vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
To Whom It May Concern : Please accept this letter as a formal Notice of Error pursuant to Real Estate Settlement Procedures Act ( RESPA ) Regulation X, 12 C.F.R. 1024.35.I am writing to formally dispute the recent denial of my loss mitigation application. My account is currently approximately 7 months past due with total arrears of roughly {$17000.00}. MidFirst Bank XXXX Incorrect Use of Automated Prior Plan Limits : MidFirsts denial letter dated XX/XX/year> states that I am non-approved because my loan 'exceeded the limit for defaulted trial plans. ' Under FHA/HUD Single Family Housing Policy guidelines , a prior trial plan issue does not permanently strip a borrower of their right to a manual underwrite. Because my income is verified and fully capable of maintaining the current monthly payment, MidFirst is required to review my file manually for a standard capitalization modification rather than relying on a generic, automated system rejection. '' Failure to Advance to the Next Tier of the Waterfall : While I have previously utilized an FHA Standalone Partial Claim and may have reached the statutory 30 % partial claim cap, FHA guidelines explicitly state that a servicer can not halt loss mitigation reviews at that stage. If the partial claim tool is exhausted, MidFirst Bank is contractually and legally required to evaluate me for the next tier of the FHA waterfall : a Standard FHA Capitalization and 40-Year Term Extension Modification.Financial Feasibility : My current household income is fully stable and completely capable of supporting my regular ongoing monthly mortgage payment. I do not require a payment reduction ; I simply require a vehicle to absorb the {$17000.00} past-due balance. A standard FHA 40-year capitalization modification accomplishes this without requiring additional HUD partial claim 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 2026-07-21 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: PA

Complaint narrative:
On XX/XX/year>, I had XXXX deposits in my account that covered the following payments of {$140.00} and {$25.00} which were automatically taken out of my account that day. Over the weekend I also had other automatic payments taken out. I have XXXX XXXX through my work, so I am constantly depositing money. On Monday, XX/XX/year> I received a notification that I was going to be getting {$35.00} overdraft fees taken out of my account for both transactions, in spite of them already showing them paid. I called my bank this morning because now I am in the negative. They said they won't honor my request to have this money, a total of {$75.00} put back in my account. I spoke to a rep and a supervisor. This bank, Wells Fargo charges way too much for overdraft fees to begin with, and it's so unfair to charge someone who knows that the money had already been automatically deducted from the account. It's a money racket, and they are raking us over the coals. I want to file a complaint that this should stop!!

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Dear Credit Collection service, This letter serves as a formal request for validation of any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and requesting that you provide me with the details necessary to validate this debt. According to the FDCPA, you are required to provide me with proof that I owe the debt in question and the amount of the debt. This includes providing the name of the creditor, the original amount of the debt, and any relevant account numbers. Case law has affirmed my right to request validation of debt. In XXXX XXXX XXXX Credit & Collection Services , Inc., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumers have the right to request validation of any debts being collected. Any failure to provide this information may constitute a violation of my rights under federal law. Please send me the validation information within 30 days of receiving this letter. Until I receive this validation, I request that you cease all collection activities regarding this matter. Thank you for your prompt attention to this request. Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
This company insist that they sent me a debt notice, but they did not once I seen they reported on my credit I contacted the original creditor. This debt has been settled with the original creditor and must be removed from my credit report immediately please see the documents provide provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX and USAA bank. XXXX had been charging me since XXXX XXXX only to not be providing dental coverage. I informed USAA that I had just found out in XXXX that they were not paying my dentist. USAA then began refunding me my money and preventing further charges from XXXX. USAA refunded me XXXX of the XXXX transactions and then denied the last XXXX without any explanation. I spoke to at least XXXX representatives and emailed the executive team always to be told they would get back to me and no one has. They also said after the third assertion of the last XXXX refunds they will just close a case no if ands or buts about it. This is wrong! They also said no supervisors are available.

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 2026-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CO

Complaint narrative:
In early XXXX I got notices from XXXX that I had successfully opened a checking and savings account, received a card in the mail to activate, and called in to cancel all things associated with my name as I did not apply for anything. Yesterday ( XX/XX/year> ) I received a letter from US Bank that I had applied for a Savings and Checking account ( letter dated XX/XX/year> ), which I did not, and was instructed to call a number if I had not done this, of which I did. They seemed to handle it like XXXX did, but odd this keeps happening.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
I've made several requests for a XXXX copy of card holder agreement from XXXX XXXX, account ending XXXX, requests made since XX/XX/XXXX ; advised it takes XXXX to XXXX hours,, another rep quoted XXXX hours. It is now XX/XX/XXXX, agreement not 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 2026-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against M & T Bank for systemic mortgage billing errors, improper escrow calculations involving tax-exempt status, and failure to resolve a clear servicing error after formal written notification. My home ( estimated value {$340000.00} ) is fully property tax-exempt. M & T Bank is aware of this exemption but is explicitly and erroneously including property taxes in my monthly payment calculation anyway. 1. The Accurate Payment Breakdown Based on my loan terms, my monthly payment should strictly consist of : Principal & Interest : {$1600.00} Homeowners Insurance Escrow : {$140.00} per month ( reflecting my actual annual premium of {$1600.00}, which M & T paid in full on XX/XX/year> ) Current Escrow Shortage : - {$40.00} ( to be amortized or paid ) Property Taxes : {$0.00} ( Fully Exempt ) 2. The Overcharge and Violation Despite these clear figures, M & T Bank is improperly attempting to charge me {$2500.00} every month. They are maintaining an inflated, unverified property tax cushion in my escrow account where no tax liability exists. 3. Timeline of Disputed Actions and Lack of Resolution XX/XX/year> : I finally received a property tax refund from the state for past years where taxes were erroneously collected, confirming my clear exempt status. XX/XX/year> : I sent M & T Bank a formal Notice of Error and Escrow Analysis Request. XX/XX/year> : M & T Bank acknowledged receipt via secure messaging, stating the inquiry was forwarded to their specialized servicing department. Current Status : M & T Bank has failed to issue a temporary manual payment override, has failed to correct the online portal payment amount, and has not provided a substantive response or updated escrow analysis. 4. Requested Resolution I demand that the CFPB compel M & T Bank to execute the following immediate actions : Apply an immediate manual payment override to reflect my actual principal, interest, and insurance obligations. Conduct an expedited, manual escrow re-analysis that completely strips out any property tax baseline variables. Adjust my account ledger to ensure no late fees, negative credit reporting, or delinquency markers are applied while this formal billing dispute is open.

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 2026-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
My account has been paid for in Full since XX/XX/year>. The company keeps garnishing my wages and keeps send me refund checks months later. I have called numerous of times and asked them to please send the paid in Full to XXXX. Everytime there seems to be some excuse from the collections department. They have no direct phone number and all they sent me was a email to call XXXX. This was a federal Non Vol allotment meaning I have no control and can not stop on my own. I have called XXXX many times and they have said no one from XXXX star has sent us that your account is paid in full, so we can not remove the allotment. I have all the voice memos to prove what military star has said to me. Additionally, On XX/XX/XXXX, they sent me a Bankrupty letter pertaining to the account. I have never filled for Bankruptcy, When I called to inquire they had no idea what i was reffering to and simply said i should of not received the letter. I was recently sent a email a week ago stating my account was just pain in full last month, this couldnt be further from the truth, as the account has been paid in full since XXXX and they have been forced to send me refund checks every month for the last XXXX months. The dishonesty with this company and unethical practices shames XXXX XXXX personel. I now want this account permantly deleted as they are attempting/phishing sending me Bankruptcy notices which is illegal. They have refused to assist me in not only correcting my account but they are still withdrawing money monthly from 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
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I am filing this complaint because [ XXXX / XXXX ] is attempting to collect on a debt for consumer services where {$0.00} of treatments were ever rendered. The original merchant ( XXXX XXXX ) shuttered/transferred operations to XXXX XXXX XXXX XXXX XXXX XXXX and the new entities have explicitly stated they will not fulfill the service package or refund the money. [ XXXX / XXXX ] claims I am XXXX ' because of merchant restructuring/bankruptcy. Under the FTC Holder Rule ( 16 CFR 433.2 ), the holder of a consumer credit contract is subject to all claims and defenses the debtor has against the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
am filing a complaint against Old National Bank for discriminatory pre-screening, unfair denial of service, and hostile employee conduct. I went to the branch because phone support told me to verify my identity in person. I provided my ID and Social Security Number for this purpose.Instead of opening an account, the employee subjected me to an aggressive interrogation. He repeatedly questioned how I would fund the account, acting with hostility when I stated 'friends and family ' and that I am currently unemployed. He tried to imply that a direct deposit was mandatory for service, which contradicts the bank 's own product terms for their checkless accounts. He mockingly treated a basic consumer checking account like a restricted commercial service, asking why I wanted to bank there and stating I didn't meet 'certain criteria. 'While on his computer, he never explicitly stated he was running a formal application, nor did he let me select a specific account. He quietly ran my name through XXXX without my transparent consent, handed me a generic Adverse Action printout, and verbally refused to serve me. The employee used a routine identity verification check as an opportunity to profile me based on my appearance and employment status, hiding behind a computer screen to deny me a fair banking opportunity. I demand a formal review of this branch 's practices and the security footage of this interaction.

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 2026-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
I made a short term, high interest loan with Credit Ninja back in XXXX of XXXX. This was my XXXX online loan. I paid the previous loan off & early. I received a notice of " nonrenewal of lease ' on my apartment rental. I was given a XXXX day notice. Moving is expensive, so I returned to Credit Ninja for a loan. I made the first ACH payment, no problem. I do a quick check of my banking every morning. On XX/XX/XXXX, I noticed Credit Ninja had performed an unauthorized digital account inquiry/verification entry into my checking account without a scheduled payment or my explicit consent, and has subsequently refused to communicate or provide a payoff balance, which I repeatedly requested through XXXX XXXX communications. Each day for an entire week, I called the Credit Ninja customer service line and XXXX mailed inquiring why this unauthorized transaction occurred. It had not occurred when I made the previous loan. Under the advisement of my bank, I was told to XXXX XXXX on the XXXX debits to Credit Ninja and to cancel my bank debit card immediately. I adhered to my bank 's advisement The week of XX/XX/XXXX, I requested Credit Ninja halt the interest charges & I would agree to pay the balance in full, minus the interest charges from XX/XX/XXXX to the date of the sent request ( XX/XX/XXXX ) My request has been ignored. The unauthorized entry into my checking account has been ignored. I am placed on Hold when I contact customer service, but my balance on the loan continues to expand, due to missed payments I need to resolve this issue 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 2026-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Newrez performed an inaccurate escrow analysis that improperly increased my monthly mortgage payment based on clear accounting errors. First, Newrez claims it advanced funds to pay my XXXX XXXX XXXX property taxes due to insufficient escrow funds. However, their escrow analysis incorrectly reports {$0.00} paid for these taxes in the prior year, despite their own records showing a payment of approximately {$3800.00}. Regardless of whether the payment was made using escrow funds or a servicer advance, the tax was paid and must be reflected as a disbursement in the escrow analysis. By omitting this payment, Newrez : -Artificially inflates projected escrow expenses -Creates a false escrow shortage -Improperly increases my monthly mortgage payment XXXX, the escrow analysis includes duplicate homeowners insurance charges for both XXXX XXXX XXXX and XXXX XXXX despite only XXXX active policy. This further inflates the escrow requirement and my payment. Under RESPA ( 12 C.F.R. 1024.17 ), escrow analyses must be based on actual disbursements and accurate projections. Newrezs failure to include a known tax payment and inclusion of duplicate insurance charges results in a materially inaccurate escrow calculation. I am requesting that Newrez : -Correct the escrow analysis to reflect the actual school/tax disbursement -Remove duplicate or inactive insurance policies from escrow projections -Recalculate the escrow shortage and my monthly payment -Issue a corrected escrow statement -Provide a clear explanation of how these errors occurred My desired outcome is a corrected escrow analysis and reduced monthly payment based on accurate data, along with confirmation that these errors will not recur. I have already attempted to resolve this directly with Newrez, but they have failed to correct these errors. Thank you kindly, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 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: U.S. BANCORP
State: NV

Complaint narrative:
I received a pre-approved credit card offer from XXXX XXXX XXXX for an Elan Financial Services credit card. Based on that offer, I applied for the card because I believed I had a strong likelihood of approval. As part of the application process, a hard inquiry was placed on my XXXX credit report. After submitting my application, I was informed that my application was " unable to approve. '' I have not yet received a detailed explanation for the denial. My concern is that I relied on a pre-approved offer when deciding to apply and accept a hard credit inquiry. If I had known there was a significant possibility that I would be denied, I would not have submitted the application. I am requesting that the company explain why I received a pre-approved offer but was ultimately denied, and whether the marketing of the offer was clear and accurate. I also request that the company review whether the hard inquiry was appropriate under these circumstances.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am struggling to keep up with payments to the predatory lender XXXX, I got this card after bankruptcy and the monthly fees and high interest are hard to keep up with especially as now I just became XXXX. I also have a teen at college and have to keep up with college payments. I have regardless always paid the bill on the due date but this time I am unable to due to a college payment due or my son can not attend his classes. I asked if I could move the due date or pay late this XXXX time, under the impression I could pay within XXXX weeks to avoid past XXXX days late and reported to the credit bureau. The representative ( I recorded this call ) told me the XXXX days is incorrect and that report me XXXX days after due date if payment isn't made. Is this legal? I thought if I paid within XXXX days it was not reported. I told her I will be paying just wanted a little help this XXXX time, after several years of completely on time payments. She could not help me. Is there anything that can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief