vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I went to the court house obtained an " order of refusal of letters to surviving spouse '' a court order that transfers my deceased husband assets to me, which are under {$25000.00} under Missouri State law. I presented the bank on XXXX, these papers to the bank to they refused to deposit the checks in my account. I emailed branch manager on XXXX requested to have the refusal in writing, they refused this as well. The checks total {$6600.00}.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am filing this complaint to document a pattern of stalling, deceptive communications, and negligent dispute handling by Bank of America regarding two related cases. After being a customer for seven years, I have officially closed my accounts due to these practices and am submitting this for the public database to highlight their bad-faith operations.Case 1 : Erroneous Dispute Denials and Stalling ( Complaint ID : XXXX ) Bank of America has a history of denying legitimate disputes without reviewing the evidence. Previously, I was double-charged by a merchant and alerted the bank immediately from the store. Months later, the bank denied the dispute, claiming the merchant provided separate receipts. Upon checking, I discovered the merchant had uploaded the exact same receipt twiceshowing identical transaction IDs and time stamps. The bank only resolved it after being forced to reopen the case.My current issue involves a hotel room booking where services were never rendered because I never stayed at the property. I have concrete proof of non-occupancy. Bank of America summarily denied the dispute, stating the charge was " valid. '' I never claimed the charge itself was unauthorized ; I claimed that services were not rendered. Instead of contacting the hotel to verify my non-stay, Bank of America denied the claim.I filed an internal complaint on XX/XX/XXXX. That same day, I received a text notification stating that the reopened dispute was completed. However, the bank simultaneously updated my complaint status to claim they " needed more time. '' It is highly alarming that the bank formally logged a need for an extension on XX/XX/XXXX despite already sending a final decision to my mobile device. They are actively manipulating timelines to stall.Case 2 : Obstruction of Account Closure ( Complaint ID : XXXX ) Due to these predatory practices, I attempted for weeks to close my account. Bank of America representatives and local branch staff repeatedly refused to execute the closure, forcing me to file a second internal complaint on XX/XX/XXXX. I was only able to successfully close the account after bypassing the unhelpful branches and finally reaching a competent phone representative on XXXX XXXXDespite the account being fully closed, Bank of America has sent further automated emails regarding both complaints claiming they " need more time. ''

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an unresolved tax refund check in the amount of {$1600.00} involving both Beacon Bank ( XXXX, XXXX XXXX ) and XXXX XXXX On XX/XX/year>, I deposited a tax refund check issued through XXXX after my original direct deposit was returned due to my prior bank account being closed. I was initially told by Beacon Bank that the check would take several days to clear. Shortly afterward, I was contacted by branch staff questioning the legitimacy of the check and asking where I obtained it. I was also asked whether someone instructed me to deposit the check in exchange for money, which I denied. I requested verification assistance through XXXX at that time. I was later informed by Beacon Bank that the check could not be verified and would be returned. I was also told on or around XX/XX/XXXX that the check had been sent back. However, my account activity shows a separate transaction dated XX/XX/XXXX, which appears to reflect a deposit or reprocessing of the same check. I did not redeposit the check on XX/XX/XXXX, was not present at the bank on that date, and did not have possession of the check after the original deposit. When I raised this issue, Beacon Bank corporate representatives stated that records indicated I had redeposited the check on XX/XX/XXXX. I dispute this, and I have requested documentation including transaction type, method ( teller/ATM/internal adjustment/mobile deposit ), branch location, and supporting records, but I have not been provided this information. Additionally, a Beacon Bank supervisor indicated they would like to speak with me further regarding the matter to remain unbiased, which I understood as suggesting the issue may be attributed to me, despite the lack of documentation supporting that conclusion. Beacon Bank and XXXX have XXXX conflicting explanations. The bank states the issue is due to verification problems with XXXX. XXXX states the issue is related to the banks verification or processing procedures. Neither party has provided clear confirmation of whether the check was returned, rejected, reprocessed, or remains outstanding. As of today, I do not have access to the {$1600.00}, and I have not received a clear explanation of the status or location of the funds. I am requesting a full investigation, clarification of the XX/XX/XXXX transaction, and confirmation of where the funds currently reside so the issue can be resolved and my funds released or reissued appropriately.

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 2026-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a Certificate of Deposit account with U.S. Bank online on or around XX/XX/XXXX. After the CD reached maturity, I requested to close the account and retrieve the funds. After that request, U.S. Bank placed or maintained a fraud alert / identity verification hold on the account, which has prevented me from accessing or receiving my funds. U.S. Bank requested documentation to verify my identity and clear the fraud alert. I mailed the requested documents to U.S. Banks CIS Department twice. After the first mailing, which was delivered on XX/XX/XXXX, I did not receive any response or confirmation from U.S. Bank, so I mailed the documents a second time. The documents included a signed letter and confirmation of my identity and address. The second mailing was delivered on XX/XX/XXXX. After that delivery, I called U.S. Bank to follow up. During the call, I was told that U.S. Bank had received the documentation and that the identity clearance review may take approximately two weeks. I was also told that further communication would be sent by email. It has now been more than two weeks since that follow-up call, and the issue still has not been resolved. I have complied with U.S. Banks request by mailing the required identity documentation twice. However, U.S. Bank has not provided a clear review status, a firm expected completion date, or a clear explanation of whether anything else is required from me.

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 2026-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2026 I made a payment of XXXX. Something told me like a week later to check my ally account to see if my payment posted which it didnt so I called them on XX/XX/2026 to ask why my payment wasnt posted on my account. Come to find out they posted it on another account and they told me that they were going to fix the issue to wait XXXX days. Time passes I call again on XX/XX/XXXX still the same answer which is another XXXX days at this point Im livid. So once again today on XX/XX/XXXX I call again and a lady hung up on me and stated she doesnt see a payment from XXXX just from XXXX. Which is false because I have the bank statement stating they took the money on the XXXX of XXXX so now again I have to wait another XXXX days.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I tried FOUR different websites and each one said that Wells Fargo bank is blocking my transaction to purchase an airplane ticket. I have a medical emergency snd Wells Fargo Bank is putting my life in danger. On or XXXX XXXX, 2026, I tried to purchase a round-trip ticket from XXXX to XXXX XXXX for a medical emergency. I once again tried using my Wells Fargo Bank XXXX that XXXX XXXX balance and my debit card has sufficient funds to complete the transaction. This time, I went to XXXX XXXX XXXX to buy the airplane ticket and once again, for the THIRD time, Wells Fargo Bank is INTENTIONALLY blocking my transactions!! Wells Fargo Bank action may cause me serious, irreparable harm or result in my death! I have multiple j XXXX, XXXX in both XXXX with severe XXXX in my XXXX XXXX, I have XXXX XXXX, XXXX XXXX XXXX at the back, XXXX XXXX XXXX XXXX, XXXX right knee XXXX, a CURRENT XXXX XXXX XXXX XXXX, I have XXXX, XXXX XXXX left side of XXXX XXXX body is weak Especially my left XXXX and in XXXX, the doctor installed temporary XXXX which came out is causing me great pain to TRY and eat food. Iam in desperate need of help and to stop Wells Fargo Bank from retaliating against me. This is there fourth time wells fargo bank is blocking me and I called XXXX XXXX and I was told to disregard the email because Wells Fargo Bank is blocking the transaction. I went to XXXX for dental implants and the temporary teeth broke. This is causing me severe pain especially if I try to eat. Wells Fargo Bank is putting my in danger. Wells fargo bank is blocking my debit and credit card.

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 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The continued reporting of the disputed account without producing competent, verifiable, and legally sufficient evidence of its accuracy, my ownership, and your lawful authority to report it constitutes a knowing and willful violation of the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX. XXXX ( a ). Reporting unverified information undermines the integrity of the consumer reporting system and violates non-discretionary statutory obligations.

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 2026-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This complaint is filed against XXXX XXXX XXXX and its collection agency, Radius Global Solutions, regarding an inaccurate, fraudulent collection account that was illegally re-inserted into my credit profile. In XX/XX/XXXX, I was approached by XXXX XXXX XXXX representatives inside a XXXX 's Club location in XXXX, Texas. They made a deceptive trade offer for XXXX " free '' mobile devices with a specific promotional rate. The agents explicitly stated I had a XXXX trial and return window. Upon receiving the first statement, I discovered an unauthorized billing charge of approximately {$750.00}, completely breaching the original agreement. Exercising the XXXX trial policy, I promptly cancelled the service and returned the entirety of the hardware via UPS using XXXX & XXXX XXXX provided return labels. XXXX XXXX XXXX subsequently confirmed via telephone that the equipment was received and the account balance was XXXX ( {$0.00} ). This invalid account was previously disputed and successfully deleted from my credit file years ago. However, on XX/XX/XXXX, Radius Global Solutions illegally re-inserted this collection item back into my credit profile, claiming an alleged balance of {$420.00}. This re-insertion violates the Fair Credit Reporting Act ( FCRA ) as no mandatory XXXX written Notice of Re-insertion was ever provided to me. On XX/XX/XXXX, I sent a formal Debt Validation Request to Radius Global Solutions demanding a copy of the contract, proof of hardware return status, and an itemized breakdown of the balance. The company completely failed to provide validation, ignoring my rights under the Fair Debt Collection Practices Act ( FDCPA ). This negligent and non-compliant reporting has caused an unjustifiable XXXX drop in my credit score. I request the CFPB to compel the immediate, permanent removal of this fraudulent collection account from XXXX, XXXX, and 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 2026-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I live in an old home built in XXXX and needed updating of my service wire and meter base by installing a new masthead and the electricion gave me the name of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX He submitted my application request to them while he was at my house to give me the estimate and within XXXX minutes they denied me credit. I called them and they stated they could not give me an explanation over the phone and I would have to wait XXXX to XXXX business days for a letter explaining. The letter came and it was full of lies about my financial situation and my credit. I have 100 % on time payment history and my credit is perfect!

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 2026-06-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A debt collector is reporting a collection account on my credit report that has not been properly verified. I requested validation of the debt, but no sufficient documentation was provided. Despite this, they continued reporting the account and used threatening language, including suggesting legal action and damage to my credit if I did not pay. This behavior violates my rights under the FCRA and FDCPA, as the information is inaccurate, unverified, and being used to pressure payment.

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 2026-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX. I made my payment on time for my home insurance. XXXX received my payment on time but refused to issue me coverage and cancelled my policy. This caused my coverage to lapse. Wells Fargo despite being given documentation that collaborated my issue placed force escrow for my home insurance. My loan agreement was that I did not want force escrow, but initially I was paying escrow by choice. In XXXX I canceled my escrow option and I have documention showing from XXXX to XXXX that I was not paying Wellsfargo escrow.

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 2026-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
ProCollect Incorporated contacted me on XX/XX/XXXX and left a voicemail to call XXXX XXXX. I checked my credit reports and did not see anything but I was still concerned. I returned the call on XX/XX/XXXX. I spoke with a representative who transferred me to another individual who stated that the collection was for an apartment complex and that I needed to pay it immediately. I requested written verification of debt and she said, " Ma'am, we don't do that. ". I told her that they were required by law to provide that and she said that it was already on my credit report and I could verify it there. I told her that it was not on my report. She said, " check again. it's there. ' We went back and forth a few times about requesting the verification of debt. She kept saying that they don't provide that. I requested to speak to a supervisor. She put me on hold but came back and repeated the same info over again. She eventually said that she was reporting it as a refusal to pay and would proceed with collection activity. I told her that I was not refusing to pay that I just wanted something in writing. Again, she said that they don't do that. I asked to speak with someone else regarding their policies and she referred me to their website. I told her I didn't want to go to the website that I wanted to speak with someone and she just kept repeating her script about " questions and concerns can be addressed on our website... ''. On XX/XX/XXXX, I checked my credit report again and nothing. On XX/XX/XXXX, I attempted to submit an inquiry on their website asking for verification of debt. It required an account #. I started a live chat to get that. Chat did provide me with the account # but said that my payment was due on XX/XX/XXXX and that I just needed to pay it. Once again, I said that I was not comfortable paying until I had the verification of debt. The agent responded with, " I will record this as a refusal to pay. '' I stated that I was NOT refusing to pay and that I had already submitted a complaint with the Ohio Attorney General and at that point they said to have a good day and disconnected the chat. I have requested the verification of debt via their form but I don't have high hopes of receiving 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 2026-06-24 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: AL

Complaint narrative:
I am submitting this complaint regarding the failure of Wells Fargo Dealer Services to provide the title for a vehicle that was paid in full on XX/XX/year>. Our dealership refinanced this vehicle and remitted the full payoff amount to Wells Fargo Dealer Services on XX/XX/year>. Since that date, we have made multiple attempts to obtain the title and have remained in communication with Wells Fargo representatives regarding its status. Despite more than a month having passed since the payoff was completed, we have yet to receive the title or a satisfactory explanation for the delay. Each inquiry has resulted in conflicting information, repeated transfers, or assurances that the matter is being handled, with no resolution provided. This delay has created unnecessary hardship for our dealership and has interfered with our ability to properly process the transaction and complete title work. We fulfilled our financial obligation in full and in a timely manner. We expect Wells Fargo to do the same by promptly releasing the title and providing confirmation of its delivery. We respectfully request the immediate release of the title, a written explanation for the delay, and confirmation of the actions taken to resolve this matter. Thank you for your prompt attention to this issue. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief