vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was placed on a lost mitigation trial payment plan that was supposed to be completed on XX/XX/XXXX and then final payment XX/XX/XXXX, when you go on the website to complete trial payments their app at times does not allow you to complete payments giving errors stating you are unable to make payments at this time making it impossible to make the payment on the date discussed. On XX/XX/XXXX I attempted to make the payment at XXXX which would not allow me too l, I had to wait all day until XXXX to process the payment meaning after business hours making payment post following business day I still made the payment and assumed it was ok yesterday I was removed yet again for the same issue yesterday XX/XX/XXXX and called in to be told I have to reapply, the rep did provide me a email to send screen shot and she filed a complaint for me. Now I am currently waiting in limbo at risk as I was removed from my current plan. I should not have to deal with this app issue and it is now causing me added stress that caused a 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 non-monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Department verified my IRS XXXX Treasury refund check and approved the release of the hold on XX/XX/year>. The hold was officially lifted on the morning of XX/XX/year>. Just hours after releasing the hold, Bank of America closed my account and informed me that my remaining balance would be mailed to me by cashiers check. Despite my request, the bank has refused to overnight the cashiers check, even though the funds have already cleared and represent a legitimate federal tax refund. As a result, I am being denied timely access to my own money, which is preventing me from paying my financial obligations and causing unnecessary hardship. I respectfully request that Bank of America immediately issue and send my cashiers check via overnight delivery ( XXXX XXXX XXXX ) with tracking information so I can access my cleared funds without further delay.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, my XXXX XXXX XXXX XXXX account converted to a Citi AAdvantage Platinum Select account. Beginning XX/XX/year>, {$15000.00} in unauthorized charges appeared over XXXX days across XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX locations, exceeding my {$15000.00} credit limit entirely. I never made or authorized these transactions. I never enrolled this account in XXXX XXXX or any other digital wallet. The fraud stopped immediately when Citibank issued a replacement card number on XX/XX/year>. Citibank denied my dispute, stating the transactions were made using " my mobile device. '' This is a conclusion, not an explanation. Citibank did not identify how it determined the device belonged to me, or provide proof that the account was provisioned to my device. Citibank reversed three XXXX XXXX charges totaling {$7100.00} but denied {$8700.00} in remaining charges -- including XXXX XXXX XXXX charges identical in amount and merchant to those it reversed. No explanation was provided for this distinction. I have submitted a formal FCBA reconsideration request to Citibank via certified mail simultaneously with 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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
This complaint is against XXXX for serious failures in consumer safeguarding and oversight of their client XXXX ( Dispute ID : XXXX ). I returned all items to XXXX ( XXXX ) on XXXX XX/XX/year>. Merchants own records explicitly confirm this : XXXX XX/XX/year> : we can see only XXXX items shows returned. XXXX XX/XX/year> : allow us longer once item reaches the warehouse refund will be issued. These are clear written admissions. However, XXXX final response ( XXXX XX/XX/year>, ref XXXX ) is deeply contradictory and fabricated. It wrongly mixes my account with an unrelated gentlemans return on XXXX XXXX ( when I was abroad ) and falsely asserts only XXXX item was returned. I have only received XXXX credits, in direct conflict with the merchants messages, tracking data, and XXXX policy. XXXX disregarded all my evidence including merchant logs, portal submissions, and recorded calls and issued a final denial by blindly rubber-stamping the merchants flawed position without any proper human investigation. XXXX failed to enforce chargeback rights or provide any meaningful protection. This structure makes recovery from the bank effectively impossible when XXXX sides with the merchant, creating an additional barrier that conceals the evident errors and inconsistencies. This is not an isolated incident. Thousands of Trustpilot reviews document the same pattern of XXXX XXXX disputes being mishandled, with consumers systematically disadvantaged. All of us can not be wrong. These repeated failures raise serious questions about XXXX commitment to consumer protection and appear to contribute to distorted outcomes that favour merchants

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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Yesterday I went to pay a bill on the USAA website. The bill was for {$4400.00}. When I submitted it, the bank website said an error occurred and to try again later. A few minutes later I tried it again. This one was successful. Yesterday I noticed that my account was low. When I looked on the website, they had posted my XXXX dollar payment twice. I called them yesterday and today. Even though they clearly admitted they had a failure on the website and even thought they can see that the error occurred. They are saying that I have to wait for up to 10 business days for the funds to be returned to my account. I tried to escalate with no luck. I called again today and they told me the same thing. I have had no luck with USAA, they refuse to escalate being the customer retention team and only tell me that the people processing the refund back to the account dont answer phones. I have bills to pay and my account is devastatingly low on funds right now because of their error. This was not my error. They have admitted multiple times that their system messed this up yet they won't put my money back.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my checking account was hit with XXXX {$35.00} overdraft fees totaling {$100.00}. I transferred over enough money from another checking account and wired money over from an external account to cover the negative balance. But they hit me with XXXX overdraft fees and now my account is in the negative again and they will not credit those fees back to my account. This is absolute stealing of my funds, and I am sure I am not the only one who has filed a complaint against Wells Fargo.

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 2026-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am filing this complaint because my mortgage servicer is engaging in a predatory " catch-22 '' practice that artificially forces my home into foreclosure. They have created a manufactured denial on my loss mitigation application by blocking me from completing a requirement and then punishing me for not completing it.On XX/XX/year>, I received a loss mitigation denial letter stating that I did not qualify for a loan modification because my account lacks a " fourth seasonal payment. '' However, I have actively, repeatedly, and in good faith attempted to make this fourth payment to my servicer. Every time I try to pay, the servicers customer service and billing departments refuse to accept my funds. They claim that because my account is marked in a " foreclosure status, '' their system is restricted and can not accept payments.I am fully able, willing, and ready to make this payment immediately. I have the funds available. The only barrier to saving my home is the servicers refusal to give me a functional payment mechanism, alternative routing instructions, or a secure address to send certified funds.Denying a loan modification based on a missing condition that the servicer itself is actively preventing me from fulfilling violates the servicers legal duty to properly evaluate a complete loss mitigation application under RESPA Regulation X ( 12 C.F.R. 1024.41 ) XXXX XX/XX/year>, I submitted a formal, timely appeal via Certified Mail challenging this decision. Because the servicer is actively blocking my ability to comply while moving forward with foreclosure actions, I request the CFPB 's immediate intervention.

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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
NOTE : This account is in my married name and I have gone back to my maiden name On XX/XX/year>, my timeshare resort, XXXX XXXX XXXX ( XXXX XXXX, SC ), forwarded my physical maintenance fee check of {$1200.00} directly to Monterey Financial Services. Monterey opened their collection file and mailed me a letter on that exact same day, XX/XX/year>. Therefore, the principal debt was fully satisfied upon receipt. The check successfully cleared my bank account on XX/XX/year>. While I acknowledge and agree that I owed a legitimate {$57.00} late fee to the resort for the initial delay, Monterey Financial Services is attempting to collect an additional {$440.00} in " collection fees '' and compounding daily interest. On XX/XX/year>, Monterey emailed me claiming these massive fees were assessed by XXXX XXXX XXXX. However, on XX/XX/year>, XXXX XXXX XXXX XXXX explicitly stated to me that this 35 % surcharge was " assessed independently by the collection agency, '' not the resort. ( this is recorded with consent ) I want to note that all of this has taken so much of my time, energy and resources! Furthermore, Monterey Financial Services is using an aggressive credit-reporting deadline of XX/XX/year>, to coerce me into paying these unauthorized administrative fees under duress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a customer of Regions Bank. I have cleared my account balance to {$0.00} and am trying to permanently close my XXXX Checking account ( ending in XXXX XXXX ). Because I do not speak English fluently, I called the official customer service line ( XXXX ) multiple times to request account closure using their language interpretation services. Today alone, I called 4 separate times and spent over 10 minutes on hold during each attempt. Every single time the third-party Chinese interpreter connected and informed the bank representative of my request to close my zero-balance checking account, the bank 's representatives purposefully disconnected, hung up the phone, or went completely silent. This intentional refusal to provide service to non-English speaking customers is unacceptable.

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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: WI

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX in the amount of approximately {$730.00}. I dispute the accuracy, completeness, and verifiability of this account. Pursuant to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), I request a reasonable investigation and documentation supporting the reporting of this account. Please provide : * The original XXXX XXXX service agreement. * Documentation connecting me to the alleged account. * Complete account statements and billing history. * Documentation supporting the balance being reported. * Documentation establishing XXXX XXXX XXXX authority to collect and furnish information regarding this account. If the information can not be verified through competent documentary evidence, I request immediate deletion of the account from all consumer reporting agencies. Please provide copies of all documents relied upon during your investigation.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In approximately XX/XX/XXXX, fraudulent transactions appeared on my Wells Fargo credit card. I immediately reported the fraud to Wells Fargo. After investigating, Wells Fargo determined that the transactions were fraudulent and informed me that the compromised credit card account would be closed. I had not used this Wells Fargo credit card since XXXX. I did not authorize any of the fraudulent transactions, nor did I request any new credit card, balance transfer, or other credit service. Wellsfargo employees suggested and chose to do a lost/stolen for me to keep the card from being used. After resolving the fraud, Wells Fargo informed me that, as part of its internal process, it transferred the account balance to a replacement account. Wells Fargo now claims I owe approximately {$160.00} that resulted from this internal balance transfer process, plus interest and a late payment. I do not believe I should be responsible for a balance that resulted solely from Wells Fargo 's internal handling of a confirmed fraud claim. Had the fraud not occurred, this situation would not exist. I repeatedly contacted Wells Fargo to request a detailed explanation of how this balance was calculated, why I was responsible for an internal balance transfer that I never requested or authorized, and why a late payment was reported while this matter was being disputed. The representatives attempted to explain the balance but did not provide a clear accounting that answered these questions. After multiple discussions, my complaint was escalated to Wells Fargo XXXX XXXX XXXX, and I was provided with a case number. I was told the investigation could take approximately XXXX business days, but I was not informed whether additional interest, late fees, or negative credit reporting would be prevented while the investigation is pending. Because of this unresolved dispute, my credit has already been negatively affected by a reported late payment. I have also filed disputes with the credit reporting agencies. I respectfully request that Wells Fargo : XXXX. Remove any balance that resulted solely from its internal fraud-resolution process if it was not authorized by me. XXXX. Reverse any related interest and late fees. XXXX. Correct any inaccurate reporting to the credit bureaus, including the reported late payment if it resulted from this disputed balance. XXXX. Provide a complete written accounting showing how the disputed balance was calculated and identifying the legal or contractual basis for holding me responsible for 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 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'I purchased a used vehicle from XXXX XXXX XXXX XXXX location on XXXX XXXX, had issues with vehicle "tire warning" was not going away was assured i just needed to drive it if the problem didn\'t go away to come back on Monday XXXX XXXX i returned to dealership but a couple of hours was told "we are waiting for parts" had to reschedule because i had to work. Came back on Saturday XXXX XXXX stayed at the service dept for 4 1/2 hours because service could not resolve issue. Finally cleared the warning sign on the screen. on XXXX XXXX was informed by dealership\'s financing that the original financing company backed out and i had to QUICKLY sign a new contract. I signed the contract on XXXX. I was driving my truck and notice i was slipping and sliding all over the road and it was worse when it rained. I took it to a dealership (XXXX XXXX XXXX in XXXX) was informed i needed new tires because of the bad suspension and needed to get to a body shop. I took it to a body shop for a full scan of the vehicle and they confirmed yes shoddy repairs on the truck and unstable frame work, they sent me a full report and lots of pictures. I also pulled the XXXX and learned that the vehicle had suffered severe damages and airbags were deployed. At the time of the initial sale (XXXX XXXX) dealership said "we are required to inform you that the vehicle was involved in a accident now lets go to the finance dept" never once was i informed of any severe damages nor airbag deployment. I tried contacting the dealership several times and left multiply messages and no one returned my call. I then call Truist (finance company who holds my contract) i asked to speak to fraud department and once transferred over and proceeded to let them know was told "we will note the account but we can not do anything you must take it up with the dealership" i told her "i have tried and no success". I was advised by a coworker to call Truist back and asked to speak to a fraud department manager and was told the exact same thing "you need to get a hold of the dealership we can not do anything". I have since file a compliant with XXXX and sent the dealership a formal demand letter. Today I am filing one here against Truist Bank.'

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My XXXX and XXXX accounts are linked for overdraft protection. If I overdraw my XXXX over the weekend, funds are immediately withdrawn from my SAV, but not credited to my XXXX till the next processing day. The funds are unavailable for XXXX days, even though the transfer is internal.

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