vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a consumer loan currently serviced by BMO Bank. My complaint concerns unexplained fees that have been added to my account and BMO 's repeated refusal to provide documentation supporting those charges. My XX/XX/year> statement reflected a {$620.00} miscellaneous fee. My account was also previously assessed miscellaneous fees of approximately {$350.00} and {$270.00}. These fees have been included in the amount BMO claims is owed. I requested : An itemized breakdown of the {$620.00} miscellaneous fee. An itemized breakdown of the previously assessed miscellaneous fees. Identification of the specific contractual provisions authorizing each fee. A complete accounting showing when the fees were assessed and how they were calculated. I submitted a written dispute by certified mail and also submitted multiple written inquiries through BMO 's Secure Messaging system. BMO responded through Secure Messaging on multiple occasions. However, instead of answering my questions or providing the requested documentation, BMO repeatedly stated that because the account was past due they could not assist me through that communication channel and directed me to call customer service. To date, BMO has not provided : An itemized breakdown of the {$620.00} fee. An itemized breakdown of the previously assessed miscellaneous fees. The contractual authority supporting those fees. Documentation explaining how the amounts were calculated. At the same time, BMO continues collection activity, including daily past-due email notices and reporting the account as recently late to consumer reporting agencies. I am not disputing the existence of the loan. I am requesting documentation supporting specific fees that have been added to the account and included in the amount BMO is attempting to collect.

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 2026-06-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: NEW YORK COMMUNITY BANCORP INC
State: MS

Complaint narrative:
Complaint Regarding Withheld U.S. Treasury Funds under Security Hold On XX/XX/year>, the U.S. Treasury issued a federal payment to me via a " Digital Payout '' method. XXXX XXXX is the sponsoring financial institution and custodian for this Treasury program. Due to too many failed online identity verification attempts on the digital portal, a security lockout occurred, and the digital portal link was officially canceled on XX/XX/year>. I have contacted the U.S. Treasury, and their representatives have officially confirmed that the funds successfully cleared and have been sitting processed at Flagstar Bank since XX/XX/year>. The Treasury confirms the funds never bounced back to the government. Because of the digital security lockout, the funds are stuck in a manual fraud/security hold inside XXXX XXXX master settlement vault. When I call XXXX XXXX XXXX standard retail customer service, representatives refuse to look up the master settlement file because they only search standard consumer accounts by SSN, which do not exist yet. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX can not see the funds either because XXXX has not yet cleared the security freeze and transmitted the data file to them. I am requesting that XXXX XXXX escalate this to their Government Prepaid Operations Department or Treasury Settlement Team to manually clear the security hold, locate the XX/XX/XXXX Treasury settlement file under my name, and release the funds to Treasury or Myself. After 15+ calls and speaking to MANY REPRESENTATIVES, I feel like Im obligated to know atleast whats the next step.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
I recently pulled my credit reports and noticed an invalid account reported by you all. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off 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 2026-06-16 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: Experian Information Solutions Inc.
State: CT

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was accessed by fraudulent wells fargo XXXX utilizing verified Wells Fargo phone XXXX text systems. They accessed my savings account XXXX used it XXXX send themselves {$1500.00} directly from my account on XX/XX/year>. I immediately notified Wells Fargo of the fraud and filed a police report on XX/XX/year> within minutes of the funds being stolen. Wells Fargo instructed me XXXX not file a police report or take any other action while I reported the fraud on XX/XX/year>. I was notified on XX/XX/year> by wells fargo that they denied the claim XXXX stated that I or someone I know authorized the transfer which is completely false. This is supported by me immediately notifying them of the fraud XXXX filing a police report on XX/XX/year>, the same day the fraud occurred. I was told I could not file an appeal XXXX that there was no recourse for me XXXX 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint regarding Wells Fargo ATM/Debit/Prepaid Card Claim Reference Number XXXX involving my debit card ending in XXXX and account ending in XXXX. On XX/XX/year> WellsFargo informed me that a credit had been applied to my account during the investigation of my claim. However, whenever I visited a Wells Fargo branch and attempted to withdraw funds, I was repeatedly informed that I could not access the money because it was only a temporary credit. On XX/XX/year> Wells Fargo later sent me written correspondence stating : " We have completed our investigation of this claim and determined that an error did occur. '' The same correspondence stated that Wells Fargo had mailed a separate letter explaining the details of the investigation and the final amount credited to my account. I never received that letter. As a result, I was never informed of the final outcome of the investigation, the final amount credited, whether the temporary credit became permanent, or whether any funds remained due to me. Wells Fargo subsequently closed my account and informed me that I would receive any remaining funds. I never received a check or any payment after the account was closed. On XXXX XXXX I went into a physical Branch where XXXX XXXX helped get my claims esclated XXXX XXXX. I have attempted to obtain information on XX/XX/year> regarding this matter and was advised that Claim Number XXXX was closed in the amount of approximately {$73000.00}. However, I only received a partial temporary credit and was never permitted to withdraw those funds because Wells Fargo informed me that the credit was temporary. I never received the remaining balance, a final determination letter, or any documentation explaining the disposition of the claim. I am requesting that Wells Fargo provide : The final determination letter referenced in its correspondence. The complete claim file for Claim Number XXXX. A full accounting of all credits, debits, reversals, adjustments, and payments related to this claim. Documentation showing the final amount Wells Fargo determined was owed. Proof of any payment or check allegedly issued, including the check number, amount, issue date, mailing address, and whether the check was negotiated. Payment of any funds determined to be owed but never 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am disputing multiple negative entries being reported XXXX ChexSystems that are preventing me from opening a bank account. The disputed records include accounts reported by XXXX XXXX XXXX Bank XXXX reported balance of {$430.00}, closed XX/XX/XXXX ), XXXX Bank ( reported balance of {$42.00}, closed XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( reported balance of {$250.00}, closed XX/XX/XXXX ). I disputed these entries with ChexSystems XXXX requested a reasonable investigation, along with documentation supporting the accuracy of the reported information. Specifically, I requested copies of any account agreements, signature cards, applications, contracts, or other records demonstrating that I am legally responsible for the reported accounts XXXX balances. ChexSystems responded that the information had been verified by the reporting institutions but did not provide the documentation I requested. I do not believe the investigation was reasonable because I have not been provided sufficient evidence supporting the reported information. As a result, the disputed entries continue XXXX appear on my consumer report XXXX continue XXXX cause denials when I attempt XXXX open new bank accounts. I am requesting that ChexSystems conduct a thorough reinvestigation, provide the method of verification used for each disputed account, XXXX furnish copies of any documentation relied upon XXXX verify the information. If the information can not be fully verified with competent evidence, I request that the disputed entries be deleted from my consumer report in accordance with the Fair Credit Reporting Act.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Pursuant to 15 U.S.C. 1681s-2 ( b ), I dispute the accuracy and completeness of the collections being reported on my credit file. Upon receiving notice of this dispute, the furnisher is required to conduct a reasonable investigation, review all relevant information, and report accurate results to the consumer reporting agencies.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am filing this complaint against BMO Bank regarding an unreasonable hold placed on my deposited insurance settlement funds and the overdraft fees that resulted from the banks actions. On XX/XX/year>, I deposited a settlement check from XXXX XXXX at the BMO branch located at XXXX XXXX XXXX, XXXX XXXX, Missouri. BMO placed a hold on the funds but failed to provide adequate notice explaining the reason for the hold, the length of the hold, or my rights under the banks funds availability policy. After the deposit, documentation was provided to verify the legitimacy of the settlement funds. The branch also received verification directly from XXXX XXXX confirming that the check was valid and legitimate. Despite receiving this verification, BMO continued to restrict access to my funds. Because BMO withheld access to verified funds, transactions that would have otherwise been covered resulted in overdraft fees being charged to my account. These fees were caused by BMOs decision to continue holding the funds after their legitimacy had been confirmed. I believe BMO failed to properly notify me of the hold, failed to release verified funds within a reasonable timeframe, and unfairly assessed overdraft fees that were directly caused by the delayed availability of my deposit. I am requesting that BMO : 1. Immediately release the deposited settlement funds. 2. Refund all overdraft fees and any related charges caused by the hold. 3. Provide a detailed written explanation of the hold, including the legal and policy basis for delaying access to the funds. 4. Provide copies of all notices allegedly sent regarding the hold. 5. Review whether the bank complied with federal funds availability requirements and consumer protection laws. I attempted to resolve this matter directly with BMO, but the issue remains unresolved. I respectfully request CFPB assistance in obtaining a fair resolution and reimbursement of all overdraft fees caused by this unnecessary hold.

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 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have already been experiencing account manipulations/withdraws, unauthorized by myself. Wells Fargo promised me multiple times my savings account in my name only was secure. It was not. On XX/XX/XXXX I became aware of money transferred out of my savings acct to a joint acct that is aleady being investigated for identify theft, account manpulation, acct takeover. I had 2 transfers go out of my savings acct s to this joing acct. I tried to pull the money back to my saving. I watches as multiple atm and purchases were made in Florida against my joint acct with my mother who has been the victim of identify theft for at least 5 years, Along with mom XXXX XXXX XXXX we got on a 3 way phone call with wells on the weekend of XX/XX/XXXX to report the theft and request shut down and to remove the online services. They have not been removed. I also requested these accts be shut down to all activity- I have requested since XXXX to outgoing transfers or changes in the account could be made unless done in person. That did not happen clearly- I received no notification that happened and obviously fraudulent activity has still happened. A total of XXXX was transferred out of my savings fraudulently this is on top of the over XXXX I still have not been reimbursed for and have already filed a separate cfpb complaint. I have attempted for over a month now to contact the supposed person at the executive level who is reviewing my case with no luck. I have requested multiple call backs and have received nothing. I have requested a new manager of my case and have received no communication in regards to this. Due to Wells Fargo inability to protect me, my information, my identity, I have incurred fees, interest fees that overwise I would not have. My credit is being affected in a negative way yet here I am with no response from Wells Fargo- only promises of accounts being secure when they are not, call backs promised and they are not done. I do not find Wells Fargo to be transparent regarding claims I have in place already.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: UT

Complaint narrative:
The company Meridian Financial Services is collecting {$1300.00} and this is part of the action taken from a scam company that make us to sign a contract with a loan from a 3rd party company to be able to enjoy a prize we won. The scam started with XXXX XXXX associated with XXXX XXXX XXXX and they assured they will send me two certificates with two travels details by XX/XX/year>. They also stated they will correct the contract showing the two travels to Hawaii instead the one on the contract. The XXXX XXXX gave us only one travel but I paid the return flight and the hotel on that travel.

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 2026-06-16 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: OH

Complaint narrative:
I created dispute with CITI CARD in amount of {$950.00} for purchase made via CITI XXXX for XXXX in XXXX ( issue : hotel refused to fix AC during my stay, while outside temperature was above 80F ). After placing the disputed with pictures attached, I've been asked ( by CITI Dispute team back in XXXX ) to contact and get additional confirmation from merchant ( Hotel ). The correspondence with hotel and information from XXXX XXXX ( on similar issue reported ) been provided to CITI. I have several discussions with CITI specialist and was explained that case still in review ( during XXXX XXXX ). Couple of days ago I've get a letter from CITI stating the case can't be resolved as the payment made back in XX/XX/year>. Today on call with team lead from Dispute team I was explained that case closed and max they can do {$60.00} for inconvenience. I would expect that compensation ( for negative experience with hotel booking via CITI XXXX and bad services from CITI bank ) should be at least 50 % from total cost.

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 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am filing a complaint against Ally Bank regarding a restriction placed on my high-yield savings account and Ally 's refusal to provide a clear explanation or reasonable path to access my funds. I recently discovered that my Ally savings account had been restricted from making external transfers. When I attempted to resolve the issue, Ally representatives informed me that the restriction was related to XXXX. However, I do not use XXXX through Ally Bank. My XXXX account is linked to my credit union, XXXX XXXX XXXX XXXX, not my Ally savings account. Despite multiple contacts with customer service, Ally has been unable to clearly explain : What specific XXXX account, email address, phone number, or activity allegedly caused the restriction. Why a Zelle-related issue would prevent access to a savings account that is not used with XXXX. What specific actions I must take to remove the restriction. How I can access my funds if the restriction remains in place. I have repeatedly requested clarification and a path to resolution. Instead, I have received inconsistent and vague explanations that simply state the restriction is " because of XXXX '' without providing supporting details or corrective steps. My primary concern is that Ally has restricted my ability to transfer or access funds in my account while failing to provide a clear explanation of the restriction or instructions for resolving it. I am requesting that Ally : Provide a written explanation for the restriction. Identify the specific issue allegedly related to XXXX. Restore my ability to access and transfer my funds, or Provide a clear process for closing the account and receiving the account balance. I am seeking prompt resolution and access to my funds.

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 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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