vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I opened a Wells Fargo XXXX XXXX XXXX XXXX because of a promotional offer that included a {$500.00} cash rewards bonus after making {$5000.00} in qualifying purchases within the first XXXX months of account opening. The application was submitted and approved on XX/XX/year>2026. Wells Fargo has stated that the card was mailed on XX/XX/scrub> 2026. However, I did not receive the card in time to reasonably complete the required spending within the promotional period. The delay in receiving the card was outside of my control, and I could not make purchases on a card I had not yet received and activated. I later contacted Wells Fargo regarding the issue and opened a case. Wells Fargo denied the request to honor the promotional bonus. I then reopened/escalated the matter for additional review. Wells Fargo again denied the request in a written response dated XX/XX/scrub> 2026. In that response, Wells Fargo acknowledged the promotional offer, confirmed that the card was mailed XXXX days after approval, and stated that Wells Fargo is not responsible for the length of time mail delivery takes after the card is shipped. Wells Fargo also stated that the account did not meet the {$5000.00} spending requirement within the first XXXX months of account opening and therefore did not qualify for the {$500.00} bonus. I believe this is an unfair outcome. Wells Fargo marketed a promotional incentive that caused me to open the card, but the spending period was measured from account opening even though I did not yet have possession of the card and could not use it. The delay was not caused by me, and Wells Fargos position effectively makes the customer responsible for delivery delays before the customer can actually begin using the card. I am requesting that Wells Fargo honor the {$500.00} promotional bonus, or alternatively recalculate or extend the promotional spending window based on the date the card was actually received and activated rather than the account approval date.

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 2026-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Description of Error Disclosed Payment : According to my finalized Closing Disclosure ( CD ), my total monthly mortgage payment was legally disclosed as {$4900.00}, which explicitly included a monthly projected escrow payment of {$1200.00}. Actual First Bill : Despite the binding disclosures signed at closing, my very first monthly billing statement demanded a payment of {$5700.00}. The Cause : Upon investigation, M & T Bank 's XXXX department failed to realize prior to closing that the escrow account was in a shortage position. This shortage should have been calculated, straightened out, and properly disclosed in the loan documents before closing. Because it was not, the bank is now improperly attempting to collect a payment that drastically deviates from the legally binding closing documents. Attempts to Resolve I have made multiple attempts to have this issue fixed with your customer service and mortgage teams to no avail. Furthermore, my M & T Bank Loan Officer explicitly stated prior to/at closing that this escrow shortage would be fixed and entirely cleared up. I retain the full message and email traffic confirming these assurances from her.

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 2026-07-01 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: WI

Complaint narrative:
XXXX took 2 unauthorized transactions out of my account on XX/XX/XXXX in the amounts of {$100.00} and {$52.00} for something called XXXX XXXX which I have never heard of. I have tried resolving this with both XXXX and my bank Moneylion and both of them have refused to give me my money back breaking federal law. I need help in this matter so my money can be returned.

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 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I FINANCED A XXXX XXXX XXXXXXXX WITH WELLS FARGO. I LOST MY JOB. THE DEBT WAS CHARGED OFF, AND THE VEHICLE WAS REPOSSESSED AND SOLD AT AN AUCTION.

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 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Arvest Bank charged my savings account a {$290.00} lump-sum penalty fee on XX/XX/year>, labeled 'Total Excessive Tran Fees ' for automated online transfers between my own accounts. When I contacted a bank supervisor to request a courtesy waiver, I was denied and given conflicting/false information claiming these were federal regulatory or 'FDIC ' charges XXXX Because the Federal Reserve lifted the mandatory limits on savings transfers, this is an internal Arvest policy. A {$290.00} penalty for basic online transfers is predatory, excessive, and has forced my account into a negative balance. I am requesting a full reversal of these internal 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 2026-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I want the servicer to remove the prepayment penalty from my payoff statement unless it can produce a signed original loan document that clearly authorizes the fee. I also want a complete copy of the Promissory Note, Closing Disclosure, Security Deed, any riders or addendums, a full payoff breakdown, and a written explanation of when and why the prepayment penalty was added to my account. I believe this is an unauthorized payoff fee and/or loan boarding error after servicing transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi there, I am submitting this complaint against Citibank , N.A . regarding its handling of my checking and savings accounts. Citibank blocked and subsequently closed my accounts without providing a meaningful explanation or identifying any specific violation of its account agreement or applicable law. At the time my accounts were closed, my combined account balance was approximately {$19000.00}, consisting of my own legally owned funds. Citibank informed me that my remaining funds would be returned. However, despite the passage of time and my repeated attempts to obtain assistance, I have still not received my money. I have also not been provided with a satisfactory explanation for the delay or the continued withholding of my funds. As of today : XX/XX/XXXX My accounts have been closed. XX/XX/XXXX Approximately {$19000.00} belonging to me has not been returned. XX/XX/XXXXI have not received the promised check or payment. XX/XX/XXXX Citibank has failed to provide a clear explanation regarding the status of my funds or when they will be released. I respectfully request that Citibank immediately : XXXX. Return my full account balance of approximately {$19000.00} without further delay. XXXX. Provide written confirmation of the current status of my funds. XXXX. If a check has been issued, provide the check number, mailing date, mailing address used, and any available tracking information. XXXX. If no check has been issued, explain why my funds continue to be withheld and provide the legal or contractual basis for doing so. XXXX. Provide the specific reason my accounts were blocked and closed. I believe it is unreasonable for a financial institution to retain a customers money after closing the customers accounts without providing a clear explanation or timely returning the remaining balance. I respectfully request that the appropriate regulatory authority investigate this matter and assist in ensuring the prompt return of my funds. Thank you for your attention to this complaint.

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 2026-07-01 00:00:00
Product: Mortgage — Conventional home 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was in a 3 trial period for a permanent loan modification. I started making payments in XXXX, XXXX and XXXX in the amount of {$1400.00} each month. I started the forbearance in XXXX of XXXX due to a hardship. I was laid off from my job and was unemployed for a period of time. When I was finally able to secure employment, I notified the bank that I would like to look at options to start paying back the loan. We ultimately went with the loan modification because it was the most affordable. See above the trail period and payment structure. Once the XXXX payment was submitted, I was notified that I would receive documentation by mail that had to be notarized and signed by XX/XX/XXXX. I received the documentation and had it notarized and signed by XX/XX/XXXX and sent in the mail for next day air. I checked that it was delivered and signed for on XX/XX/XXXX. On the XXXX I paid {$1000.00} as an acceptance or fee for the permanent loan modification, assuming that documentation was submitted correctly. Today, on XX/XX/XXXX I call the bank to make my XXXX payment. Upon making my payment, the individual on the phone tells me that my documentation has been denied. That is the first time I have been told the documentation has been denied. The bank usually calls me ( as they did to tell me the initial documents were being sent out ) for any issues or to check if I received documentation. They did not do that in this case. They also stated they sent out new forms to be signed on the XXXX. Mind you, the due date is the XXXX. I was not home to receive the documents that weekend. Additionally, the denial was because of a notary error they said and not on my part so I'm unsure of what to do. Had I been notified I would be receiving additional forms, I could have got them corrected. Now I believe a foreclosure or sale is imminent and I am trying to prevent that at all cost. The bank said I can apply for another loan modification, but that seems ridiculous considering we were at the end of the process and the error was not my fault at all. I'm afraid the loan mod will get denied because I am no longer in a hardship but I am not able to pay a lump sum amount, I can continue making regular monthly payments but anything else would be too much.

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 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: TX

Complaint narrative:
On XXXX XXXX2026 I sent a certified letter requesting an arbitration and the application with my wet signature. On XX/XX/scrub> 2026 I received a statement from an account that I did not recognize. In XX/XX/year>2026 I also called and requested these XXXX request verbally on the phone which was being recorded by them. The law states that I can request an arbitration and my wet signature. I would like to see those things happen

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 2026-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PayTomorrow, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding my financing agreement with PayTomorrow. I signed the contract based on the total amount I was told I would repay, as stated in the agreement {$4100.00} after interest. However, after reviewing my payment schedule, I discovered that the required biweekly payments over the full term add up to nearly double ( {$8200.00} ) the amount disclosed in the contract. This total was not clearly explained to me before I signed, and the figures in the agreement are misleading and do not match what I am actually expected to pay. Had the true total repayment amount been accurately disclosed, I would not have agreed to these terms. I have retained copies of my contract, payment schedule, and other written documentation that support my complaint and clearly show the discrepancy between the amount disclosed and the amount I am being required to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I initiated a balance transfer from my Citi credit card on XX/XX/ 2026, to pay off a loan at XXXX, and the transaction posted to my account on XX/XX/ 2026. Unfortunately, the funds were sent to the incorrect location. I contacted Citi customer service multiple times requesting the XXXX ACH Trace Number so the receiving bank could locate or return the funds, but Citi representatives claimed they " do not have it '' and provided an internal confirmation number instead. On XX/XX/ 2026, I spoke with a Citi manager who admitted he could not provide the ACH trace number. He stated they were opening an investigation that could take up to XX/XX/XXXX days. The manager did not provide a case or reference number for this investigation. I am being forced to wait XX/XX/XXXX days for my missing funds while interest potentially accrues, and Citi is failing to provide the federal tracking metrics required to resolve the 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 monetary relief
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
I am submitting this complaint to dispute a medical debt that is currently being reported on my credit report. I believe this account is inaccurate, invalid, and should be deleted. The reported medical debt is invalid because the treatment associated with this account was never completed. Additionally, I paid for the medical services that I actually received. Therefore, I do not owe the balance that is being reported. Furthermore, the company that purchased or is attempting to collect this alleged debt has failed to provide adequate verification of the debt despite my request. To date, I have not received documentation establishing that I legally owe the amount being reported, including documentation showing the basis for the debt, the amount claimed, or evidence that the collector has the legal authority to collect it. Without proper verification, there is no basis for continuing to report this account as a valid debt. Reporting this account as an outstanding debt is inaccurate and does not fairly reflect my financial obligations. I request that the furnisher and the credit reporting agencies conduct a reasonable investigation by reviewing all relevant medical billing records, payment records, and documentation supporting the validity of this alleged debt. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that any information that can not be verified as complete and accurate be deleted from my credit reports. If the furnisher can not provide competent evidence demonstrating that I legally owe the reported balance, the account must be removed. To the extent applicable, I also request that this matter be reviewed for compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including the requirements concerning debt validation and the prohibition against false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. Accordingly, I respectfully request that : A thorough investigation be conducted into this disputed account. The furnisher and debt collector provide competent documentation verifying that the debt is valid, accurate, and legally enforceable. Documentation be provided establishing that the reported balance is owed despite the treatment not being completed and despite payment for the services that were actually rendered. If the debt can not be fully verified with competent evidence, the account be permanently deleted from all consumer reporting agencies. I receive written confirmation of the investigation results and any corrective actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
On XX/XX/year>, Sunrise Credit Services , Inc. reported a {$150.00} collection account to my credit report on behalf of XXXX XXXX, account ending in XXXX. I dispute this account because it is not mine and I have no knowledge of ever opening, authorizing, or using an XXXXXXXX XXXX account or service. I have only maintained wireless service with XXXX and have never had an XXXX account. Because I believe this account may be the result of identity theft or inaccurate reporting, I filed an FTC Identity Theft Report and requested that the account be blocked and removed pursuant to FCRA Section 605B. I am requesting that Sunrise Credit Services provide documentation proving I opened or authorized this account or immediately cease reporting it to the credit bureaus.

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am trying to cancel my timeshare contract because a hurricane caused major damage to my primary home. I had to take out new loans to rebuild, and I simply can not afford the monthly timeshare payments of {$1000.00} or the yearly maintenance fees. During the sales presentation, the staff promised me that I could easily rent out the timeshare to cover these costs, but that turned out to be untrue. I have tried to contact the resort directly to cancel, but they give me the runaround and refuse to help. Instead of helping me cancel, the resort sent my account to a debt collector called Monterey Financial Services. Monterey Financial is aggressively coming after me for {$66000.00}. The problem is that they are using confusing and mismatched names for the creditor, like XXXX and XXXX XXXX XXXX XXXX XXXX. These names do not match the legal name of the company on my original contract, which is XXXX XXXX XXXX XXXX XXXX. When I sent a formal dispute asking Monterey Financial to prove they have the legal right to collect this specific debt, they failed to do so. They just sent back a confusing packet of papers that did not actually prove they are authorized to collect on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
I called the customer service for moneyline and question them about a account that said that it was a loan in my name and receiving agreements about not making missing payments when I spoke with a representative they informed me that they can not give me any details to the account they can not give me information about the loan agreement where the funds was stored or the account that the funds were linked to did not give me their employee ID numbers and they're full names. Also they gave me different information than what was on the credit report that I received they were stating that it was a fully secure loan when I had on my end that it was a partially secured loan but they refuse to give me details

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