vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage is withholding payoff overpayment. They claim the SCRA interest rate reduction was a 'subsidy ' that they can retain. Under 50 U.S.C. 3937 ( a ) ( 2 ), interest above 6 % is legally forgiven, not subsidized. This forgiveness permanently reduced my legal payoff balance. Retaining my overpayment after the loan was satisfied on XX/XX/XXXX violates federal law. In the Payoff Statement dated XX/XX/XXXX the funds in 'Subsidy/Buydown ' explicitly show {$0.00} while 'Less Unapplied Funds Balance ' shows {$1300.00}. By their own accounting there is no legal basis to withhold my capital under a subsidy claim as they weren't subsidizing my loan but holding my own funds unapplied against me. I have attached my payoff statement and last mortgage statement. On page XXXX of my final Freedom Mortgage statement dated XX/XX/XXXX, XXXX days after my loan was fully satisfied, Freedom Mortgage processed a transaction labeled as a 'Payment ' in the amount of {$5300.00} ( reflected on the ledger text line as a credit transfer ). I did not authorize or send a separate payment after my payoff. This represents the sweeping of my overpaid capital. Freedom Montage claims this money belongs to them because the loan was 'subsidized. ' Under 50 U.S. Code 3937, all interest above 6 % under the SCRA is strictly forgiven, not subsidized. Freedom Mortgage is using an internal 'Payment ' line item to illegally retain my overpayment funds to offset legally forgiven interest. I demand a full audit of this {$5300.00} transaction and a immediate refund of my overpayment. Furthermore, in XX/XX/XXXX after the loan was satisfied, I contacted Freedom Mortgage by phone regarding this account closeout and was explicitly, verbally assured by a representative that this {$5300.00} overpayment balance would be fully returned to me with the escrow and unapplied funds. The company is now contradicting its own verbal agreement and its own documented ledger.

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 2026-06-15 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 used my Wells Fargo debit card via XXXX XXXX to pay {$100.00} for a tattoo service. On XX/XX/year>, I paid an additional {$150.00} via the same method for the same service, totaling $ XXXX.The service provider continuously rescheduled the appointments and eventually stopped responding entirely, changing his phone number to evade contact. I located his new number and reached out again to request fulfillment or a refund, but received no response. Services were completely unrendered.I filed a formal dispute with Wells Fargo for " Services Not Rendered '' and provided complete screenshot evidence of the agreement, the payments, the cancellations, and the merchant 's flight. Wells Fargo denied my claim, stating " no error was made. " This is a violation of my consumer rights. Under Federal Regulation E and XXXX network rules, point-of-sale debit transactionsincluding those funded via mobile wallets like XXXX XXXX fully eligible for dispute arbitration when a merchant fails to deliver the contracted service. Wells Fargo failed to properly investigate this merchant fraud or utilize the card network 's chargeback mechanism to reverse the funds from the recipient 's bank. .I am requesting that Wells Fargo immediately reopen this case, review the attached text evidence, and credit the {$250.00} back to my checking 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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was drawn to Truist Bank because I wanted a more personalized banking experience, and their {$400.00} new-customer promotion seemed like a good incentive to give them a try. Unfortunately, since opening my account online and making my initial deposit, my experience has been nothing but delays, confusion, bank-imposed restrictions, misdirection, and what I consider extremely poor customer service. At this moment, Truist has more than {$3800.00} of my money that I can not access. I have been told to wait patiently while the issue is resolved, even though the problem appears to have been caused by an error on their end. I deposited a {$1500.00} check on XX/XX/2026 at a Truist branch in XXXX, Texas. The next day, my account was closed because of an alleged fraudulent deposit of more than {$15000.00}. I did not make that deposit, and it does not appear in my online account information. I never received any notification from Truist that there was a problem. I only found out because I called Truist this morning ( XX/XX/2026 ) after repeated attempts to use my debit card were declined. So now I am left with my money unavailable, no clear explanation, and no meaningful resolution other than being told to wait. I do not know what the next couple of days will bring, but after doing some exhaustive online research, I found that this " scam '' has happened repeatedly to other people. Please help me get my money back! I am XXXX and need to pay rent, gas, electric, etc...

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 2026-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against M & T Bank regarding their refusal to complete an escrow analysis on my mortgage account. I am a XXXX veteran and currently hold a property tax exemption, which I believe should be taken into account during this process. On XX/XX/XXXX, I sent a certified letter from the county to M & T Bank, and I have also submitted a notice of error letter. While M & T Bank sent secure messages on XX/XX/XXXX and XX/XX/XXXX stating that tax amounts have been adjusted to reflect the tax exemption, they are still attempting to collect amounts for XXXX and XXXX that include the tax. Furthermore, M & T Bank has informed me that they can not perform the escrow analysis because my account is currently in loss mitigation. This response is concerning, as I understand that the bank has a responsibility to provide accurate and timely analyses regardless of my current status. I have not been able to make XXXX and XXXX payment due to financial hardship. The lack of completion of this analysis is not only affecting my financial planning but is also complicating my ability to manage my property taxes effectively. Given my status as a XXXX veteran, I believe I should receive appropriate accommodations in this matter. M & T Bank has refused to refund the collected property taxes from XXXX through XXXX, as I am entitled to the exemption. I find this completely unacceptable. I kindly request that the CFPB investigate this issue and assist in ensuring that M & T Bank fulfills its obligations regarding escrow analysis. Thank you for your attention to this matter.

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 2026-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loss mitigation process began in XX/XX/XXXX. In XX/XX/XXXX, LoanCare sent me a letter stating my package was complete, and in XX/XX/XXXX, my case was escalated to supervisor review. I never received a written denial at that time. On XX/XX/XXXX, LoanCare again sent me a letter stating that my loss mitigation application was complete and that I was entitled to foreclosure protections. Four days later, on XX/XX/XXXX, they denied my application for an invalid FHA reason ( You have not made 4 or more principal & interest payments ). They did not perform a proper FHA waterfall review. They did not offer a trial modification, repayment plan, partial claim, or forbearance. During this time, I received conflicting instructions from multiple LoanCare representatives. I was told not to call Loss Mitigation, then told to call them, and at one point was told to get a lawyer. I logged all calls in my notebook because most occurred while I was working. LoanCare continued collection activity while my complete application was under review, including calls demanding payment and a reinstatement demand of {$17000.00} on XX/XX/XXXX. My XX/XX/XXXX, mortgage statement shows a reinstatement amount of {$20000.00} and states I am 229 days delinquent. This occurred despite my application being marked complete on XX/XX/XXXX. I was sick and in and out of the hospital during this period, but I responded to every letter and submitted all documents requested. LoanCares handling of my application was inconsistent and confusing, and it did not follow FHA or CFPB servicing rules. I am requesting a full review, correction of errors, and proper evaluation of my complete application.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/year> - Wells Fargo ATM ( XXXX, XXXX XXXX XXXX ) error message received when depositing a check for {$7900.00}. ATM did not deposit money or return the check. Claim # 1 submitted online : Ref. # XXXX. ( 10 day promise by Wells Fargo to resolve issue ) Original check was issued through XXXX XXXX due to me being in a car accident where car was totaled. XX/XX/year> - Wells Fargo closed claim without my knowledge and without a resolution. XX/XX/year> - New claim opened over the phone through Wells Fargo. Submitted a new claim ( # 2 ) through the Claims Dept. at XXXX. Ref. # XXXX. Checking account credited {$0.00}. ( new 10 day promise by Wells Fargo to resolve issue ) XX/XX/year> - Claim # 2 did not exist in the system and I had been given a false claim number according to Wells Fargo Branch Manager in XXXX, NC ( XXXX XXXX ). Claim # 3 submitted in person, Ref. # XXXX. Claim sent to the Escalations Dept. ( XXXX ) and Wells Fargo Case I.D . given ( XXXX ). ( XXXX day promise by Wells Fargo to resolve issue ) XX/XX/year> - Case reassigned to a person who was on vacation - received " out of office '' message. Claim # 4 submitted, Ref. # XXXX. ( new 10 day promise by Wells Fargo to resolve issue ) XX/XX/year> - Case reassigned ( new 10 day promise by Wells Fargo to resolve issue )

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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am formally disputing the following accounts as fraudulent and unauthorized. I have never entered into a contractual agreement with these entities, nor have I received any benefit from them. As these accounts lack permissible purpose and constitute inaccurate reporting, I demand their immediate block and deletion from my credit file. Failure to rectify this within 30 days will result in a formal complaint to the CFPB and the FTC for statutory damages. ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XX/XX/year>

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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Accounts CHARGEOFF/COLLECTION-related accounts Data Reporter Name I.C. SYSTEM, INC Data Reporter Street Address XXXX XXXX XXXX Data Reporter City XXXX XXXX Data Reporter State MN Data Reporter Postal Zip Code XXXX Data Reporter Telephone Number XXXX Data Verifier Internal Code Identification Number ( 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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding the closure of my Citi credit card accounts and the loss of rewards and annual fees connected to those accounts. I had three Citi credit cards : a Citi XXXX XXXX card that had never been used, a XXXX XXXX Visa that regularly carried a balance but was consistently being paid, and a Citi XXXX card that had not recently been used but had continued to receive payments. On XX/XX/XXXX, I made a {$500.00} payment on the Citi XXXX card, but that payment was returned the same day. After that, I made another {$500.00} payment on XX/XX/XXXX, and another {$500.00} payment on XX/XX/XXXX. I was continuing to make payments and trying to keep the account in good standing. Without any phone call, email, or clear advance notice giving me an opportunity to address the matter, Citi closed the account. Then, all of my Citi credit card accounts were closed, including the Citi XXXX XXXX card that had never been used. When I contacted Citi, no one was able to clearly tell me why all of the accounts were closed or what could be done to correct the situation. The letter I received from Citi did not give a specific reason. It only stated that the account could have been closed for several possible reasons. Because it did not identify the actual reason Citi relied on, I do not feel I was given a fair opportunity to understand, correct, or resolve the issue. As a result of these closures, I was also told that I could not be reimbursed for annual fees and that the rewards connected to the accounts were forfeited. Those rewards were significant and had accumulated to thousands of dollars. I am not trying to avoid responsibility for any payment issue that may have occurred. I am asking for a fair review because payments were made after the returned payment, the closures affected multiple accounts, and I was not given a clear opportunity to correct or resolve the matter before losing access to the accounts, fees, and rewards.

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 2026-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I first reached out to Rocket Mortgages tax team on XX/XX/XXXX or XXXX to let them know about the certified letter I had received. The letter stated that if the Property Taxes were not paid in full by XX/XX/XXXX the property would go to a tax auction. They said they would submit the issue and get these property taxes taken care of. The next Monday XX/XX/XXXX I reached out to the Property tax department again and they said I need to send in a copy of the bill and the certified letter. Still nothing was done. I reached out again XX/XX/XXXX and ended up speaking to one of the tax supervisors and she said she was escalating the situation to the Research team and copying everyone on it. Still nothing had been taken care of. On XX/XX/XXXX I reached out and she apologized that their system had been down and thats probably why nothing had been taken care of the week prior but that she was on it escalating it again. I called everyday last week and was told they had been in touch with the tax department but still nothing had been paid. I called this morning and got the same run around. Today XX/XX/XXXX is a month since this began and nothing has gotten taken care of. I also called the tax department and they said there are no notes that anyone from Rocket Mortgage has been in contact with the tax department to find out balances owed or anything. I want this taken care of immediately. Please let me know what else I need to do. Thank you so much.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I am filing this complaint regarding Kia Finances mishandling of a {$660.00} refund check and their failure to properly maintain and update account information. Kia Finance advised me that a refund check in the amount of {$660.00} was mailed on XX/XX/year>. As of XX/XX/year>, the check has not been received. During multiple phone calls with Kia Finance, I learned that the check was mailed to an old address despite my address having been updated for some time. I was further informed that Kia Finance updated the address associated with my name, but failed to update the address associated with my husbands name on the same account. The refund check was then issued solely in my husbands name and mailed to the outdated address. We have an active XXXX mail forwarding order in place, and XXXX has confirmed that mail sent to our former address is being forwarded to our current address and even has a note on our mailbox to forward all mail to our new address. We were also given access to the old mailbox by the homeowner, which we checked several times. Despite this, the refund check has still not been received. I have contacted Kia Finance on multiple occasions requesting that the original check be voided and reissued to the correct address. I have also requested that they correct the account records to reflect the proper address information. Each time, I have been told to continue waiting rather than having the issue proactively resolved. Additionally, I do not see any indication of this {$660.00} refund or check issuance when I log into my online account, making it impossible for me to independently verify the status of the refund. The last representative I spoke to said it is not shown on the website anymore, and then the line disconnected. Kia Finances phone lines are constantly disconnecting.

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 2026-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: IL

Complaint narrative:
I opened the account on XX/XX/XXXX and met all the requirements to get the {$100.00} bonus. One of the requirements was to have a Direct deposit of {$400.00} in 60 days. I completed that on XX/XX/XXXX and kept that for more than 90 days until today XX/XX/XXXX. But they have not issued me the {$100.00} bonus yet. I was supposed to get that {$100.00} bonus by XX/XX/XXXX. I have reached out to them multiple times. One time they said that they would give me the bonus by XX/XX/XXXX but they did not provide that. I reached to them again today on XX/XX/XXXX and they are saying that I needed to 3 direct deposits instead of one direct deposit which is not mentioned anywhere. In summary, they are trying to deny me the {$100.00} bonus. They have a history of doing this with other account holders as well.

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