vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Veros Credit, LLC
State: FL

Complaint narrative:
* * Complaint Regarding Failure to Report Accurate Vehicle Loan Information * * I am filing this complaint against XXXXVEROS CREDIT LLC for failing to accurately and completely report my vehicle loan account to the nationwide consumer reporting agencies. My vehicle loan was opened on * * XX/XX/year> * *, and the last XXXX digits of my account number are * * XXXX * *. Despite the account being active, XXXXVEROS CREDIT LLC has failed to furnish any account tradeline information to the consumer reporting agencies. Specifically, the company has failed to report : * The account opening date ( XX/XX/year> ). * The account balance. * The payment history. * The monthly payment status. * The current account status. * The account closed date * Any other required account information that accurately reflects my loan. Currently, the only information appearing on my credit reports is a hard inquiry from XXXXEROS CREDIT LLC dated XX/XX/year>. The actual loan account itself is not being reported to any of the nationwide consumer reporting agencies. As a result, my credit reports do not accurately reflect my credit history or my payment performance. I believe this incomplete reporting is inconsistent with the obligations of furnishers under the Fair Credit Reporting Act ( FCRA ), which requires information furnished to consumer reporting agencies to be accurate and complete. Company information : * * * Company : * * XXXXVEROS CREDIT LLC * * * Business Type : * * Auto Financing Company * * * Account Opened : * * XX/XX/year> * * * Account Number : * * Ending in XXXX * * * Address : * * XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX * * * Phone : * * ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and require XXXXVEROS CREDIT LLC to XXXX XXXX XXXX Investigate why my vehicle loan has not been reported to any nationwide consumer reporting agency. XXXX. Furnish complete and accurate account information to all applicable consumer reporting agencies, including the correct account opening date, payment history, balance, payment status, and all other required tradeline information. XXXX. Correct any omissions or inaccuracies promptly and ensure future reporting complies with the Fair Credit Reporting Act. I have made payments on this loan and want my credit reports to accurately reflect my credit history. I appreciate the CFPB 's assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It happened on XX/XX/year> approximately XXXX XXXX. {$3500.00} dollars was taken out of my account due with unauthorized authority. I was in a parking lot of a XXXX XXXX XXXX and was scammed into paying this person {$3500.00} dollars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Issue : PMI cancellation delay, misapplied payment, and false claim of unpaid BPO fee. I initiated the cancellation of my PMI in accordance with the servicer 's requirements. I submitted the PMI cancellation request and paid the required {$150.00} BPO fee. Newrez issued a notice on XX/XX/year>, stating they could not process my PMI cancellation because the BPO fee had not been received. This is incorrect. I paid the {$150.00} BPO fee by check ( # XXXX ), which Newrez cashed on XX/XX/year>. If you notice, the memo line from my check clearly states for valuation, and the endorsement confirms deposit into their lockbox account. I provided Newrez with a copy of the cleared check and my original PMI cancellation request, yet they continue to claim the fee was not received. This is part of a multiyear pattern of errors, including delayed payment postings, misapplied payments, inaccurate notices, and repeated failures to correct their own mistakes without intervention. I am requesting that the CFPB require Newrez to : * * Correct my account to reflect the BPO fee payment ; * * Process my PMI cancellation request without further delay; * * Provide written confirmation of the correction ; and * * Address the ongoing pattern of paymenthandling errors affecting my account for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I received an email from Wells Fargo notifying me that my checking account would be closed because a fraudulent check in the amount of {$15000.00} was deposited into my account on XX/XX/year>. I did not authorize, deposit, or endorse this check, and I immediately disputed the activity after becoming aware of it. As a victim of fraud, I am extremely concerned that Wells Fargo chose to close my account rather than work with me to resolve the unauthorized activity. Because of this decision, I have lost access to the funds that legitimately belong to me, and my direct deposits and other automatic payments are now at risk of being rejected. This has created significant financial hardship and has affected my ability to pay my bills and meet my financial obligations. I am requesting that Wells Fargo conduct a thorough investigation into the fraudulent deposit, provide me with a clear explanation of why my account is being closed despite my being the victim of unauthorized activity, and ensure that I receive access to my legitimate funds. If the account closure proceeds, I request that Wells Fargo promptly release any funds that rightfully belong to me and provide written documentation of the investigation and the basis for its decision. I am filing this complaint because I believe I have been unfairly impacted by fraudulent activity that I did not authorize, and I am seeking a fair and timely 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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
XX/XX/XXXX took out a personal loan with US Bank and was charged a much higher rate due to XXXX and geographical location my credit was good but was treated unfairly now the loan is in jeopardy and I am receiving unnecessary phone calls XXXX days a week and was threatened to have my credit damaged which actually occurred XXXX months in a row this overt behavior is a violation of ECOA of 1974, which requires a formal investigation with the CFPB by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint concerning collection accounts that have been reported on my credit report but do not belong to me. As someone who regularly monitors my credit history, I was surprised to discover these accounts, as I have no knowledge of them and have never authorized or entered into any agreement related to them. The presence of inaccurate information on my credit file is concerning and may negatively impact my financial standing. I respectfully request a thorough investigation into these accounts and ask that any information found to be inaccurate or unverifiable be corrected or removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We were in XXXX XXXX and i dont speak XXXX. The friends with XXXX hailed a taxi and this turned out to be a fraudster. I learned later on that this problem is rampant ( After the fact ). The fraudster had a taxi like meter and a credit card processing machine in the vehicle. He said his company only took credit card. My credit card from citi was denied according to him but when i got back to the hotel there was a charge of {$490.00} totally un authorized. I called the bank disputed the charge and cancelled my credit card and asked for a replacement. A very rude person from the fraud department called and asked me close ended questions regarding my claim. I still am not sure what the charge was for where it occured and why or whether it was done later. The card company denied my claim and said it was my responsibility. As far as i am concerned the fraudster used equipment that read my card and chip and was part of the credit card industry echo system. Its like being held at XXXX XXXX and the thief does not want your cash but your credit card to process on his equipment to steal unauthorized or fraudulent charges.i dont have the credit card number as it has been replaced and the old one destroyed The credit card phone 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 monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Consumer Statement Regarding Synchrony Bank Account Closures Following Identity Theft I am submitting this complaint regarding Synchrony Banks handling of my accounts after I became a victim of an online scam. I clicked a fraudulent URL link, and as a result, a scammer gained access to my available credit and made unauthorized transactions. I immediately took corrective action, including disputing all unfamiliar charges, providing documentation, purchasing monitoring services, reviewing all accounts, and opening new financial accounts to protect myself. Despite my prompt response and my long history as a loyal customer with an excellent payment record, Synchrony has taken adverse actions against me. Synchrony informed me that they are using a scoring system to determine account closures, and they have begun closing my accounts XXXX by XXXX without considering the extenuating circumstances of the identity theft incident. I have maintained perfect payment history on all Synchrony accounts, some of which I have held since XXXX. Nevertheless, Synchrony has closed multiple accounts, including my XXXX card, which had a XXXX balance and an excellent payment record. This closure occurred immediately after I closed my XXXX gas card, further indicating a pattern of sequential account terminations. I have already closed several Synchrony Financial accounts due to their lack of support and failure to consider my documented identity theft situation I have already closed several Synchrony Financial accounts and have lost confidence in their ability to protect consumers. Synchrony stated they are using a scoring system to determine which accounts to close, and they have begun closing my accounts XXXX by XXXX. There are clear extenuating circumstances related to the scam incident. I clicked a link I should not have, and the scammer obtained personal information. In response, I purchased monitoring services, reviewed all my accounts, disputed every unfamiliar charge, and opened new financial accounts to protect myself. Despite my proactive steps and excellent payment history, Synchrony has now closed my XXXX XXXX, which had a XXXX balance and a perfect payment record. This is especially concerning because they closed the XXXX account immediately after I closed my XXXX gas card. As stated previously, Synchrony appears to be closing all of my credit cards with them XXXX by XXXX, even though every account reflects an excellent payment historysome dating back to 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 2026-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX Lakeview Loan Servicing , LLC regarding an unresolved mortgage servicing error involving incorrect insurance/escrow line items and an inflated monthly mortgage payment. On XX/XX/year>, I contacted the servicer because my monthly mortgage payment was too high. I was told that the wrong insurance had been placed or reflected on my account. As of XX/XX/year>, the issue has still not been corrected. On XX/XX/year>, I paid the inflated mortgage payment amount to avoid delinquency or negative consequences, but I dispute the overpayment caused by the servicers insurance/escrow error. The servicers most recent written response stated that they are waiting for the insurance line items to be updated and that the insurance department is still in the process of reviewing the insurance lines. This confirms that the unresolved issue is with the insurance/escrow line items, not my payment. I am requesting that the company immediately correct the insurance/escrow records, complete a corrected escrow analysis, restore the correct monthly payment amount, remove any improper insurance charges, fees, escrow shortages, or related charges, credit or refund the XX/XX/XXXX overpayment, and confirm in writing that my account will not be treated as delinquent or reported negatively because of this disputed servicing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
This complaint involves severe database mismanagement, a failure to reconcile an escrow account, and an artificial payment delinquency manufactured by a joint-servicing network ( Master Servicer and Sub-Servicers ) .On XX/XX/year>, the Master Servicer formally adjusted the escrow tracking lines on this mortgage account to reflect a verified, state-granted XXXX XXXX Veteran Homestead Exemption, permanently setting the county and municipal real property tax liability to a {$0.00} baseline. Following this adjustments, a verified escrow surplus of {$550.00} was identified. Despite this master ledger adjustment, the integrated sub-servicing platform repeatedly failed to synchronize its databases. Between XX/XX/XXXX and XX/XX/year>, the sub-servicer generated multiple conflicting tracking cases, going so far as to issue a notice claiming the account was completely " unlocatable '' in their system. Physical delivery of the state tax exemption adjudication, certified deed records, and official notification documents was executed via Certified Mail and successfully received by the sub-servicer 's corporate mailrooms on XX/XX/year>. Instead of executing a mandatory escrow reconciliation to zero out the tax allocations, the servicing network escalated its non-compliance. On XX/XX/year>, the master servicer issued a monthly billing statement that artificially inflated the monthly installment from the standard {$1300.00} up to {$1500.00} by tacking on an illegitimate escrow premium buffer.When the regular monthly payment of {$1300.00} was remitted in full, the servicer refused to credit the account for the month. Instead, they placed the full {$1300.00} payment into an " unapplied funds '' suspense account, demanding an additional {$210.00} premium under threat of delinquency. On XX/XX/year>, a formal Qualified Written Request ( QWR ) and Notice of Error pursuant to 12 C.F.R. 1024.35 and 1024.36 was served via Certified Mail to the legal compliance divisions of both entities, placing them on notice of active Real Estate Settlement Procedures Act ( RESPA ) and Fair Debt Collection Practices Act ( FDCPA ) 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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank, ( XXXX XXXX ) THEY DONT care AT ALL! I called to get my payoff amount and because of a language barrier I thought she said a XXXX instead of a XXXX for the last digit of my total balance. This prompted me to pay 99.96 % of the loan off and I was short {$4.00}. I called their customer service and asked for the recording to be reviewed. The bank is not willingly admitting there was a language barrier despite I made it very clear in my conversation with the agent that day and made her repeat herself and expressed concern. Due to this situation, my card was then assessed all the interest over XXXX years. They will not reason with me, I made every payment on time always thought the loan and in good faith asked them to review. We are a Veteran Family living on a fixed income. I made the {$4.00} payment the day after my due date. They are unwilling to overturn the interest despite me asking for a good faith request and I whole heartedly believe that if the right person sees this they will understand the full situation. Please help us!

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 2026-07-07 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: RI

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX, Apt XXXX XXXX, RI, XXXX XXXX XXXX Date : [ XXXX. XXXX. 2026 IC System, XXXX. Attn : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of XXXX XXXX XXXX XXXX for XXXX and Deletion Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) To Whom It May Concern : I am submitting this formal dispute regarding the collection account your company is reporting on my consumer credit reports concerning an alleged RI Energy obligation. I dispute the accuracy of this account and do not believe it has been properly verified. Despite my previous dispute, the account continues to be reported. I am requesting that IC System conduct a reasonable investigation and provide competent evidence demonstrating that the information being furnished is complete, accurate, and supported by appropriate documentation. Pursuant to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. Likewise, information furnished for inclusion in consumer reports should be accurate, complete, and capable of verification. Accordingly, I request that IC System produce documentation sufficient to substantiate the reporting of this account, including, but not limited to : Documentation establishing that I am legally responsible for the alleged debt. Records supporting the amount claimed to be owed. Documentation identifying the dates of service or account activity. Evidence demonstrating that the information currently being furnished to the consumer reporting agencies is accurate, complete, and verifiable. If IC System is unable to provide competent documentation substantiating the accuracy and completeness of this account, I respectfully request that the collection account be permanently deleted from all consumer reporting agencies to ensure compliance with the Fair Credit Reporting Act. I further request that the Consumer Financial Protection Bureau review this matter to determine whether the reporting of this account complies with the requirements of federal law. Should the account be determined to be inaccurate, incomplete, or incapable of verification, I request that it be removed from my consumer credit reports without delay. Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this complaint. Best Regards, 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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I accidentally overpaid the balance due by a considerable sum, thinking that it was a different credit card. I noticed my error and contacted CitiCards on XX/XX/XXXX. They acknowledged by overpayment and stated that funds would be transferred back XXXX business days. It has taken my XXXX subsequent phone calls with various supervisors at CitiCards and I still have not received the overpayment back. It is now XXXX weeks. I keep getting excuses, but they acknowledge that my funds are still not returned. This would be considered theft in any other setting, yet CitiCards gets away with 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