vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I called BMO Bank at the end of XXXX to inquire about the issue of unpaid checks after the account was closed, and they informed me that I would receive the checks within XXXX weeks. I submitted a complaint to CFPB in XXXX XXXX without receiving the check, and BMO Bank replied on XX/XX/XXXX informing me to call them. So I called on XX/XX/XXXX and provided the address to BMO customer service. The customer service informed me that they would send the check to my new address as soon as possible. It has been XXXX weeks since XX/XX/XXXX and I still haven't received the check. I now suspect that BMO Bank refused to send me a check and intended to embezzle my funds. Please verify and handle it with the relevant departments.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A criminal intercepted my physical Citibank debit card in the mail before I ever received it. The scammer used my stolen card information to set up a fraudulent online banking profile under my name, linking it to their own phone number and credentials. I have never had digital access to my own account. I called Citibank and requested that they delete this fraudulent profile. Phone support confirmed to me that the fake profile was deleted. However, I have since received login alert text messages showing that the scammer still has active digital access and is attempting to log into the account. Citibank 's customer service has failed to secure my account despite explicit warnings, leaving a criminal in total control of my digital identity and 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 2026-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Your company and my bank has also made complaints about my mortgage company and nothing is working. I can't get another company due to my payment history. Because newrez will not acknowledge my payments

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported fraudulent transactions on my account and was issued a provisional credit while the bank investigated. On XX/XX/year>, the bank reversed the credit in the amount of {$370.00} and labeled it CARD REVERSAL OF CREDIT XXXX. I do not agree with the banks decision and do not believe I received an adequate explanation or evidence showing that I authorized the transaction ( s ). The transactions were fraudulent, and I promptly reported them to the bank. I am requesting that the bank provide the documentation supporting its decision to reverse the credit and conduct a proper investigation. I am asking that the bank restore the {$370.00} to my account if it can not prove that I authorized the transaction ( s ) or that it complied with its obligations when investigating my fraud claim.

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 — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Eviction thrown out XXXX XXXX XXXX XXXX XXXX by well Fargo they cashed a check they said they didn't it was a money order I tracked it down and their stamp was on back of money order ee were in contact abou modification with well Fargo at the time I feel My home was unjust ly taken 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 2026-07-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ON XX/XX/2026 I WENT TO THE ATM ON XXXX XXXX, XXXX, NC, TO DEPOSIT {$3700.00}, BUT THE ATM ONLY RECORDED A TRANSACTION OF {$0.00}. XXXX cents. When I noticed this error, I lodged a complaint with the bank and they opened a claim file, stating that they would investigate on XXXX XXXX XXXX, they informed me that the complaint case would be closed because the ATMs cameras were not working that day and they did not see me deposit the money

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 2026-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I refinanced my auto loan from Ally Financial to XXXX earlier this year. My loan with Ally has been paid in full, but my refinance has still not been completed because XXXX has not received the lien release from Ally. Since my loan was paid off, I have contacted Ally numerous times over several months regarding the lien release. During this process, I have received multiple conflicting explanations from different Ally representatives. Initially, I received what Ally representatives identified as payoff confirmation letters rather than the lien release letter required by my new lender. At that time, I had no way of knowing that those documents were not the actual XXXX release. During XXXX and XXXX, I also contacted Ally several times, and representatives advised that they could fax the document directly to XXXX. I provided XXXX 's fax number, but XXXX later confirmed that no fax had been received and explained that they require the original XXXX release document rather than a fax copy. Throughout this process, Ally representatives repeatedly informed me that only the payoff party could request the lien release. However, XXXX informed me that, under its internal policy, it does not contact other financial institutions by telephone and instead communicates through written requests. XXXX confirmed that it submitted a written request to Ally on XX/XX/year>, requesting the lien release, but did not receive a response. On XX/XX/year>, Ally generated the lien release. XXXX representative advised me that it would normally be mailed the same day or the following business day. However, as of XX/XX/year>, XXXX confirmed that it still had not received the document. On XX/XX/XXXX, I contacted Ally again. XXXX representative stated that the XXXX release had been generated but not mailed and that XXXX needed to call Ally to request it. I then escalated the matter to a senior XXXX, who instead stated that the lien release had in fact been mailed on XX/XX/XXXX. I therefore received contradictory information on the same day regarding whether the document had actually been mailed. I have made repeated good-faith efforts to resolve this issue directly with both companies. Despite these efforts, I continue to receive conflicting information, and the lien release has still not been successfully delivered to my new lender. This delay is preventing completion of my refinance and may negatively affect my loan terms. I am requesting CFPB XXXX assistance because I no longer have any practical way to resolve this issue on my own.

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 2026-07-19 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: NY

Complaint narrative:
Subject : FORMAL BILLING ERROR DISPUTE & NOTICE OF FRAUD REVERSION Reference : Rejection Letter Dated XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute your XX/XX/XXXX, determination and reassert that the charges debited from my account between XX/XX/XXXX and XX/XX/XXXX are entirely fraudulent. I did not authorize, make, or benefit from any of these transactions. I have not used this card since XX/XX/XXXX. 1. Statement Disconnect and Concealed Activity I was prevented from discovering this fraud earlier due to a severe system error on your part. Month after month, my email statements explicitly stated " no new charges. '' An account representative recently confirmed that my email alerts were erroneously linked to an inactive, old card ending in XXXX. Because your system masked the actual activity, my XXXX function automatically debited the fraudulent balances from my personal bank account without my knowledge or consent. XXXX. Disputed Fraudulent Amounts The total amount stolen via your billing error and unauthorized bank debits is {$310.00} : XX/XX/XXXX XX/XX/XXXX : {$250.00} ( Accumulated fraudulent transactions ) XX/XX/XXXX : {$59.00} ( Final fraudulent transaction and debit ) XXXX. Proof of Non-Involvement Your XX/XX/XXXX claim that I " benefited from or was aware of '' these charges is factually impossible and incorrect : Physical Distance : The XX/XX/XXXX charges occurred at a location XXXX miles away from my residence. I was not physically present at that merchant. No Digital Footprint : The charges include digital services such as " XXXX XXXX '' and adult entertainmentXXXX I maintain absolutely no online presence with these platforms, do not use these services, and have no accounts tied to them. 4. Remedial Actions Taken Upon discovering your system error and the unauthorized charges, I immediately : Removed the XXXX link to protect my bank account. Flagged the account with your fraud department in early XXXX when I noticed a debit for {$59.00}. Had a new card issued to secure the account. 5. Demand for Resolution Under the Fair Credit Billing Act ( XXXX ), I am requesting a full, formal re-investigation of this account. Because your company failed to provide accurate statements, the standard 60-day notification window must be adjusted to reflect the date the billing error was actually made available to me. Please credit {$310.00} back to my account immediately or issue a direct refund check for the funds wrongfully debited from my bank 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 monetary relief
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I periodically check my credit report and noticed that Service Finance Company is still reporting inaccurate information. This debt was discharged through the IRS.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to dispute Bank of America 's unfair and deceptive decision to void my 18-month credit card settlement agreement. I had a past due credit card of {$4200.00}, I received a settlement offer and accepted it. 17 months of {$170.00} and a final XXXX payment of {$170.00} I acted in complete good faith, successfully making 17 out of the 18 required payments, but on the XXXX month the payment on XX/XX/XXXX, the charge was not processed due to an unnotified failed payment. Bank of America did not notify me of this missed payment and said I was responsible for making sure the amount was being charged to my account every month. Instead, they continued to draft and accept my automated payments for XXXX XXXX, XXXX XXXX, and XXXX XXXX ( after the contract had already been broken ). By accepting these subsequent payments without notice, Bank of America led me to believe the agreement remained fully intact. Them continuing to take payments after a break in contract and waiting until two months after the agreement was completed to notify me that it was voided is a deceptive billing practice. It denied me the right to cure a single minor default. I have achieved substantial compliance with this contract. I request that Bank of America immediately reinstate the settlement, accept a single catch-up payment for the missed XXXX XXXX amount, and mark the account as settled in full.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am Bank of America customer and the victim of a qualifying imposter scam in which the fraudster impersonated my son. On XX/XX/year>, I received text messages from an unknown number claiming to be my son, saying he had dropped his phone and was texting from a temporary phone. Believing I was communicating with my son, I was deceived into sending a {$2000.00} XXXX payment to a recipient names XXXX XXXX. I reported this to Bank of America and filed a claim ( number XXXX ). On XXXX XXXX, Bank of America denied my claim, stating the transfer was completed according to my instructions and that no error occurred. This characterization is wrong. I did not knowingly send money to a stranger i was tricked through deliberate impersonation of a family member. This is precisely the kind of imposter scam that XXXX XXXX XXXX own policy states may be eligible for reimbursement, and that the current XXXX imposter-fraud reimbursement framework was designed to cover. I have text message evidence clearly showing the fraudster impersonating my son, including the opening Hi mom message and false claim about a broken phone. I am requesting that Bank of America reverse its denial and reimburse the {$2000.00}, and that the CFPB help ensure my claim is properly evaluated as a qualifying imposter scam rather than dismissed as an authorized transaction. I first reported this claim to Bank of America on approximately XXXX XXXX. I have filed a written appeal with Bank of America and complaints with California Department of Financial Protection and innovation and the California Attorney General, and I have filed a police report.

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was called and the people said they wee with XXXX XXXX XXXX and won {$5000.00} for the rest of my life of course they asked for my banking information and told them I do not give that out to anyone. Then they said well there are other ways they could have it deposited into my account and asked me to start hitting numbers on my phone which I did and within minutes they had my face recognition and completely took over my phone and scammed us out of {$21000.00} ( I am a retiree and this mine and my wifes savings ) have filed multiple complaints with Wells Fargo with no help or even a goodwill gesture to help reimburse our money we were ffrauded out of. They keep saying it was my fault, I let them willingly which of course I did not willingly let them in and said there was nothing they could do to help me. Plus! I never got a fraud let alert them for suspicious transactions. ( Which I have in the past for different things ) I pray someone can help me with thus matter. We have also gotten law enforcement involved. This has put me and my wife in a very hard 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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was closed by Bank of America and the held on to my money for 1 month left me with nothing. Getting ahold of customer service is a nightmare with no help Prior to account being closed I had open dispute on a company charging my account operating illegally in XXXX i shared this info with Bank of America as well. They didnt care they stayed with my money and reversed my funds that belonged to me. No communication from them no email no phone calls I had to call number of time to get an idea of whats going on.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: CA

Complaint narrative:
Someone was able to send XXXX to a pathway account and I did not authorize, I despite it and then, I was charged XXXX more times another for XXXX Wich I despute and then a XXXX XXXX XXXX for XXXX and this happened while Netspend was investigating

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 — Transaction was not authorized
Company: MoneyLion Inc.
State: MO

Complaint narrative:
On or about XX/XX/year>, my MoneyLion debit card was used to process more than XXXX unauthorized XXXX XXXX transactions. I reported the unauthorized activity promptly and provided the requested documentation. Instead of resolving my dispute in a timely manner, I experienced repeated delays, inconsistent responses, and significant difficulty obtaining assistance. During this process, MoneyLion closed my account on XXXX separate occasions, making it even more difficult to access my account information, communicate about my claim, and resolve the unauthorized transactions. The handling of my dispute has caused me substantial financial hardship and unnecessary stress. After more than XXXX years, this matter remains unresolved despite my repeated efforts to work with MoneyLion and XXXX XXXX. I respectfully request that MoneyLion : - Conduct a final executive review of my dispute. - Immediately process any refund determined to be owed for the unauthorized transactions to my XXXX debit card ending in XXXX. - Release any remaining funds associated with my closed MoneyLion account. - Provide a written explanation of the investigation, the basis for its decision, and confirmation of the amount and payment date of any refund. Given the length of time this matter has been pending and the repeated account closures, I respectfully request that this complaint receive expedited review and resolution.This keeps the complaint focused on facts you can support while highlighting that the account was closed twice, which is relevant to how the dispute was handled. As a result of the account closures and unresolved dispute, I was forced to move my banking relationship to XXXX. If my claim is approved, I request that any refund be deposited to my XXXX debit card ending in XXXX, which I currently use for my banking and direct deposits.

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: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX, I came in and spoke to one of the ladies that I know and takes to her about why my account was closing and how can I stop it she said she could help me out and that it had to do with fraud on my part. And I had asked her what had popped up on my account that got flagged as fraudulent because I would never do anything like that Ive been banking with us bank for at least 5 almost 6 years now and I have never had a problem she had shown me checks that were mobile deposit is what she said and she asked me about them and I had told her I get everything atomic deposit from work and everything I dont get checks ever and she even printed them out we both noticed that the check that said that were put into my account werent even signed by me whatsoever and I had never seen anything like it and a few weeks before this even started I got a text from what I thought was a scam so I ignored it they texted graphic pictures for dead bodies and then I get in the mail something is wrong with my account and I just want it fixed.

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