vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I opened a new Wells Fargo checking account in person at a Wells Fargo branch after receiving an email for the {$120.00} Starter Bonus promotion. I still have the promotional email and the bonus code. At the branch, I provided the promotional code to the Wells Fargo employee, and I was told that the code had been entered and applied to my account. I opened the account specifically because of this promotional offer. After opening the account, I completed all of the required terms of the promotion by making more than XXXX qualifying posted transactions within XXXX days, as required by the offer. According to the promotion, eligible customers who complete the requirements should receive the {$120.00} bonus within XXXX days after the qualification period. After several months passed without receiving the bonus, I contacted Wells Fargo multiple times. During my first call, I was told that an investigation would be opened and that I should expect a response within XXXX to XXXX business days. After waiting approximately XXXX weeks and calling again, I was informed that no investigation had actually been opened. During a later call, another representative opened a complaint and provided me with an investigation number. However, after following up again, I was told that Wells Fargo would not honor the promotion because the promotional code had never been entered into the system. I relied on the Wells Fargo employees statement that the code had been entered when I opened the account in person. I fulfilled all requirements in good faith and would not have opened the account had I known that the promotional code had not been properly applied. XXXX XXXX failure to properly process the promotional code and the inconsistent information provided by its representatives have caused unnecessary inconvenience and resulted in the denial of the promised {$120.00} bonus. What would you like the company to do? I request that Wells Fargo honor the {$120.00} promotional bonus because I provided the bonus code at the time I opened the account and completed all of the required conditions. I also request that Wells Fargo review the handling of my previous complaints and correct any errors that occurred during the account-opening process.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I placed an order with XXXX and they put {$89.00} on hold then XXXX hours later they updated the total to make it XXXX and that was more than XXXX days ago and Citibank fraudulently is not updating the total its more than XXXX days. The whole needs to be released and Citibank does this all the time because they hold money illegally because of all the interest they are off of it and its illegal and I want you to start a class action lawsuit against them because as you can see below, theres no reason why this hasnt been updated except for that. They choose to do it so they can hold onto peoples money and earn an interest in. Its illegal, and I want to start a class action lawsuit against them!

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: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am a Federal Law Enforcement XXXX and XXXX XXXX XXXX attempting to execute a VA XXXX XXXX on a Freedom Mortgage ( NMLS ID : XXXX ) Loan for a property in Virginia. Freedom Mortgage is engaging in bad-faith processing delays, manufacturing underwriting conditions to stall the file, and committing severe violations of the XXXX Safeguards XXXX. XXXX XXXX Delays : I submitted a complete assumption package. However, Freedom XXXX retail processing department is repeatedly refusing to submit the file to underwriting, demanding documents that either already exist in their possession or are logically impossible to produce. For example, on XX/XX/XXXX, they refused to proceed unless I provided an addendum for a " {$210000.00} XXXX XXXX XXXX. '' The contract clearly states the XXXX is {$20000.00} ; the underwriter misread the " cash due at closing '' line. Furthermore, they are demanding a " XXXX XXXX XXXX '' despite me simultaneously signing and submitting an " XXXX XXXX XXXX. '' They are holding a federally backed VA assumption XXXX over front-line illiteracy. XXXX & XXXX Rule Violations : On XX/XX/year>, I submitted a formal " Privacy Revocation & Data Restriction Notice. '' The XXXX statutory response window expired on XX/XX/year>, with XXXX compliance confirmation. Instead, Freedom Mortgage transmitted my sensitive military employment records and financial PII to a third-party offshore business process outsourcing ( XXXX ) vendor called " XXXX, '' which utilizes an AI-data ingestion platform. Transmitting the PII of a federal agent to an offshore AI vendor during an active XXXX opt-out constitutes a severe failure of Freedom Mortgage 's third-party Vendor Risk Management obligations. I have repeatedly instructed them to cancel the XXXX request and process this domestically, which they have ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including XXXX XXXX XXXX and other existing breaches. Fraudulent accounts and inaccurate reporting accounts were wrongfully placed on my credit file. These items are not mine and must be deleted. Under FCRA 604 15 USC 1681b inquiries require permissible purpose. FCRA 605B 15 USC 1681c-2 requires blocking identity theft data within XXXX business days. FCRA 611 15 USC 1681i requires blocking disputed identity theft data. FCRA 623a6 15 USC 1681s-2 prohibits furnishers from reporting identity theft accounts. I demand immediate blocking and permanent deletion of all fraudulent accounts and inquiries and cessation of reporting to third parties. Failure to comply violates FCRA 616-617 15 USC 1681n 1681o. Account name : THE HOME DEPOT 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I use to have a checking and savings accounts with XXXX XXXX XXXX about XXXX years ago. I moved to XXXX and closed my accounts with XXXX XXXX XXXX I just recently moved back to the XXXX XXXX. So when I was doing my taxes, on the XXXX website I saw that I received a XXXX from XXXX XXXX XXXX showing interest income of {$47.00} and the last XXXX of the account number XXXX. So I called the XXXXXXXX XXXX XXXX customer service number and explained my salutation That I use to have an account with XXXX XXXX XXXX years and before I moved to XXXX I closed my accounts. Now I moved back to the united states and was doing my taxes I have a XXXX from XXXX XXXX XXXX and I wanted to know that do I still have a account opened and if so want to close. The representative asked me for my mobile number to send a XXXX time code for verification but I had to remind her that I do not have my old mobile number or email associated with the past accounts. I told her I can tell her what the old number and email was which is XXXX and XXXX. Then she told me that I had to step into a branch. I told her I live in XXXX XXXX XXXX and the closest branch is in XXXX XXXX which is a XXXX XXXX XXXX XXXX drive away, I told her that I dont want to drive all the way there for them to just to let me know that i dont have any accounts opened. I just want to know if i do have an open account then okey i will drive up to branch and close my account. She said that is the only way. This is unheard of what kind of bank cant verify me. Why cant i just send my Drivers license or what ever government issued ID to prove my identity instead of driving that far. If I can open and account with them online which I did and sent them my government issued ID to open my accounts, then i would assume i could do the same with the issue im having right now.

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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened an account with Wells Fargo. It was a clear access checking account with them. Apparently because I had filed claims over XXXX years ago with them and they closed my account. Then this new account was closed because I'm a risk to them which makes no sense because I have other Banks that I've never had a problem with.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding a Navy Federal Credit Union credit card solicitation that I believe may not have adequately disclosed the factors used to determine pricing and credit limits. I received a preselected solicitation for the Navy Federal Platinum credit card that prominently promoted a 0.99 % balance transfer offer. The application materials indicated that XXXX would be based on information contained in my credit report. Based on that representation, I reasonably believed that traditional creditworthiness factors would be the primary determinants of pricing and approval terms. My credit profile includes : * Approximately XXXX XXXX XXXX * Approximately {$370000.00} annual income * Low debt-to-income ratio * Strong credit history * Typical unsecured credit approvals in the {$25000.00} to {$50000.00} range After applying, I was approved for only a {$7200.00} credit limit and assigned an XXXX near the highest end of the disclosed range. More concerning, after the account was approved, Navy Federal provided a pricing notice stating that key factors adversely affecting my Navy Federal XXXX XXXX included : * XXXX XXXX status with Navy Federal XXXX XXXX XXXX Navy Federal membership * Balance status of Navy FederaXXXX accounts * Historical utilization of Navy Federal revolving accounts These factors were not disclosed to me before I applied. As a new applicant responding to a solicitation, I had no practical ability to establish membership tenure, direct deposit history, or prior Navy Federal account utilization before submitting the application. My concern is not simply that I received a lower credit limit than expected. Rather, it is that the application materials stated that XXXX was based on information contained in my credit report, while the subsequent pricing notice indicates that internal relationship factors materially affected pricing and underwriting. The card was marketed primarily as a balance transfer product. With a credit limit of only {$7200.00}, the practical value of the advertised balance transfer promotion is significantly diminished. I do not intend to carry balances at the cards assigned XXXX, so the XXXX itself is not my primary concern. My concern is whether consumers are being given a complete and accurate understanding of how approval terms are determined before they agree to a hard credit inquiry. I respectfully request that the CFPB review whether Navy Federal adequately discloses the role of internal relationship metrics in connection with preselected credit offers and whether consumers are being provided clear and accurate information regarding the factors that may materially affect XXXX, pricing, and credit limits.

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: 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: SC

Complaint narrative:
XXXX months ago, I enrolled this credit card account into an official XXXX XXXX XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX ( XXXX ). Bank of America formally accepted the proposal from XXXX. At the exact time of initiation, I made my first payment directly to XXXX. To ensure the account was fully protected, I also made an additional payment directly to Bank of America. I have continued to make all subsequent monthly payments on time.Bank of Americas XXXX XXXX clearly acknowledged this agreement, as my credit report now explicitly displays the notation that the account is " Managed by XXXX. " Despite accepting the plan, acknowledging it on my report, and receiving multiple paymentsincluding a payment made directly to BOA and ongoing payments through XXXXBank of America 's billing department continues to report the account to the credit bureaus as late/delinquent.When I contacted Bank of America to request verification and documentation regarding this reporting error, customer service refused to provide it, stating that it was an issue for XXXX to XXXX. As the furnisher of this data under the Fair Credit Reporting Act ( FCRA ), Bank of America is legally responsible for reporting accurate account statuses and can not pass accountability to a third-party management company.I have already submitted direct disputes to the credit reporting agencies. I am requesting that Bank of America immediately stop these erroneous late filings, manually update my historical status for these past XXXX months to " Current/Paid as Agreed, '' and correct the data they are furnishing to the bureaus to accurately reflect the active payment plan they accepted.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a scam that has resulted in significant financial loss and an overdraft on my bank account. I recently applied for loans online and was contacted by an individual named XXXX XXXX, who claimed to represent XXXX. He informed me that I had been approved for a loan and instructed me to speak with his manager, XXXX. XXXX explained that my credit score was too low to qualify for the loan and that, in order to receive the funds, they needed to " boost '' my credit first. He assured me that this process was legal. He verified my bank account information and then deposited {$1900.00} into my account. Following his instructions, I transferred {$1000.00} back to him, believing that this transaction would reflect as a payment to improve my credit. Later that same day, he repeated the process, and I transferred the remaining funds as instructed. I have now been informed by my bank that the {$1900.00} deposit was returned, leaving my account with an overdraft balance of approximately {$1200.00}. Unfortunately, my recent paycheck was deposited into the account and has now been consumed by this negative balance. I was deceived into making these transactions under false pretenses. Although I voluntarily moved the funds, I did so because I genuinely believed I was participating in a legitimate loan approval process. I respectfully request assistance in investigating this fraud and determining whether there are any options available to recover my funds or provide relief from the resulting overdraft. At this time, I feel that I have been victimized twicefirst by the scammers and now by the financial hardship caused by this fraudulent activity. I have any available records, including phone numbers, emails, text messages, and transaction details, and I am willing to provide them to assist with the investigation. Thank you for your time and consideration. I appreciate any help and guidance you can provide.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I have provided a police report for the following complaint # XXXX as requested by the debt collectors to clear up the confusion regarding said debt and have it removed from my credit history. It appears this matter is being reported to your office by XXXX different debt collectors are reporting the same debt which should be removed by now further the more any and all debts should be removed by your office due to the fact they have not complied by sending in empty attachments and therefore should be removed by your office immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
on XX/XX/year> my kia forte leased car was totaled by a out of control driver. both insurance companies agreed the driver who toyaled my car was 100 % liable. my company XXXX paid for the totaled vehicle in full and incluede the state taxes as required by law. However the state taxes were already included in the Acutal Cash value and reprersented an overcharge of state taxes thAT ARE NOT REQUIRED FOR A TOTALED VEHCILE. The leaseing company refused to return these taxes of {$1800.00} ( which represent a double charge ) to me even though i gove them a full explanation of how they were not entitled to duplicate state taxes. In addition the insurance company over paid the ACV of the vehicle by XXXX. That left a credit baLance on my ACCOUNT AND XXXX refused to return this credit bALance to me I send a demand letter to XXXX and THEY REsponded THAT i WSNT gon na GET XXXX XXXX XXXX FROM THEM .. This is the 2nd time that XXXX has tried to cheat me out of funds that were due me and not due to them. HELP!!!!!

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I opened a business checking account at Wells Fargo using the in mail XXXX XXXX based offer for {$820.00} to open a new account and then depositing {$25000.00} in XXXX days since opening. the {$820.00} was supposed to be deposited in the account after XXXX months completion. On XXXX XXXX I deposited XXXX dollars as well. However now that I called Wells fargo, XXXX customer service ( XXXX ) mentioned that there is no offer code on your account. After going through with her for XXXX hour on the call she just dropped me on the call. So I called back again. This time I connected with another service representative named XXXX. She confirmed that there is a offer code but she said that the status says that the account is ineligible XXXX expired. I asked her more explanation she said she can't give me that. I asked her can you at least tell me whats the offer code. She said she can not relay that information. At this point I think the {$820.00} offer was a dishonext offer from Wells Fargo.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My loan was transferred from XXXX XXXX to this new company " Newrez ''. On XX/XX/year> I called this new company to get information to send them aXX/XX/XXXX payment. I was told by the representative at Newrez to use... All capital letters : NEWREZMORTGAGE / Zip CXX/XX/XXXXe : XXXX After coming home on XX/XX/year> and checking my mailbox was a statement from Newrez. After opening, I was put into complete shock and my heart sank. Due to some hardships, my loan payment fell behind and according to Newrez statement my loan was presently XX/XX/XXXX days past due. My payments are XXXX per month. Well, the statement showed by XX/XX/year> I owe : {$11.00}, XXXX I left home and went to XXXX to do the XX/XX/XXXXpayment. Went in and the transaction was successful ( no problem getting the payment processed of {$950.00} ). Which means, after this payment, my loan would be approximately XX/XX/XXXX days past due. I was left to feel this pain all night and agony!!! The statement said {$11.00}, XXXX The statement is showing fees for Attorney XX/XX/XXXXXXXXTitle Cost {$1200.00} / etc. I looked this company up on the internet and there is a class action law suit going on involving the same type of things I'm now going through with this company. My loan was transferred to them XX/XX/year> and I'm already going through a lot!!!! Please Help 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 explanation