vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
This is a formal XXXX of XXXX under RESPA regarding my mortgage account. On XX/XX/XXXX, M & T Bank admitted in CFPB Case # XXXX that a previous servicing error caused a default on my Trial Payment Plan and committed to a " clean slate '' for future review. Despite this, my recent loss mitigation application was denied based on inaccurate information. During the application process, a representative failed to collect necessary documentation or acknowledge the banks own XX/XX/XXXX, admission. Furthermore, I dispute the claim that I am 15 months delinquent, as my status is the result of processing delays during my continuous, good-faith participation in loss mitigation since XX/XX/XXXX. I request the immediate reopening of my file, assignment of a Single Point of XXXX ( XXXX ), and an executive-level review to honor the " clean slate '' commitment. Per XXXX CFR XXXX ( g ), I demand a cessation of all foreclosure activity while this application is under review. I am working with a XXXX XXXX to ensure compliance with these regulatory requirements.

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 2026-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: MD

Complaint narrative:
My account was inaccurately flagged for bankruptcy due to my father filing. He has the same first and last name but no middle name unlike me. His social is completely dissimilar to mine and none of my accounts are on his filing. I can no longer access account details online and my credit line has been suspended. I contacted them XXXX weeks ago about this and was directed to email a separate department. There's been no response or resolution since then. Contacting Flagstar, they tell me can only communicate with this department through email, they have no phone number and can't be transferred and there's nothing their customer service can do.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
For weeks, I have been trying to open a USAA account, and the experience has been extremely frustrating and disappointing. Every single time I contact USAA, I receive the exact same response : I am asked to upload my identification again. I have submitted my government-issued ID multiple times, but nothing is ever resolved. Instead of reviewing my documents and fixing the issue, USAA keeps sending me in circles with no explanation, no timeline, and no real assistance. As a member of the XXXX XXXX, I expected USAA to provide efficient service and support to those who serve. Instead, I have experienced repeated delays, poor communication, and a complete lack of accountability. I have spent countless hours contacting customer service, only to be told to repeat the same verification process over and over again. This has caused unnecessary stress, wasted my time, and prevented me from accessing banking services that USAA advertises to military members. I am requesting that USAA immediately conduct a proper review of my case, explain why my account can not be opened, stop requesting the same documents repeatedly without action, and provide a final resolution instead of keeping my application indefinitely stalled. This level of customer service is unacceptable, especially from a financial institution that claims to support the military community.

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 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, I spent several hours on multiple calls with Wells Fargo attempting to obtain statements and transaction records for a credit card that Wells Fargo closed following fraud. After the account was closed, I lost online access to the historical statements. I was repeatedly transferred between departments, but no representative was able to provide the records or identify someone who could release them. I explained that the statements are urgently needed to complete my XXXX tax return and satisfy mortgage underwriting requirements for a home that is currently in escrow. I have a {$60000.00} nonrefundable deposit at risk. Continued delay could cause me to lose both the deposit and the specific family home under contract. I requested immediate electronic delivery of the monthly statements and complete transaction history through secure message, encrypted email, fax, or another expedited method. Wells Fargo did not provide the requested information and advised that its complaint response could take approximately 10 days, which may be too late for my transaction. Wells Fargo opened complaint XXXX, but the records remain unavailable. I am not asking Wells Fargo to complete the fraud investigation immediately. I am requesting prompt access to existing account records that I am entitled to review and need for a time-sensitive tax and mortgage matter. I am requesting that Wells Fargo immediately provide the requested statements and transaction history electronically, confirm the delivery date and method, and assign someone with authority to resolve the records-access issue without further transfers. I also request written confirmation that Wells Fargo has documented the imminent risk to my {$60000.00} deposit and pending family-home purchase.

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, just after XXXX, I received a phone call from a number with the caller ID " Truist '' ( XXXX ). I ignored the call at first, but they called back right away. When I picked up the phone they began telling me that someone had committed fraud on my account through XXXX. They claimed that 3 different transactions had been made and that by following their instructions they could help me to cancel them. They provided some information about myself to gain my trust. They convinced me that I should open XXXX and enter in a dollar amount, along with a code they provided to me ( which I believe now was just a phone number. the number is XXXX ), to send a transaction cancellation. I was foolish enough to trust them, and sent them a XXXX for {$1200.00} to someone named XXXX XXXX, who they claimed was a manager of the Truist fraud department. This transaction did not have my authorization. I was manipulated into thinking the person I was talking to was from my bank and would not have sent it otherwise. After the money was sent, they hung up on me. Immediately, after realizing my mistake, I called the Truist fraud number to report the incident. I submitted a dispute on the transaction and provided a written account of what happened. In the following days, however, Truist denied my claim, stating that the payment was sent with my authorization. This does not align with XXXX 's policies surrounding imposter scams. Certain scam incidents are eligible for reimbursement if the perpetrator posed as the victim 's bank or financial institution, which they did. I believe that Truist 's decision to deny my claim is unjustified and am doing all I can to be reimbursed for the crime that was committed against me. Additionally, I have also submitted a police report about this situation to the local authorities ( XXXX XXXX Police ) as well as an additional report to the FTC. These reports were both submitted within hours after the scam phone call occurred. I am taking all the steps I can to make sure I am documenting the situation and reporting to the correct authorities. I want to repeat that this was an unauthorized electronic fund transfer under the Electronic Fund Transfer Act. Here are the reference numbers for the reports I mentioned. XXXX XXXX Police Report tracking number : XXXX FTC report number : 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 2026-07-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I logged into the Citi app. I received a notice there is an urgent security notification and to call Citi immediately. I called Citi. I was on hold for more than ten minutes. The agent said she could not verify my phone number ( which is the same number linked to my account since inception more than ten years ago ). I asked to speak to a supervisor, as there was a notification of an urgent security update that she would not provide. She hung up on me. I called back. I waited on hold for more than 15 minutes this time. The representative asked for me to provide the full card number of a credit card not associated with Citi bank. I have never been asked to provide this before and it sounds like a severe security breach for them to ask for the same. This is the number I called - 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 2026-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My mortgage servicer, Onity Mortgage Corporation, improperly denied a payment deferral that was previously approved by XXXXXXXX XXXX and offered again by Onity on XX/XX/year>. I submitted the required deferral form on XX/XX/year>. Onity denied the deferral based on loan modification trial payments, even though modification was optional and deferral required no trial payments. Onity has refused to accept regular payments since XX/XX/year>, refused to provide required documentation, and failed to evaluate loss mitigation options according to Regulation X.

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 2026-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB Complaint Against Wells Fargo Auto Issue : Poor Customer Service/ Failure to Provide Meaningful Assistance / Misleading Communication On XX/XX/year>, I received a secure message through the Wells Fargo secure portal with the subject line Action needed : Please call Wells Fargo Auto. The message referenced Case Number : XXXX and specifically instructed me to call XXXX because Wells Fargo stated they needed to speak with me directly regarding my request for information. I followed Wells Fargos instructions exactly and called the number provided in the secure message. However, instead of receiving assistance, I was met with an unhelpful response. The representative informed me that because I did not have a Wells Fargo Auto account, they could not locate the case number or provide any information regarding the secure message that Wells Fargo itself had sent to me. This experience was both frustrating and unacceptable. Wells Fargo initiated contact with me, generated a case number, instructed me to call, and then failed to provide its own employees with the ability or willingness to access or identify the case. Rather than helping resolve the issue, I received pushback and was effectively told that nothing could be done because I supposedly did not have an account. If Wells Fargo sends a secure communication directing a consumer to call regarding a specific case number, then its representatives should have the necessary tools, training, and authority to locate that case and assist the consumer. Sending consumers through a secure portal only to deny assistance when they call creates unnecessary confusion, wastes consumers time, and reflects poor internal communication and customer service practices. I believe Wells Fargos handling of this matter was misleading because the secure message gave the impression that calling the listed number would result in assistance regarding the referenced case. Instead, I was unable to obtain any information whatsoever. The representatives response left me without any explanation as to why the secure message was sent or what action, if any, Wells Fargo expected me to take.

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 2026-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I moved my life savings to Citi for the Citigold benefits. https : //www.citi.com/banking/citigold-private-client I was supposed to be enrolled in Citigold immediately upon account opening when I signed up via the specified line ( XXXX ) on XX/XX/XXXX, per their terms : " Customers who did not own a Citibank checking , savings, CD, IRA, or investment account ( investment accounts are offered through Citigroup Global Markets , Inc. ) in the 30 days prior to opening a new deposit account ( New to Relationship customers ) may choose their Relationship Tier when opening a deposit account. If you are a New to Relationship customer, you will begin to enjoy benefits of Citi Relationship Tiers UPON ACCOUNT OPENING. '' ( emphasis mine ) Despite calling the designated line listed on the site for IMMEDIATE enrollment, I was not enrolled, and told that was impossible to fix after the account was opened. So I then waited through all of XXXX and XXXX to be enrolled in XXXX starting XX/XX/XXXX. I was promptly enrolled at that point, but yet still none of the promised benefits were available. Reaching out, I was then told I needed to wait for my new XXXX ' debit card to be shipped. That took 10 days to arrive - during which I WAS COMPLETELY LOCKED OUT OF MY CITI ACCOUNTS! I finally get the debit card XX/XX/XXXX and regained access to my account, and again none of the promised benefits are available. Specifically the subscription rebates, but also the credit card fee reimbursement. I've asked XXXX XXXX XXXX a half dozen times when these benefits kick in, and emailed XXXX A XXXX XXXX 5 times with no response at all. All that to say, I've 47 DAYS for benefits that are advertised as available " upon account opening '' with continually moving golposts on availability ( immediately > " when funds transfer '' > " on XX/XX/XXXX '' XXXX " when debit card arrives '' >??? ) with no end in sight. The advertising is completely misleading, and every month that passes I miss out on significant financial benefits ( annual {$400.00} subscription benefits + {$590.00} credit card fee reimbursement = {$990.00} in annual value, {$82.00} / month, {$120.00} in foregone value through 47 days and counting, will be {$170.00} by the end of XXXX ). Please force them to 1 ) reimbursement me for unfulfilled benefits, 2 ) provide promised benefits moving forward. And for the benefit of future consumers, 3 ) either advertise honestly regarding the timeline, or live up to their quoted timeline ( " upon account opening '' ). Thank you.

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 2026-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I think with Citi Bank, I had several checks deposited remotely into my bank account from an unknown party that states from the images that I received from Citi Bank when I refilled the dispute from the state of New York Department of tax and finance income tax special refund account, Ive never worked in the state of New York Ive never filed taxes in the state of New York. I dont even live in the state of New York XXXX I live in XXXX California. Several checks were deposited into my account from my account was then transferred into my Apple Pay account and then from my Apple Pay account they were transferred out to another Apple Pay account which I have not notifications no emails no nothing in regards to deposited into my accounts to transactions associated with my account I filed a dispute in regards to fraudulent activity. Citi Bank then stated that the transactions were consistent with transactions associated with my bank account and that I was in possession of my debit card, which then is the reason why they believe all the transactions were completed by me which it wasnt at that point in time when the situation happened I was actually in Arizona on vacation with my family. I then filed a appeal letter for a couple of the transactions and yet have heard any information back in regards to that as well.

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 2026-07-15 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: NH

Complaint narrative:
I used my Citi credit card on XX/XX/XXXX to make an online hotel reservation in XXXX through XXXX. When I attempted to do this on line, I received an immediate text message from Citi that stated " Free Msg Citi Card XXXX. We declined {$670.00} at RESERVATION * T on XXXX. '' The text message went on to ask if it was me. Then Citi sent a text that says " To complete this transaction, please retry your purchase on card XXXX. '' I went back on line and made a new reservation, this time directly with the hotel and for a different amount. ( The hotel website offered the sasme room fro {$200.00} less than via XXXX. So, I responded to Citi 's text by writing " Yes '' ( becuse it was me ) and " I made a new reservation but it is for {$420.00}. I, and every person I have shown the Citi text messages to, understands the original Citi text to me to unequivocally mean my original {$670.00} purchase was denied and I had to retry to make the hotel reservation. When I later looked at my credit card charges on line, I saw that Citi charged me for both reservations. Citi then texted me to call the Fraud Department. I called Citi immediately and I also completed their Complaint process and even the appeal of their decision to deny my dispute. I sent them the copies of the text messages and explained the issue was never one of fraud. I explained I was using my own card but only made a second attempt to book the hotel reservation because CITI very specifically texted me to say they declined the first charge of {$670.00} ...... '' I was obviously following Citi 's instructions. I did not retry the same purchase. I made a new purchase in a completely different amount. And on the hotel website, not with XXXX. In denying my claim, Citi states I must " provide : Proof you cancelled in accordance with the merchant 's terms and conditions. '' Their response does not even apply to the basis for the dispute - I stated to them in my original complaint and in my appeal that it was not a case of fraud and that I had disputed the first charge because Citi told me the charge was declined. I never retried the {$670.00} charge. I made a completely different charge for the hotel room in the amount of {$420.00}. My Dispute # with Citi is : XXXX. I would greatly appreciate someone from your office speaking with a person from Citi and trying to help them understand the underlying issue. It is not fraud. It is not failure to follow any cancellation terms or conditions. It is a case of following Citi 's texted instructions to me. Thank you very much.

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