vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I called Wells Fargo to open a claim for an item I had not received from a XXXX company. After doing so I was told to wait XXXX days for a temporary credit which to me is ridiculous as per XXXX requirements XXXX XXXX XXXX XXXX requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within XXXX business days of notification. I noticed Wells Fargo well within the time period.

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 2026-06-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo reporting they will no longer address origination of this predatory loan. Wells Fargo has received over {$60000.00} of overpayment for this property purchased for {$60000.00} and will not terminate the balance of this predatory loan of {$120000.00}. I have Submitted over 70 complaints to CFPB with no resolution received.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I am demanding that Transunion block the following fraudulent accounts, collections, and inquiries from my consumer credit report within XXXX business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and fraud and are supported by FTC Identity Theft Complaint. Personal Identifying details such as ID, Proof of Address and Proof of SSN has been attached. This is sufficient according to FCRA 605B. Be advised : if you stall and ask for additional documents outside of what is needed according to FCRA 605B, I will pursue legal action. If you delay beyond 4 days, I will pursue legal action. If you contact creditors before blocking, I will pursue legal action. If you misclassify this as a XXXX dispute or add dispute remarks, I will pursue legal action. If you ignore or disregard this request, I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CLAIM # XXXX Account number ending in : XXXX This was an educational gift that was especially meaningful because it fulfilled the wishes of my husband who passed away in XXXX 2025. After his passing, I arranged for the funds to be provided for our granddaughter 's future education. Because she had several years of college remaining and did not need the funds immediately, neither of us had reason to believe there was a problem until she attempted to access the funds in XXXX 2026, she learned that the money had never been deposited into the intended account. I immediately contacted Wells Fargo and requested a copy of the negotiated check. Upon reviewing the check, Wells Fargo 's personnel informed me the check had been altered or " washed. '' The check had been changed and deposited by an unauthorized person. I would like to know how the bank allowed this check to be cashed with all the errors in place. My statement from XX/XX/XXXX ( enclosed ) did not show who cashed this check, so I had no way of knowing it was washed or changed or that my granddaughter did not received the funds. Wells Fargo opened a fraud investigation and provided a case number. Wells Fargo later advised me that it recovered only {$970.00} through a recall process because most of the funds had already been withdrawn from the receiving account. Wells Fargo then denied the reimbursemairement of the remaining {$9000.00} solely because the transaction was reported more than 30 days after the statement date. I respectably request that Wells Fargo reconsider its decision and provide a detailed explanation of how an altered and allegedly washed check was accepted and negotiated. While Wells Fargo acknowledgers ' that a fraud investigation occurred and recovered part of the funds, it has refused reimbursement of the remaining loss based only on the reporting deadline. I am requesting CFPB review of Wells Fargo 's handing of this matter and its refusal to reimburse the remaining loss. I made a report to the XXXX XXXX XXXX XXXX Department ( case # XXXX ) and XXXX ( Reference # XXXX ) also XXXX ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Mortgage — FHA 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: U.S. BANCORP
State: IN

Complaint narrative:
U.S. Bank approved a formal forbearance plan on my mortgage. A U.S. Bank representative then mistakenly terminated the agreement early due to a internal communication error. I have spent days attempting to contact their loss mitigation department, but front-line phone representatives ( including those at XXXX ) claim they are not loss mitigation and refuse or are unable to transfer me to the department handling my account. U.S. Bank is failing to honor our agreement and blocking my ability to contact the department responsible for fixing their 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 non-monetary relief
Consumer complaint received 2026-06-22 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: AZ

Complaint narrative:
On Sunday XX/XX/XXXX I retrieved a document sent by Wells Fargo via USPS standard delivery on Sat XX/XX/XXXX. The letter I received is a denial from a dispute that I had filed direct with WELLS FARGO on XXXX On Wed XXXX a transaction was authorized THUR XXXX the transaction posted FRI XXXX I started a dispute process with Wells Fargo in response to a charge I did not recognize. The charge info is as follows : {$33.00} at XXXX XXXX XXXX I contacted Wells Fargo various departments on Mon XX/XX/XXXX to get more information on my dispute and reasons it was denied. Multiple customer service reps in the XXXX department kept telling me there is nothing they could do as the claim was denied. XXXX and XXXX I was escalated to also denied my request to have this appealed and supply me with more info. They stated they will mail me the full report within XXXX days. They refused to supply me with any relevant information regarding the vendor or ATM. They kept saying I am sorry but you will not be reimbursed over and over and refused to set up an new claim or to give me any advanced support. XXXX and XXXX were quoting the same responses as the XXXX XXXX agents. Sorry we can not assist you further as this was disputed but we will give you the information within XXXX days of why you were denied. Another Issue is the address. The charge has the address listed as XXXX XXXX XXXX in XXXX. There is no such address located in the XXXX XXXX XXXX area. Nobody could give me any info on this vendor or ATM. I immediately noticed this charge the day AFTER it posted and contacted WELLS Fargo immediately to set up the dispute. I supplied info through the app and went into a local branch as well since the app told me an error occured. The claim did go through on XXXX and they completed the investigation on XX/XX/XXXX. I do not understand why it would take XXXX days to get this information sent to me for review. Denial based upon PIN used/ card in my possession / no PIN change requests or failed attempts/ no evidence of counterfeit card used or chip info etc I do not dispute these reasons above. These statements are correct and I do not recognize this charge. I do not know of any such address in the XXXX XXXX XXXX XXXX. They would not give me any specific info such as time of the transaction / zip code of location etc and just simply did not want to review any info because of the denial reasons above. Wells Fargo needs to remediate this issue immediately and I seek assistance from your organization. I am not fairly represented and they could not provide any info that I asked during multiple phone calls.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made XXXX payments on time via the citi bank app from my XXXX XXXX XXXX account. Payment XXXX attempts were made on XXXX and XXXX for {$2200.00} and {$2200.00} respectively, from my XXXX XXXX XXXX XXXX account. Both were kicked back. I made a payment on XXXX in the amount of {$2200.00} via debit card FROM THE EXACT SAME ACCOUNT, on the phone with citi bank customer service and the payment approved. XXXX accepted fault on the denied payments via an unnecessary block on the account. I have the letter to support. ( See attached ) XXXX or so days after the accepted payment via debit card, Citi bank CLOSED my account. They cited it was because there were XXXX denied payments in a row and they assumed it was spam. I told them i had proof it wasnt my fault and to open the account before they tank my XXXX XXXX and Ill immediately make a payment. To which Citi bank refused, even with proof. I have made multiple attempts to correct this unfortunate situation but now this situation has lowered my XXXX XXXX over XXXX points and caused me to be denied funding for jobs costing me over XXXX in revenue and dozens of thousands in profit. Not to mention i can not get a loan to refurbish our home and my low XXXX XXXX is affecting payments from current variable loans and insurance AND common utilities.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
This letter serves as a formal compliant regarding my ongoing dispute with USAA, which remains unresolved. On XX/XX/year>, USAA applied XXXX ( XXXX ) months of interest refunds to my account, acknowledging improper charges. However, on XX/XX/year>, those same charges were reapplied without explanation or authorization. This action is deeply concerning and raises serious questions regarding billing accuracy, internal controls, and compliance with federal consumer protection laws. Additionally, despite my prior correspondence : I have not received any response to my dispute or request for explanation. My account continues to be charged at a high interest rate inconsistent with the promotional terms originally offered. I have not received the promised cash back or rewards benefits, further indicating potential deceptive or unfair practices. SERIOUS CONCERNS The removal and subsequent reapplication of credited interest strongly suggests : Inaccurate or misleading account adjustments Potential violations of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Failure to comply with fair billing and disclosure requirements Deficient dispute investigation procedures

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I alerted Bank of America that my account had been compromised and a fraudulent check ( Check # XXXX ) was being processed. Due to a severe human encoding error by the bank representative, Bank of America initially processed the fraudulent check as {$400.00} instead of its true handwritten face value of {$2100.00}. Because I had already flagged the account as compromised, the bank temporarily returned the {$400.00} as an " Insufficient Funds Check '' return on XX/XX/XXXX and XX/XX/XXXX. However, on XXXX XXXX XXXX Bank of Americas internal backend system issued an automated " DEBIT ADJUSTMENT ( TEBS : AZ XXXX ) '' for - {$1700.00} to force my account to clear the full {$2100.00} value of the check. I opened an explicit adjustment dispute case on XX/XX/year> ( Case # XXXX ) to resolve this. Bank of America has since closed this case without returning my funds. When I contact customer service, the Adjustments department claims the funds are with the Fraud department, while the Fraud department claims it is an Adjustments issue. Because this entire {$2100.00} transaction stems from a fraudulent check that I reported prior to clearing, Bank of America is in violation of Uniform Commercial Code ( UCC ) XXXX by debiting my account for an item that is not properly payable. The bank 's internal departmental silos are preventing the resolution of a blatant encoding error tied to a fraud claim. It has been six months, and Bank of America is unlawfully holding {$1700.00} of my money.

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 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
This took place on XX/XX/XXXX. I was told that I had fraudulent charges on my on-line banking dashboard/account and that they needed to walk me through how to fix those charges. The caller ID showed the banks XXXX number, so I thought this was the bank calling. They said they represented USBank and knew some of my transaction history so I thought it was legit. They convinced me that there was an {$8000.00} fraudulent charge that originated from XXXX, Georgia with both XXXX and XXXX. They walked me through what to do saying that they were putting in a provisional credit into my bank account to cover the transactions that were going to be done in XXXX and XXXX. They then walked me through setting up the transfer from my bank account and the " correcting '' transfer to a " new/temporary '' bank account. This was taking a lot of steps so I started to question it and they then told me that they have had worked with the bank for many years and had done a lot of these types of transactions. Again, convinced me that it was legit. I know have a charge on my line-of-credit for {$8000.00}. When I got hung up on I called the bank and told them what happened, closed all my accounts/cards with the bank ( still waiting on my replacement cards ) and submitted a claim. I then contacted both XXXX and XXXX to inform them that this was fraudulent and explained it to them. This I did all on the same day as the charges. On XX/XX/XXXX XXXX and XXXX denied my claim saying that I authorized the transfers even though I was coerced into making those transfers. I have since closed my XXXX and XXXX accounts and put a freeze on my credit reports As of XX/XX/XXXX I have not heard from the bank so I am submitting a written notice of the XXXX XXXX to have them review it better.

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 2026-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
Im reaching out because Ive been unable to get assistance through MOHELAs customer service channels regarding a student loan overpayment refund. My original letter was dated XX/XX/year> from Mohela about this issue. I overpaid my student loan and am currently owed approximately {$2500.00}. Each time I call, I am transferred multiple times, and the hold times often exceed three hours, making it extremely difficult to get an update or resolution. Of note, the reason my student loan was overpaid, was due to continually receiving billings well after my obligation on the loan was fulfilled. Meaning their systems are very behind in communicating with each other. Several months ago, I was advised that my refund check would be processed within 90 business days. ( Which is an absurd amount of time to complete this task. ) That timeframe expired XX/XX/XXXX, and I have still not received the refund or any communication regarding its status. Would you be able to assist me in getting this matter resolved or direct me to someone who can provide an update? Thank you for your time and assistance. I appreciate any help 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 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
b'I am filing a formal complaint against Truist Bank for its failure to mitigate a reported bank fraud in progress and subsequent improper denial of my claim. On XXXX XXXX XXXX, I was victimized by an online commercial scam involving corporate identity theft. I was induced into sending three XXXX transfers totaling $XXXX ($XXXX, $XXXX, and $XXXX) to a fraudulent account under the name XXXX XXXX (XXXX ID: XXXX XXXX XXXX XXXX).\n\nCrucially, within less than an hour of the last transfer, I identified the scam and formally contacted Truist Banks fraud department twice on XXXX XXXX (at XXXX XXXX and XXXX XXXX. During both emergency calls, all three transactions were explicitly listed in a \'PENDING\' status in Truist\'s system. I requested an immediate freeze and cancellation of the outgoing funds. Truist Bank refused to halt the transfers, stating they could not intervene until the funds cleared, and instructed me to call back the next morning.\n\nFollowing their precise directives, I called a third time on XXXX XXXX XXXX, at XXXX XXXX once the transactions cleared, and Truist opened formal Claim Number XXXX. I also filed a parallel federal report with the FBI\'s Internet Crime Complaint Center (IC3), reference number XXXX.\n\nOn XXXX XXXX XXXX, Truist Bank summarily denied my claim. Truist failed in its duty of care by refusing to act on real-time fraud alerts while the funds were still within their possession and control in \'Pending\' status. I demand a full review of this case under Regulation E and the immediate reversal of these unauthorized, scam-induced transfers. Additionally, I am attaching a full translated breakdown of the claim, named "XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", as part of my supporting evidence.'

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
When I tried to pay my loan off on the XXXX of XXXX it kept telling me the card was declined. The option to pay off the loan using my account was not available until the XXXX with, of course, a higher payoff amount. XXXX my surprise when both payments debited my account. The higher one posted and the second stayed in a pending status making it impossible for me to dispute the charge with my bank. It caused overdraft and tied up over {$1500.00} for a week. I called and was told the payment declined and I would have to call my bank. There was no answer as to why both payments were on my account. If a debit transaction declines it never posts to your account. I called my bank again and she said the payment was rerun by uprova after it initially declined and they did in fact have the funds. For a company to outright lie after charging outrageous interest rates on their loans and tying up money I obviously cant afford to lose is absurd. Do not trust their website for making payoffs and absolutely know they will lie to you hoping you dont know how the financial system works.

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