vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NM

Complaint narrative:
Improper tactics. Approved for loan, then locked out of account. Now reporting loan was given and received, and payments due. Company contact information invalid.

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 2026-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I was solicited by USAA to open a new USAA Savings account and deposit {$15000.00} in new funds and receive a {$300.00} Bonus after 90 days. I deposited {$15000.00} in new funds on XX/XX/year> via electronic transfer and kept the funds in the account for 113 days. I inquired with USAA customer service and was told my conditions were met but the bonus would not be credited until after XX/XX/year>. USAA is refusing to credit the promised bonus. I have spent hours speaking to USAA customer service with little feedback and no resolution.

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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
About XXXX years ago, I got a lawsuit from a car accident. The day I went and got the cashier check in question I also had another large cashiers check to the sum of XXXX that I was depositing so, I took XXXX made a separate cashiers check and then put it in an envelope and didnt think another thing about it when I got home I filed the envelope forgetting the check was in there. Bring us to current date. I have found it in my records and I need to cash it. The bank refuses to honor an XXXX cashier 's check that I physically hold in my hands. That I am remitter and purchaser at the XXXX XXXX branchg They claim it was cashed but can not provide a copy of the cancelled check. They are refusing to search their mandatory XXXX Texas escheatment XXXX to track where my funds were sent

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Sunday XX/XX/XXXX XXXX XXXX I tried to log on to my account. I loved in with an in correct password. I tried to change it, but it did not work, the second time I tried, the system locked me out. I talked to XXXX different on line banking representatives, the first XXXX told me she could not help, then hung up on me. I called back again and waited XXXX more minutes before another agent took the call. Because I was not treated well I asked the representative for there Operator ID, he immediately hung up on me. I talked to a third that took all my info then told me she would need to transfer me to the Business department, which she should have known was closed. MY COMPLAINT IS THAT US BANK HAS LOCKED ME OUT OF MY ACCOUNT. They tell me that I can not get access to my account for the next XXXX hours. I need to get access to my account as I need to pay a 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 2026-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I voluntary return the car and they said it was gone auction off for the full price but they didnt leaving me with a high balanced stew. I told him I am disabled. Im on Social Security now unable to pay that amount. They told me thats not my problem and then it showed up on my credit report. I said they told me they were gon na auction it off for close to what is old which is like {$6000.00} or maybe less and they did not do that all calls or recorded. I hope they could pull it up. I called them and it said that they were not supposed to report that on my credit report and I just got the run-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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deposited in XX/XX/year> and in XX/XX/year> and spending in the account totals {$6600.00} Leaving a difference of {$690.00} but my account is at XXXX. My account is constantly going negative which I cant understand as its a safe debt account meaning XXXX cant go negative. But I still do. I make transfers from savings before any purchase so I know the transaction is being funded and I verify the funds are token out after making a purchase. But somehow I end up negative. Id understand if it was because of tips for dinning but I havnt been to a restaurant lately and Id take that into account when making a transfer. The bank has been no help only giving me the run around. I think its hotel deposit hold that are not coming back as I make transfers for the deposits but never see funds come back. Again my account is like a prepaid card you only can spend whats in the balance. Ive been to a local branch and called all of XXXX with no guidance or assistance for the missing funds. Transactions are all valid and the numbers match what I calculated.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i was using wells fargo for around 1 year without any problem, and then i begin having some fraudulent activity on my account i reported it to wells Fargo and made some disputes the disputes reached a amount of almost XXXX XXXX Wells Fargo was very unhappy with the amount of disputes i made and decided to close both my business account and personal account without any explanation i tried to resonate with them to get some of my funds back that i lost from the fraudulent activity but never got a response from them they closed both my personal and business 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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Mortgage — USDA 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: Freedom Mortgage Company
State: WA

Complaint narrative:
In XXXX of XXXX we applied for the forbearance plan. In XXXX we made a full payment that covered XXXX amount. We were given XXXX months so the plan ended by the XXXX of XXXX. We ended up having to reapply for a forbearance plan again due to a bad car crash and was approved for that as well. We were given till the end of XXXX. XXXX XXXX I called and talked to XXXX of the representatives and was told that my options at the end of the month were to refinance at a higher rate for a new XXXX year loan and the monthly mortgage amount would be XXXX $ less each month. That that was my only option or pay off the outstanding balance from each month from XXXX. I informed that representative that I could not afford to refinance my loan at those terms. Adding XXXX to my loan was basically restarting my loan and adding more to my loan then I originally bought the house for. I informed him id get my taxes back and would rather pay off the amount which was only XXXX at that moment. He informed me to get on the app and make a payment by the end of the month. XX/XX/XXXX I got on the freedom mortgage app an made the payment the app requested me to make. There was no options to pay more or less just the given amount it asked. That payment reflects on XXXX billing statement but XXXX days after it got accepted they changed it and put that money into a suspense account and said it was not a full payment. I got a statement saying I had till XX/XX/XXXX to make a full payment of XXXX to avoid foreclosure. On XX/XX/XXXX i called to make a full payment and was denied because the account had already gone into foreclosure and they could not accept my payment. I was informed that my new balance was XXXX and was served papers that day and my house was photographed by an official. My online statements reflect different then what the representatives have told me. I have not been able to get anyone there to reason with me and I have over XXXX in equity into my home. I feel my loan was sold to a predatory company and this is the only outcome they hope to find. The lack of communication an options after my forbearance plan is dishonest and I cant afford to lose my home. My XXXX children dont deserve this.

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 2026-07-06 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: MD

Complaint narrative:
Hi, I purchased a Flight for myself and my husband to XXXX through XXXX XXXX. The ticket was purchased at a higher rate to be refundable. Within 2 hours of purchasing the ticket, I received news of my inability to fly to XXXX. I immediately called to cancel the ticket. The agent stated that they would issue a full refund in the amount of XXXX, but they only issued a partial refund. So, I disputed the difference with my credit card company Citi ; they at first granted me the difference in the amount XXXX XXXX would not refund ; the amount of XXXX. However, they recently retracted back this amount. The ticket was fully refundable, and I should receive the full amount of XXXX, especially considering I cancelled the flight within 2 hours of booking. Thank you for your help! Most 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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Last week, I attempted to initiate a {$1500.00} balance transfer from my XXXX XXXX Barclays credit card to my checking account. After submitting the request, the Barclays website displayed the message : " Something went wrong. Please come back later. '' Believing the transaction had failed, I then attempted a balance transfer to my XXXX credit card. Again, the system displayed the same error message, indicating that the transaction had not been processed. Because I also have an XXXX Barclays credit card, I completed the balance transfer from that account instead, and it processed successfully. The following day, I discovered that all three balance transfer requests from my XXXX XXXX credit card had actually been processed despite the error messages. XXXX {$1500.00} transfers were sent to my XXXX credit card, XXXX {$1500.00} transfer was deposited into my checking account, and I was charged XXXX separate balance transfer fees of {$75.00} each. I immediately contacted Barclays and explained that the duplicate transactions were caused by the system displaying an error message that led me to reasonably believe the transactions had failed. I requested that the balance transfer fees be refunded because they resulted from a system malfunction, not from my intent to make duplicate transfers. Barclays refused to refund the fees. I also requested an explanation of why the transactions were processed after the system reported they had failed. No explanation was provided. When I asked the account manager for her full name so I could document our conversation while escalating my complaint, she refused to provide it and stated that no one else could assist me. I believe Barclays ' system malfunction caused these duplicate transactions and the resulting fees. I am requesting that Barclays refund all three balance transfer fees, investigate the system error, and provide a written explanation of its findings.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
I saw waypoint resource group on my credit score for XXXX dollars, I did not know what it was for. I proceeded to call them with the information provided on their website to ask where the original debt was owed and if they could provide me written information to prove this debt was in fact mine. The man I talked to said he can not give me that information without me paying a {$1.00} fee. I told him I just need to know where the original debt was from he then again told me he can not provide that to me without charging me a {$1.00} fee and there was nothing more he could do for me. I told him thats not legal and he told me hes been working for this company for 7 years and they have been doing that for 7 years. I asked to speak to a supervisor he told me none were available. I asked if he could have a supervisor call me back he told me that he can try if they have time. I asked again why he couldnt provide me with the original companies name and he told me yet again that I have to pay everyone has to pay and I can pay credit debit or prepaid card or I could even pay with a digital card. I read him Ohio revised code XXXX and XXXX and he told me I can read that all I want but it doesnt change the fact that I have to pay the 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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
b"I purchased a vehicle online from a website called XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX I won a vehicle and was instructed to wire the funds to US Bank Account# XXXX Routing# XXXX Bank address XXXX XXXX XXXX XXXX IL XXXX\nBeneficiary Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I wired XXXX from my XXXX XXXX account on XXXX XXXX. Recently I googled XXXX address and is a vacant house on XXXX. Wonder how US Bank allowed to open an account.\nThe vehicle was scheduled to be delivered to me on XXXX, XXXX XXXX. The shipping company: XXXX XXXX XXXX XXXX XXXX XXXX texted me and told me the delivery will take place the next day, on XXXX morning.\nNever got delivered. After further research, I found that XXXX is a scam site. There are live auctions every day. I contacted my bank, XXXX XXXX and filed a claim and received a letter they will not be able to recover the funds. I file online with few agencies include FBI but no response. The seller does not respond to my emails or calls. The site XXXX.XXXX is running and they keep listing the same vehicles they already sold once. \nMy opinion is to contact the US bank and ask for refund. They never verified the beneficiary when the account was opened. The entity is not register with the state of IL and the residency is fake."

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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PayNearMe MT, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding an unresolved payment dispute involving XXXX, a debit card transaction processed through PayNearMe, and a payment made to XXXX. On XX/XX/year>, I made a payment to XXXX using my XXXX debit card. Due to an overpayment, XXXX initiated a return of approximately {$200.00} to my original payment method. Despite numerous attempts to resolve this issue over many months, the returned funds have never been credited back to my account, and no company has been able to explain where the money is currently located. Throughout this process, I have diligently contacted XXXX, XXXX, and PayNearMe on numerous occasions. XXXX informed me that it confirmed with PayNearMe that the funds were released on XX/XX/year>, and that the money was in transit within my bank 's system. PayNearMe repeatedly informed me that the chargeback remained open and directed me back to my bank. XXXX investigated my dispute but never provided documentation showing where the funds ultimately went or whether the returned payment was successfully received or rejected. Instead, each company has directed me to another party while the funds remain unaccounted for. I have retained emails documenting my repeated efforts to resolve this matter, including requests for payment traces, confirmation numbers, correspondence between the companies, and status updates. Despite my continuous efforts to resolve this issue in good faith, XXXX has now placed the disputed amount into collections. I believe this is unfair because the underlying payment dispute has never been properly investigated or resolved. I have attached supporting documentation, including email correspondence from XXXX, PayNearMe, and XXXX, dispute documentation, and payment confirmations showing my repeated attempts to resolve this matter. I am requesting the CFPB 's assistance because this issue has remained unresolved despite my repeated good-faith efforts, and I believe a full investigation is necessary to determine the location of my funds and resolve the resulting collection activity.

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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
On XXXX, I initiated a Domestic wire transfer to make a down payment on a car. The dealership is one that specializes on selling XXXX XXXX care to XXXX military personal overseas. It was a XXXX XXXX. the amount was for {$16000.00}. I followed the directions given to me by the dealership to use an intermediary bank to get the money transferred to the final account. The intermediary bank being XXXX XXXX out of XXXX and the final account being XXXX XXXX XXXX. The money left my account on XXXX. I was then informed by the dealership that despite the money leaving my account, the money never showed up on theirs. After call USAA, ended up finding out that the directions weren't sufficient and I ended up not entering enough information for the money to get to the final account in the XXXX. since then I have made XXXX XXXX attempts, and a XXXX attempt by USAA. I have already filled a complaint on XXXX ( XXXX ) for not responding to these requests. I a 'm also filing this complaint on USAA. From one USAA 's own bankers, I was informed that the money should've never left my account in the first place since the final account doesn't exist in the XXXX but in the XXXX, and this was a domestic wire request, not an international one.

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 2026-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I recently deposited a {$27000.00} check from XXXX to my Midfirst savings account last Thursday ( XXXX ). The bank manager ( XXXX XXXX XXXX told me that I would have only partial access to my funds ( approx XXXX ) on XXXX ( today ), but the remainder is on hold until XX/XX/year>. He told me the computer placed this hold since my savings only had less than {$1200.00} and the hold was triggered, even though I am holding a XXXX CD worth over {$35000.00}. He did not offer to override. He also told that I do not have access to interest until XX/XX/year>, even though the check should have cleared the Fed on your side. Although the account pays minimal interest, it is the principle of being told incorrectly that they are keeping the interest. I know this is more of a customer service issue, however I think it is against the law to keep interest once it has cleared on their end. Certainly not for XXXX weeks

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