vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I became the victim of a sophisticated impersonation scam. I called a phone number ( XXXX and XXXX ) that I believed belonged to XXXX customer support after I encountered an issue receiving a payment. The individual I spoke with falsely claimed to represent XXXX and instructed me to grant remote access to my mobile device so they could investigate the issue. Once they gained control of my device, they accessed my Wells Fargo mobile banking application, including my checking account, savings account, routing and account information, and XXXX. During the call, they repeatedly threatened that I would be fined {$5000.00} for " insurance fraud '' if I did not comply with their instructions. They maintained control of my device for approximately XXXX hours, during which they intimidated me, yelled at me, and insisted I could not end the call. While remotely controlling my device, the scammer initiated a {$1900.00} XXXX transfer to an account that I do not own or control. They also attempted additional unauthorized financial transactions, including initiating a wire transfer, multiple XXXX transfers, creating XXXX XXXX and XXXX accounts, attempting to purchase approximately {$1500.00} in XXXX, and directing me to open a XXXX account to purchase stock. Several of these additional transactions were unsuccessful. Once I realized I was the victim of fraud and could no longer reason with the perpetrator, I immediately ended the interaction and contacted Wells Fargo to report that my account had been compromised by someone who had obtained remote access to my device while impersonating a financial institution. I requested that the transaction be investigated as fraud. Approximately XXXX weeks later, Wells Fargo denied my claim, stating that because the transaction originated from my device, it was considered authorized. I disagree with this conclusion. Although the transaction originated from my device, it was initiated while a fraudster had remote control of that device through deception, coercion, and intimidation. I did not knowingly or willingly authorize the transfer to the recipient, nor did I intend to send funds to that account. I believe Wells Fargo 's investigation failed to adequately consider the circumstances under which the transaction occurred and incorrectly treated the use of my device as evidence that I voluntarily authorized the transfer.

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 2026-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
" The law firm engaged in abusive and deceptive debt collection practices in violation of the FDCPA. I formally responded to the firm 's debt verification request, stating a clear disagreement with the debt based on identity confusion and evidentiary errors. We were awaiting a scheduled court date. Instead of proceeding legally, the firm withheld my response from the court, waited roughly a year, and filed for a fraudulent default judgment claiming the consumer failed to respond. They have since bypassed the XXXX state grace period and are actively garnishing my spouse 's wages at XXXX XXXX XXXX XXXX a judgment obtained through misrepresentation. A Motion to Vacate is pending in XXXX XXXX XXXX ( Case No. XXXX ). We want the CFPB to compel the law firm to cease collection activities and return all seized funds while the court reviews the fraudulent manner in which this judgment was obtained. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These actions constitute violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ), and any other applicable provisions governing the investigation of consumer disputes and identity theft. These violations have caused ongoing harm by allowing inaccurate and fraudulent information to remain on my consumer report, adversely affecting my creditworthiness and ability to obtain credit. Violations itemized : 1. FCRA 611 Reinvestigation of Disputed Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Violation : Failed to conduct and complete a reasonable reinvestigation within 30 days. Failed to notify of the investigation results.

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 2026-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The mortgage company that services my loan changed their name and is now Onit.y and it changed my mortgage amount without a bill telling me the new amount because of changes in my escrow account. On XX/XX/year> I received a mortgage statement from Onit.y saying I owed {$6000.00} and that I hadn't paid my mortgage for XXXX and XXXX. This was not true and I had paid {$2900.00} on XXXX XXXX for XXXX and the same amount on XX/XX/year> for XXXX. I paid the amount I have been paying and had no idea there was a new amount. When I called the automatic phone system said I was past due and was being charged a {$87.00} late fee and needed to pay immediately. I spend a very long time on the phone trying to talk to a person, and finally was able to talk to a person who was not able to understand fully what I was saying nor communicate back to me what I was told on their automatic account information and had no idea about the mortgage statement I received saying I owed {$6000.00}. She answered no questions but told me that they had a bank account on file and they could take {$140.00} out of my account and no late fee would be charged because I was in a grace period. When I questioned that if I owed 2 months of escrow fee increase then one of them for XXXX would be overdue. No response and was only told nothing would go against my credit score, which I don't know is true as the timeframe hasn't reported on my credit report yet. The representative also said that she could see no notification or bill telling me the new amount. I am very concerned that this mortgage company is sending fraudulent statements. I did not owe {$6000.00} but owed {$140.00}. This is a scare tactic and abusive to me as a client of this company. I was panicked until I could talk to someone three days later when they were finally open and I could talk to someone, but only after again being given the wrong information on their automatic phone account information. I really want this company investigated because they are using fraudulent statements to get people to overpay and the tactic of not clearly giving statements of what is really owed. The representative just keep telling me she wouldn't charge me a fee for paying on the phone and that the only way I could pay was having them use my fraudulently saved bank account. I am also very concerned that this company data mined my account information from my payments and kept a record of my bank account. This is not safe for consumers and opens my bank account for fraud. I never gave them this account information, yet they had all the information and easily took the {$140.00} from my account directly, when I had NEVER made a direct payment to them previously. I did give permission to take the {$140.00} this one time.

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 2026-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am providing an additional update to my complaint. XXXX XXXX has confirmed in writing that they can not provide any additional document because the check was valid, paid, properly endorsed, and final. They also provided CitiBank with a direct verification number specifically for banks to confirm the legitimacy of the check. Despite this, CitiBanks Fraud Prevention manager repeatedly told me to contact XXXX XXXX and the issuing bank instead of conducting the verification themselves. When I attempted a threeway call so Citi could verify the check directly, the CitiBank manager disconnected the call before XXXX XXXX answered. The manager also stated she could not provide her full name, claiming it was against CitiBank policy. CitiBank continues to refuse to provide a fraud reason code, return reason code, endorsement image, or proof of payment status. These actions have caused significant hardship and prevented me from resolving a confirmed I am requesting CFPB assistance because CitiBank is preventing me from resolving a confirmed paid check and refusing to provide required documentation.

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
US bank closed my account due to unpaid fees of {$13.00} without asking me, emailing me, texting me, or calling me sending me a letter or allowing me to rectify the situation. I could have easily rectified banking fees! They contact me to sign me up for things that make them money Interestingly enough. Like signing me up for loans, credit cards.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I deposited a {$6500.00} Balance transfer a check from Citi cards into my Citibank checking account. The first day the funds were not available in the checking account, which is completely understandable. The following day, XX/XX/year>. The funds were made fully available in my citi checking account and then I use them to pay Pay Bill bills. This morning I attempted to use my debit card at the gas station and it was declined. I access to my bank account over the Citibank app and discovered that the {$6500.00} balance transfer was declined by XXXX cards causing my checking account to be overdrawn by {$5700.00} approximately. I started calling Citibank in XXXX cards at XXXX XXXX this morning. I am submitting this complaint to you at XXXX XXXX. I have been transferred back-and-forth between each side of the business, I have been hung up on, I have been ignored just sitting in silence for over 40 minutes and then hung up on. None of the people that I spoke with were in the United States of America. I kindly asked at least XXXX to XXXX times. Can I please speak with a representative in the United States? Each time I asked the question each representative said Im sorry we dont do that. As of this moment, I have zero online access to any of my bank account accounts at Citibank. The last representative I spoke to said that they will get back to me within an hour, but I had heard that a couple of times prior so thats why I am submitting this complaint. I need help in dealing with this bank because the natural channels are failing me and I am in a detrimental situation. I do not possess the savings to cover the bills that were paid out of the checking account. The new balance transfer that they promised me would be available within XXXX to XXXX hours will take too long to cover the payments that Ive already made. I am desperately asking for help and dealing with this institution.

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 2026-07-16 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: AZ

Complaint narrative:
Good day. I am submitting this complaint because I can no longer tolerate the stress and frustration this situation has caused. It is incredibly upsetting to discover a collection account for a debt that I do not recognize, did not authorize, and can not verify as mine. Since then, I have been subjected to repeated collection attempts through multiple forms of communication, including threats of legal action over an account that I firmly dispute. As a law abiding consumer, I should not be harassed over an unverified and inaccurate debt. This ongoing conduct has caused significant emotional distress, XXXX, and sleepless nights, while also damaging my financial standing. I believe my rights as a consumer are being violated by the continued reporting and collection of an account that does not belong to 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 2026-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: FL

Complaint narrative:
In XX/XX/year>, I vacated my XXXX XXXX unit and received an official Move-Out Receipt confirming my balance was {$0.00}. Despite this, XXXX XXXX charged my card {$350.00} without authorization. I disputed the charge with my bank, provided the Move-Out Receipt as evidence, and the bank ruled in my favor the charge was reversed on XX/XX/year>. XXXX XXXX then transferred this non-existent debt to Allied Interstate LLC, a collection agency, which is now attempting to collect {$350.00} from me. This debt does not exist. I have documentary proof that my balance was {$0.00} at move-out and that the unauthorized charge was reversed by my bank. I am requesting that XXXX XXXX immediately recall this debt from Allied Interstate LLC and confirm in writing that I owe nothing.

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 2026-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
b'This is regarding my Macys XXXX XXXX XXXX account number XXXX XXXX XXXXEarlier this year, I received a promotional email from my Macys XXXX card indicating that if I signed up for the offer and completed $XXXX or more of online purchases outside of Macys by XXXX I would receive a $XXXX statement credit. I signed up for the offer and received an email confirming so as well as the promotion details. Said email was received on XXXXXXXX. On XXXX I completed an online purchase with XXXX for $XXXX. After not receiving the statementment credit, I reached out to Macys XXXX on XXXX The representative I spoke with confirmed I had activated the promotion and made a qualifying purchase but that the statement credit would not show up until my XXXX statement. I reached out to Macys XXXX again on XXXX after receiving my XXXX statement and noticing I did not receive the $XXXX credit. A different representative contended I did not qualify for the promotion because the requirement was that the $XXXX or more purchase be made online via Macys, which contracted the email confirmation I received. I ended up going in circles witht the representative who refused to review the email confirmation I had received. I asked for written confirmation of our conversation and their position but that was not provided.'

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-07-16 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:
On XX/XX/year> at XXXX I received an email about insufficient funds with extra day grace period. I had a pending charge from capital XXXX when I looked that had not posted. I brought my account current yesterday and today I was charged overdraft fees not matching the email sent to me yesterday morning. Wells Fargo is sending emails that dont march their extra day grace period fees when calling today they said the charge posted on the XXXX which in fact it showed as pending yesterday and not the XXXX. I never received notification on the XXXX only yesterday that explained I had until today to bring my account current to avoid fee.

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 2026-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank received my insurance repair check back in XXXX, XXXX, XXXX. They started an investigation on the specific check in the amount of {$22000.00}. At this moment they still have not responded back to me or provided any factual evidence of why they are retaining the check. The insurance company argues the check has been cashed by Truist bank. That check was paid from my house 's insurance company to remediate and fix an issue with the kitchen. The bank seems to be using my funds to lend it out and make profits for what belongs to me.Truist bank closed down all of my account and is refusing to refund the insurance check. The bank 's delay is causing active property degradation ( mold, leaks, structural failure ), and at this point they should be hold financially liable for any secondary damages caused by their refusal to release the 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 2026-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I haven't used my Macy 's card since XX/XX/XXXX. I had fraudulent acctivity on my account that they contacted me about, and we had addressed that it was fraudulent and purchases not made by me. ( used in florida and the next day California, as I reside in Minnesota ). This all started in XXXXXXXX XXXX XXXX and has not been taken care of. They only took care of two of four fraudulent transactions. I have called over ten times now. They have said it's been escalated and I will hear back from someone higher up, and I still have to this day to get that call. I do though keep getting calls from debt collectors to recieve payment. It's the same call every time I call them and nothing is being done. It has now done damage to my credit score because they are not handling this situation and I don't know what to do.

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