vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX ( XXXX  ) professional and Successor Trustee of a $ XXXX estate. I am reporting a violation of the Electronic Fund Transfer Act ( Regulation E ) 12 C.F.R. 1005.11 and UDAAP standards by Wells Fargo.

THE VIOLATION : Wells Fargo acknowledged a {$4800.00} fraudulent transaction claim on my checking account. On XX/XX/2026, the bank issued a partial provisional credit of {$1600.00} but is unlawfully withholding the remaining {$3200.00} without providing a statutory basis for the delay.

BANK-MANUFACTURED INSOLVENCY : Despite being notified of the ongoing dispute, the bank allowed third-party recurring charges to pend against the withheld funds, resulting in a negative balance of - {$260.00} as of XXXX XXXX PT on XX/XX/XXXX. The bank is now assessing predatory overdraft fees against an insolvency they engineered by withholding my federal credits. 
LIFE-SAFETY EXIGENCY : This conduct is occurring during an active custodial crisis involving a minor child. The bank was notified via formal legal notice on XX/XX/XXXX ( XXXX XXXX ) that these funds are essential 'XXXX XXXX ' required for child safety interventions and medical evaluations. Wells Fargos non-compliance is directly obstructing the protection of a minor in a XXXX XXXX matter.

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 2026-01-12 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Prior Complaint XXXX. The following was stated... 

I applied for a loan modification. The bank ( SPS ) made up an excuse that because I am 12 months past due they won't help or approve a loan modification. Many people are in foreclosure and they are way past 12 months of late payments and they get reviewed and approved for modifications. I believe since I have equity in my home the bank knows this and they are trying to make up any reason to deny me to get the loan off their books. An SPS representative advised me this was the case. This is something SPS has been doing for years with people who have equity in their homes. This is unethical and unfair to me as a homeowner trying to keep my family in our home. 

SPS responded with a modification approval with details that are show in the prior complaint ( attached ). They then stated they tried to reach us and were unable to. They wanted us to accept the terms. We sent a letter accepting the terms on XX/XX/XXXX. We resent the same letter XX/XX/XXXX. Now SPS says the terms have expired and they never got our letter. Something needs to be done to stop banks from doing these fraudulent practices to lie and trick homeowners. We agreed to the terms so there is no reason this modification can not moved forward. Our next step is to file a lawsuit against the bank unless this can be resolved.

Company response to consumer: Closed with explanation