vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We are writing to formally request the CFPBs urgent intervention regarding the predatory and uncooperative actions of Shellpoint Mortgage Servicing. My husband and I are a hardworking family of XXXX, currently working seven days a week to recover from sudden, temporary income shocks : my husband experienced setbacks with his XXXX contract, and I unexpectedly lost XXXX XXXX XXXX deals in escrow simultaneously. Despite our proactive communication, calling Shellpoint nearly every day since our hardship began two months ago... they have completely refused to offer any meaningful loss mitigation, rejecting our repeated requests for a short-term repayment extension or plan. Furthermore, on XX/XX/2026, Shellpoint summarily denied us a loan modification under the blanket claim that it has been less than 12 months since our loan 's inception, displaying a complete disregard for the CARES Act or standard investor flexibility guidelines regarding immediate hardships. Instead of working with us in good faith to secure payments, Shellpoint is actively exacerbating our financial distress by tacking on exorbitant late fees of {$1600.00}. We have clearly communicated that my real estate pipeline has completely turned around and things look extremely promising for near-future payments, yet Shellpoint refuses to bridge the gap. If Shellpoint is permitted to push us into foreclosure, it will permanently destroy my XXXX XXXX career and severely damage my husband 's XXXX career as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, entirely cutting off our family 's income stream. We are dedicated, tax-paying Americans acting in good faith, and we beg the CFPB to compel Shellpoint to halt late fee escalation and provide us with a fair, immediate repayment or deferment plan.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied for an apartment that advertised the application fee and admin fee waived. When I was almost done it was requesting a payment of {$75.00} for the application fee. I called the leasing office and XXXX informed me that the fee would be waived but I had to pay first. When I reached back out after payment was completed, XXXX informed that she couldn't reimbursed the fee even though she stated otherwise. I then filed a dispute with Wells Fargo and was later denied stating XXXX the property manager wanted me to handle it with her. I informed them that I did try to handle it with them first and have documented proof. I was still told by the agent there was nothing they could do. This is the second time I have filed a claim that was denied and I was denied the opportunity to provide my proof. I also tried to reach out to XXXX with the agent on the phone so he could see that she was avoiding talking to me as usually.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
Fair Collections & Outsourcing, LLC continues to report a disputed collection account on my XXXX XXXX XXXX XXXX credit reports despite my previous disputes and my good-faith efforts to resolve this matter directly with the company. This collection account remains on my consumer credit reports dated XX/XX/year>, even though I have challenged the accuracy and completeness of the information being furnished. After disputing this account, I did not receive a response that adequately addressed the specific issues I raised or demonstrated that the disputed information had been substantiated through a reasonable review. Instead, the account continues to be reported without resolving my concerns. Because this unresolved collection account continues to negatively affect my credit profile, I submitted a complaint to the Consumer Financial Protection Bureau. I am requesting the CFPB 's assistance to ensure that Fair Collections & Outsourcing, LLC complies with its obligations under the Fair Credit Reporting Act by accurately reporting consumer information and appropriately addressing disputed information. My goal is to have my credit reports reflect only information that can be substantiated as complete and accurate.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I was charged two separate {$36.00} overdraft fees on my Truist business checking account, totaling {$72.00}. I believe both fees were charged in error. My balance was running low, so I initiated a {$10.00} Truist online transfer into the account. My first attempt did not go through and appeared to fail due to a website or connection error on Truist 's end. I tried again, and the second transfer went through successfully. After that {$10.00} deposit, my account balance was approximately positive {$3.00}, which covered the outstanding transaction and kept my account positive. Despite my account being positive after I made that deposit, I was charged overdraft fees on a single {$10.00} XXXX transaction. While that one {$10.00} charge was still pending, I was charged a {$36.00} overdraft fee. Then, when that same {$10.00} charge posted, I was charged a second, identical {$36.00} overdraft fee. That is two {$36.00} fees on one and the same {$10.00} item. This directly contradicts Truist 's own written policy. Truist 's fee disclosure states the overdraft fee is " {$36.00} per item, '' and defines an overdraft fee as one charged when a transaction " is paid with negative funds. '' My single {$10.00} transaction was charged twice, and one of those fees was applied while the charge was merely pending and had not yet been paid. Truist 's policy also states that if I deposit money to cover my transactions by the daily cutoff, I will not be charged an overdraft fee. I made a deposit that brought my account to a positive balance, yet I was still charged. I attempted to resolve this with Truist three separate times. I called twice and was refused both times. One representative told me the fees could not be reversed because " the system will not allow it '' and that " only the system allows for disputes, not a manager. '' Another told me the fees most likely could not be waived because my account was too new. I then went into a branch in person and was told the bank could not do anything because it is a business account, and that fee waivers " don't work '' for business accounts. At no point was I given any real way to formally dispute the fees.

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 2026-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing multiple fraudulent items on my credit report. None of these accounts belong to me. 1. An auto loan account opened XX/XX/year> with a reported balance of {$12000.00} is fraudulent. I never applied for, signed for, or authorized this auto loan. This account is the result of identity theft and must be removed. am disputing all of these accounts as fraudulent and the result of identity theft.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Take my account off the derogatory report never used card. It has a XXXX balance so why does it need to be looked at.

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 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: EASTERN BANKSHARES INC
State: NH

Complaint narrative:
I attempted to remove PMI from my mortgage. Eastern bank did not allow removal of PMI insurance because they alleged that I was late more than 30 days on payments at some point in the last 12 months. This is inaccurate. I have no record of being late either via written notification of such or credit report history. When I requested proof of this in a dispute Eastern Bank did not respond and has not responded per regulatory requirement.

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 2026-06-30 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: TX

Complaint narrative:
XX/XX/scrub>XXXX - I rented a car, and placed {$380.00} for the charges and deposit. XXXX - I returned the car, and a credit of {$300.00} was applied to my card. The credit never appeared on my account, I called XXXX, they stated that as shown on the receipt my card was credited. I filed a dispute with CitiCard and the claim is denied. I called today and was informed it's reopened, but they waiting on XXXX to respond and that I should call them and ask for the refund - which makes no sense as I've already spoken to them and have proof they refunded it.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
There are 3 checking account with my name associated with them. My husband 's, myself and my sons. My sons had a child account and when he became an adult my name dropped off his account. I can't call and ask anything about his account, no information can be given to me when I call. This is what was told to me when he had fraud connected to his account. Since the fraud on his account, if he doesn't have the funds for his car note or insurance they will reach to my husband 's account and take the money out. This has happened multiple times. We called about this. They said. Because my name is connected to all 3 accounts. Which is not correct. They never go in my account to take funds, only my husband 's. My sons name is not on my husband 's account so they should not take money out of that account for bills associated with another 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 2026-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Unfortunately Wells Fargo continues to be vindictive by withdrawing money from my account but not applying the payments to the account. And plus theyre charging me more than the money that the whole mortgage was in which was only {$75000.00} and now its a total of {$89000.00}

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 2026-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I am filing this complaint because a XXXX account was opened in my name without my knowledge or authorization. I have never opened this account, never received service under this account, and never agreed to any charges associated with it. I contacted XXXX directly to investigate this matter. After searching their records, XXXX informed me that they could not locate this account in their system. Despite this, a collection account from Diversified Adjustment is being reported on my credit report and identifies XXXX as the original creditor. This account is fraudulent and is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: AL

Complaint narrative:
I have been contacted almost daily by a company that identifies as Structured Settlement. They have use threatening language. They state they will have to escalate my file further but can not say to what. They have contacted family members stating they are attempting to collect a debt and use my name. I requested written validity of the debt and they sent me an email. They will use multiple spoofed phone numbers from my area. When you look up the number, it will show it is from another business or organization. You can not look up Structured Settlement on the internet either. I have attached some numbers they have called from as well as voicemails.

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 2026-06-30 00:00:00
Product: Mortgage — FHA 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I'm filing this complaint with respect to my repeated attempts to resolve my foreclosure situation with Shellpoint loan servicing. There are a number of Respa and servicing guidelines that Shellpoint has failed/refused to follow and now, as I'm trying to resolve this matter, I'm being cornered with only a liquidation option. I've attached all the points that we are requesting shell point to respond to but have been unable to get even a customer service representative on the phone to do so. The attached XXXX XXXX THRU XXXX TIMELINE OF EVENTS WITH SHELLPOINT document is my explanation of what has happened and ; The attached XXXX SHELLPOINT VERIFICATION document has the questions that Ive been trying to get answered for a month now - unsuccessfully

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 2026-06-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I made a payment error of {$1000.00} from my U.S. Bank ReliaCard, which contained my unemployment benefit funds. That payment resulted in an unintended overpayment of {$720.00} to my apartment community. After numerous documented attempts to resolve the matter directly with my apartment community 's Regional Manager, who declined to refund the overpayment, I contacted U.S. Bank on XXXX XXXX XXXX to dispute the transaction and requested a provisional credit. During that call, I explained the immediate financial hardship I was experiencing and subsequently uploaded supporting documentation to substantiate my claim. A U.S. Bank representative confirmed that the documentation had been received. Despite my timely dispute and supporting evidence, U.S. Bank did not issue a provisional credit within the timeframe prescribed by 12 CFR 1005.11. As a result, I was and continue to be deprived of access to funds needed for essential living expenses, including food, transportation, hygiene products, and other necessities, causing significant and compounding financial hardship. I respectfully request that the Office of the Comptroller of the Currency investigate U.S. Bank 's handling of this dispute, including whether its dispute investigation and provisional credit procedures complied with applicable federal consumer protection requirements and whether its practices may have affected other consumers in similar 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 explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: OH

Complaint narrative:
hello i withdrew to my closed XXXX account on XX/XX/XXXX and today is XXXX XXXX and still my money is not there. Before from XXXX when i regained access to the account XXXX kept asking me to withdraw to that account ending in XXXX which i repeatedly did and every time without fail the money was credited back and they kept asking me to witdraw there before they allow another bank. but when i did on XX/XX/XXXX i still has not come back and when i login it says account closed with no way of knowing where the money is, i asked them for updates and they keeps answering with vague reponses. XXXX XXXX number # 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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am an established Wells Fargo customer with an account in good standing for over a year. On Saturday, XX/XX/XXXX, I proactively called Wells Fargo before depositing a valid {$7800.00} check from my college university to confirm the hold timeline, explicitly stating I live in a rural area and can not easily visit a branch. The agent guaranteed me that all funds would clear by XX/XX/XXXX, and that my legally protected {$270.00} statutory portion would be available today, XX/XX/XXXX. Relying on this guarantee, I made the mobile deposit. Today, XX/XX/XXXX, Wells Fargo completely withheld my statutory {$270.00} in direct violation of federal Regulation CC. Furthermore, when I called to escalate, agents stated they extended the hold on the entire amount until XX/XX/XXXX. They told me to contact the issuing bank XXXX XXXX XXXX XXXX XXXX ) because the issue lay with them. I contacted the issuing bank immediately, and they verified the check is valid, the account is fully funded, and that Wells Fargo has not even made an attempt to route or cash the check from their records. Wells Fargo threatened that if the check fails an internal overnight process on XX/XX/XXXX, it will be marked invalid, leaving me unable to cash it anywhere. This broken agreement, contradiction, and unlawful hold are causing me severe, immediate academic and financial hardship. I request an immediate executive override to release my statutory 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 2026-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The account was opened in XX/XX/year> with an initial deposit of {$80.00}. I received my debit card, but when I tried to activate it, I was informed that the account was already closed and could not be activated. Since then, I have called to ask why the account was closed, but I have not been given any explanation. I have also visited branch offices, where I was told they could not assist me and that I needed to call customer service. When I call, I am told that a check will be mailed to me. My address has been confirmed multiple times, but I have never received the check or my 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 monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2026, I attempted to deposit cash into my Truist account at the Truist ATM located at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. During the transaction, the ATM malfunctioned and kept my cash without depositing it into my account or returning it to me. I immediately reported the issue to Truist and filed a claim. I provided all of the requested information, including the ATM location, the date and time of the transaction, and the ATM receipt. I was told the claim would likely be resolved within approximately five business days and that my funds should be available by Friday. As of XX/XX/2026, I still have not received my money. I have contacted Truists claims department multiple times, and each time I have only been told that my claim is still processing. I have not been given a meaningful explanation for the delay or a clear timeframe for when my funds will be returned. I have also requested to speak with a manager because the timeframe I was originally given has already passed. The cash I deposited was a significant portion of the money I had set aside to pay my rent, which is due in two days. Because Truist has not returned my funds, I am now uncertain whether I will be able to make my rent payment on time. This delay has caused me unnecessary financial hardship and stress, despite the issue resulting from a malfunction of Truists own ATM.

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