0.00} withdrawals during XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. My accounts were fully funded during these windows, yet Sallie Mae 's system went completely dark without notification, allowing unmitigated daily interest to accrue and capitalize against my will. Missing and Deficient Transaction Ledger Lines : On active billing cycles where XXXX distinct payments were required to keep all individual loan lines current, Sallie Maes statement text only accounts for XXXX. The money was fully available, but their system failed to properly allocate and textually document where the payments were applied, artificially triggering past-due statuses and inflating daily interest metrics on the neglected lines. Sallie Mae routinely delayed the clearing of my funds, exploiting an " interest float '' window to divert my cash investment away from the principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
I am requesting assistance resolving an unresolved escrow-related tax refund issue involving my former mortgage servicer, Flagstar Bank XXXX and its third-party escrow vendor, XXXX ( formerly XXXX ). I sold my property in XXXX. After the sale, I was approved for a property tax abatement covering tax years XXXX through XXXX. Because the property taxes were paid through my mortgage escrow account, the county issued the resulting refund through the escrow payment process to XXXX, the third-party company responsible for processing escrow-related funds. XXXX subsequently misdirected the refund to another consumer. Flagstar has confirmed in writing that XXXX acknowledged the error and advised that the funds were sent to the wrong client. Flagstar further confirmed that the error was identified on XX/XX/XXXX, and that XXXX escalated the matter internally to its refund team. The refund amount is approximately {$11000.00}. Flagstar has stated that it will issue payment to me once the funds are recovered from XXXX. However, despite the error being acknowledged, I have not been provided with a resolution timeline, recovery deadline, or clear explanation of what actions are being taken to ensure the funds are returned. I understand that Flagstar did not directly send the refund to the incorrect recipient. However, XXXX was acting as the escrow processor associated with my mortgage account, and I currently have no direct avenue to communicate with XXXX as a consumer. I am dependent on Flagstar to escalate and facilitate resolution of this vendor-related escrow issue. I am requesting assistance obtaining : XXXX. A documented resolution timeline ; XXXX. Confirmation of the escalation efforts being taken with Cotality ; XXXX. Recovery and release of the approved tax abatement refund ; XXXX. A clear explanation of the process if XXXX is unable to recover the funds from the incorrect recipient. This matter involves a substantial amount of money that was approved for my benefit and has been unavailable to me due to an administrative error outside of my control.

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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Account IC Systems XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Wells Fargo Misposted Deposit Bank States It Can not Find the MoneyXX/XX/XXXX Days Unresolved Complaint Text : I am filing a complaint regarding Wells Fargo Banks failure to correct a misposted deposit involving insurance premium funds. On XX/XX/scrub>, 2026, I deposited funds at the Wells Fargo branch in XXXX XXXX, CA and provided the correct business account number. The teller deposited the funds into the wrong account. I reported the error immediately in person. It has now been more than XX/XX/XXXX days with no correction. The branch has given inconsistent information and recently informed me that they can not find the money, which is alarming and unacceptable. Wells Fargo opened XXXX internal case files for this issue : Case XX/XX/XXXXXXXX and CaseXX/XX/XXXXXXXX, both created by the XXXX XXXX, CA branch. Despite these cases being open for over XX/XX/XXXXdays, the bank has taken no corrective action. This deposit represented an insurance premium intended to bind a commercial liability policy. Wells Fargos failure to correct its own teller error and its admission that it can not locate the funds has created significant financial and liability exposure for the insured, the carrier, and my business. I request immediate CFPB intervention to require Wells Fargo, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to : Locate and correct the misposted deposit without further delay Provide written confirmation of the correction Explain why the bank can not locate deposited funds Address the financial and liability harm caused by this XXXXday delay Wells Fargos conduct violates basic banking standards and requires urgent regulatory oversight.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello so I had two credit cards with Citibank and both of the credit cards were compromise last year sometime in XX/XX/XXXX. I called them multiple times to dispute all charges on both of the credit cards. I went to the bank several times I can provide the name of the manager at the bank, and I tried calling the fraud department from the bank multiple times until now they have not resolved my issue. Ive been still calling Citibank. Its been over a year. I am still dealing with this mess. I am so tired of calling Citibank over and over trying to justify that those charges are not my charges. I do not live in Georgia so all the charges were done in Georgia and somewhere in New York, but I never use both of those credit cards. At this point, I am not sure what to do recently. I just reached out to them again. They clarified one of the credit card, but Im still stuck with my double cash credit card with Citibank. Please help me resolve this. I can provide the name of the bank the manager they submitted asset request form for me and clarifying all the issues and my frustration until now. Citibank has done nothing and I am tired of going to the bank over and over. Address of the bank is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX name of the bank manager is XXXX XXXX. I spoke to the banker their name XXXX as well. Please help me resolve this issue with my credit cards. I never had anybody use my credit card. This kind of gift card fraud never happened to me so I am not sure how to get this resolved because I am tired of calling Citibank. I speak to a few different representative. They keep transferring me to so when so, but nothing get resolved. My double cash account number XXXX so so apparently they transferred that account to a new number which does not make sense on XX/XX/XXXX. The new account number is XXXX. I was so tired of them re-issuing me new credit quotes I dont understand when I close the account. Why did they transfer my account to this new number and instead of resolving the issue they why did they transfer this to a new number and either way I need both of these Acct closed and rectify because none of those charges are My charges!! And they put me in collection for that I am very frustrated with this issue please please please help me resolve this

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