vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am requesting an executive review of how my recent XXXXXXXX XXXX XXXX XXXX distribution was handled. I went to my local XXXXXXXX XXXX Regions branch to cash a XXXXXXXX XXXX XXXX XXXX distribution check for approximately {$3300.00}. I explained that I needed the money and wanted to cash the check. The teller told me they could not cash it and that my only option was to deposit it into my existing Regions checking account. I was specifically told to return the next morning and the funds would be available to withdraw. At no point was I informed that depositing the check into my Regions account could result in the funds being applied to my delinquent Regions credit card through the banks right of setoff. Had I been given that information, I would never have deposited the check and would have found another way to access my money. When I returned the next day, I was told only that collections took the money. My online banking shows the deposit but does not yet show any transaction removing the funds, despite my balance showing {$0.00}. My concern is not simply the banks contractual rights. My concern is that I relied on the instructions of a Regions employee without being warned of a consequence that completely changed my decision. I believe I should have been given enough information to make an informed choice. I respectfully request a full review of this transaction, including the tellers actions, the application of the setoff, and whether this matter can be resolved by reversing the offset or otherwise restoring access to my funds. I have also notified XXXX XXXX, and they are escalating this matter on my behalf.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of my debit card dispute, XXXX XXXX. XXXX. I was charged multiple duplicate debit card transactions by XXXX XXXX. XXXX acknowledged in writing that duplicate charges occurred due to card issuer declines followed by repeated debit attempts. XXXX specifically identified duplicate charges consisting of nine {$500.00} transactions, six {$370.00} transactions, and five {$250.00} transactions, acknowledged that 20 duplicate deposits were charged to my debit card, and apologized for the duplicate charges. I disputed these duplicate transactions with Navy Federal. Despite the merchants written acknowledgment that duplicate charges occurred, Navy Federal denied my dispute on XX/XX/year>, stating only that our records determined that no duplicate transaction occurred. The denial did not explain how this conclusion was reached or address the merchants written admission. I believe Navy Federal failed to conduct a reasonable investigation or properly consider the evidence I submitted. The merchant admitted the duplicate charges in writing, yet my dispute was denied without an adequate explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The documentation provided, specifically a billing statement, does not constitute sufficient proof or legal verification of the alleged debt. A billing statement is a unilateral record created by the creditor and does not independently establish contractual obligation, chain of ownership, or full validation of the debt. Pursuant to 15 U.S.C. 1692g ( b ), I requested proper validation of the debt. Case law, including XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), clarifies that while verification may be limited, it still requires confirmation that the debt is accurate and attributable to the consumer. The response provided does not sufficiently demonstrate that the alleged debt has been properly verified or substantiated beyond internal account records. Therefore, I dispute the adequacy of the validation provided and request proper documentation establishing the validity, accuracy, and legal right 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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX [ XXXX ] ( XXXX : XXXX ) XX/XX/year> Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX RE : Formal Dispute, Request for Validation, and Notice to Cease Collection Activities * * To Whom It May Concern : I am writing to formally dispute the alleged debt that you claim I owe. This correspondence is not an acknowledgment of liability or a promise to pay. Rather, it is a request that you comply with your obligations under applicable federal law. Pursuant to * * 15 U.S.C. 1692g * *, I request validation of the alleged debt. Please provide the following : * The name and address of the original creditor. * The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges. * Copies of any documents showing that I am legally obligated for this debt. * Documentation demonstrating your authority to collect this debt. * Documentation showing that the debt is within the applicable statute of limitations. Until you provide sufficient validation as required by law, I dispute the validity of this alleged debt and request that you cease collection efforts that are inconsistent with your legal obligations. If you have furnished information concerning this account to any consumer reporting agency, I request that you ensure the information is complete and accurate. If you are unable to verify the information after a reasonable investigation, I request that you correct or remove any inaccurate or unverifiable information in accordance with the Fair Credit Reporting Act. Furthermore, pursuant to * * 15 U.S.C. 1692c ( c ) * *, I request that you cease communication with me regarding this matter except as permitted by law, including to : 1. Confirm that collection efforts have ceased ; 2. Provide the requested validation ; or 3. Notify me of any specific legal action you intend to take. Should you continue collection activities or furnish information that you know, or should know, is inaccurate or can not be substantiated, I reserve all rights and remedies available under federal and applicable state law. Please respond in writing within the time required by law. Thank you for your prompt attention to this matter. Sincerely, 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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I got a loan for a XXXX XXXX. Essentially it was going to be my sons car as soon as he got his license back so I parked it at his home in the alleyway as I do not have the space in my own driveway. The car was unlawfully taken ( the keys I left in the home were taken by a roommate of his without mine or my sons permission ), apparently he went to a private property and was doing doughnuts, got caught on camera and the car was taken by the XXXX police department. My son was indisposed at the time for an event that occurred and I dont reside in the home so I didnt even know it was in the impound and I never received notification from anyone. The next thing I know is that Credit Acceptance was sending me the first notice that I had received saying that the car had been auctioned, I wasnt even given a notice or anything telling me it was in the impound or that they had picked it up or that it was up for auction. I believe this violates the legal manner in which they had the right to proceed and now they are calling for the balance??? They know my number now but didnt care to call and tell me of their intent to auction???

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 2026-07-01 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am filing this new complaint because Newrez closed my previous complaint with a false response and continues to violate federal law.In XXXX, an Illinois judge granted me 100 % sole ownership of my home through a final divorce decree. Under CFPB Regulation X ( 12 CFR 1024.30 ), this legally makes me a " Successor in Interest. '' Newrez is required by federal law to treat me the exact same as the original borrower.Instead, Newrez is giving me the runaround and stalling. They previously claimed they could not talk to me because " I am not on the account, '' which completely ignores Successor in Interest rules. They are also illegally demanding a physical quitclaim deed from my ex-husband, even though he has been missing for over a year and the court-certified divorce decree legally transferred the title under Illinois law ( 735 ILCS 5/2-1304 ) .I have a pending Streamline Modification application with Newrez according to their attorney in court on XX/XX/year>. My monthly income recently increased to {$4200.00}, and the mortgage payment is only {$1300.00}. I have proven I can afford this home. On XX/XX/XXXX, Newrez acknowledged my complete paperwork and stated I would have an answer within 30 days.Despite this, Newrez is actively moving forward with a foreclosure court date on XX/XX/XXXX. Pushing a foreclosure forward while a modification application is open is a strict violation of federal " dual tracking '' rules. I need the CFPB to force Newrez to legally recognize me as the Successor in Interest, halt the foreclosure process, and approve my loan modification.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was stolen and unauthorized transaction was done on my business account. This occurred on around XX/XX/year> at a XXXX XXXX location in XXXX XXXX Florida for the amount of {$850.00} when we noticed the charges we contacted the bank the morning of the charges and had the card number changed. We reported as being an unauthorized transaction while we were discussing this with the truest bank person helping me informed me that she could no longer discuss my account and that I would have to go into the bank to get this matter resolved. I found several fraud reports and appeal as well with the bank and was rejected. The bank failed to follow the safeguards on my account to stop this type of transaction from going from my account while trying to buy gas at XXXX, I will stop for XXXX dollar to verify that it was me if they had alerted me of this charge they could have stopped it before it cleared my account

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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the account referenced on my credit report. I do not recognize this alleged debt and am requesting validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : - The name and address of the original creditor - The original account number - Documentation showing I am legally responsible for this debt - An itemized breakdown of the amount claimed - Copies of any agreement, contract, or records bearing my signature - Proof that your agency is authorized to collect on this account Until proper validation is provided, I request that collection activity cease and that this account not be reported inaccurately to any credit reporting agency. Please respond in writing to the address listed above. Sincerely, 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Report Check Deposit Issue from XXXX Hello, My name is XXXX XXXX, XXXX XX/XX/XXXX. I am filing this complaint because I believe there is inaccurate, incomplete, or misleading information being reported about me through XXXX XXXX XXXX related to a check deposit from XXXX. The situation involved a check from my cousin. I deposited the check because it was given to me by my cousin, and I had permission to deposit it. I did not knowingly commit fraud, account abuse, or any intentional wrongdoing. However, this issue is now affecting my ability to open or maintain a bank account. I contacted the bank and asked them to review and remove or correct the information, but I was told they can not or will not remove it. I am requesting a proper investigation into what exactly was reported, who reported it, and whether the report is accurate, complete, and not misleading. I dispute any notation or classification that states or implies fraud, suspected fraud, check fraud, account abuse, unauthorized activity, or intentional misconduct by me. If the bank or XXXX XXXX XXXX can not verify the information with complete and accurate documentation, I request that the information be deleted or corrected immediately. This report is causing me financial harm because it is preventing me from normal banking access. I am asking for the bank and XXXX XXXX XXXX to provide : XXXX. The exact information being reported about me. XXXX. The date it was reported. XXXX. The name of the bank or department that furnished the information. XXXX. The reason or code used for the negative report. XXXX. Copies of any documents used to verify the claim. XXXX. Written confirmation that the information has been corrected or deleted if it can not be fully verified. I am requesting a fair investigation and written response. Thank you, XXXX XXXX XXXX : XX/XX/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 2026-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My mortgage was transferred from Shellpoint after 3 mods They were my first problem they charged attorney fees while in the mid Shellpoint took over the servicing after a modification loan agreement was agreed upon with Shellpoint XXXX still addded attorney fees and servicing fees to my home Currently they are asking after all these months for fees plus interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had my account # ending in XXXX ( with Truist Bank, initially with Suntrust ) for more than XXXX XXXX! It is my primary account where my work paychecks are deposited and from where all my mortgages and car payments are paid. I am totally locked out now in spite of making XXXX separate calls on XXXX XXXX and XXXX XXXX to your fraud department. They are refusing to enable the account

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 2026-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I received an official fraud alert text message from Wells Fargo regarding an unauthorized transfer of {$42000.00} USD from my account. Exactly XXXX minutes after receiving this alert, I called Wells Fargos fraud department to reject the transaction. The bank representative explicitly assured me : " Do not worry, we will stop the transfer. '' Despite my immediate notification and the representative 's verbal confirmation, Wells Fargo failed its security protocols and allowed the funds to leave my account. I have XXXX XXXX XXXX phone records proving the exact timestamps of the text alert and my immediate call. Wells Fargo has denied my fraud claim and refuses to reimburse my money. Under federal law, specifically Regulation E ( Electronic Fund Transfer Act ), my financial liability is {$0.00} USD because I reported the unauthorized transaction immediately. The bank 's operational negligence allowed this theft to occur. I demand a full investigation, a review of the phone recordings, and the immediate reimbursement of my {$42000.00} USD.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a checking account with Citibank. I deposited a {$300.00} check using mobile deposit. The check was related to a XXXX XXXX settlement payment. After I deposited the check, I was informed that my account was not fully active because I was still waiting for a verification letter. Later, I was notified that my account was closed and the bank stated by phone that the check was considered fraudulent. However, I later contacted XXXX XXXX and was told the check was valid and had already been cashed. Citibank has informed me by phone that the funds are being held in a closed account but has not provided any written explanation, claim process, or confirmation of where the {$300.00} is currently located.I have requested : Written explanation of why the check was considered fraudulent Confirmation of the status of the {$300.00} deposit Instructions on how to claim or recover the funds A cashiers check or return of funds to the issuing bank Citibank has not provided any written response or clear process for recovery of my funds. What I am requesting I am requesting : Full investigation of the {$300.00} deposit Written explanation of where the funds are currently held Release of the funds to me or return to the issuing bank Written confirmation of account closure reasons and deposit status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NY

Complaint narrative:
b"Check XXXX since XXXX never received my income to pay my rent. Very hurt irritated paying the late fee. I been calling since XXXX XXXX regarding this issue. Keep prolonged the date on when I'm going to receive it.. Netspend XXXX account please call me at XXXX XXXX XXXX thank u."

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 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: KY

Complaint narrative:
An arbitration firm by the name XXXXXXXX XXXX XXXXXXXX contacted me regarding a credit card account that defaulted in XXXX. This debt is XXXX XXXX XXXX and well past Kentucky 's XXXX statute of limitations for open accounts. The representative explicitly threatened that they would place a lien on my house and vehicles if I did not make a payment. Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to threaten a lawsuit or property lien on a time-barred debt that they have no legal right to pursue. I want this company to cease all communications and stop making unlawful threats against my property.

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