vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Truist regarding my mortgage servicing and the removal of my online payment access. My mortgage was transferred to Truist. I did not choose Truist as my mortgage servicer, and I now have very limited options to make payments. I accidentally made two mortgage payments on the same day for the same month. I contacted Truist immediately and was told that Truist could not cancel one of the duplicate payments. I was instructed to contact my bank and place a stop payment, which I did based on Truists instruction. After I placed the stop payment, Truist removed my ability to make online mortgage payments. Truist is now requiring me to make mortgage payments by certified check only until XX/XX/year>. I have spent hours on the phone with Truist under ticket number # XXXX, but no one has provided a reasonable resolution. I was told that Truist will no longer support me through online payments and that I must continue sending certified checks. This restriction is creating an unreasonable barrier to paying my mortgage on time. I now have to go to the bank, pay for a certified check, mail it, and then wait up to 10 business days for Truist to receive and reflect the payment. This process has already contributed to late-payment issues, even though I am actively trying to make my mortgage payments. Truist is treating this as a payment risk or penalty, even though one of the payment issues happened because I followed Truists own instruction to stop a duplicate payment. I do not believe it is fair or reasonable for Truist to restrict my payment options until XX/XX/year> and force me into a process that makes it harder to pay my mortgage on time. I am requesting that Truist : Restore my online mortgage payment access immediately. Review and correct any late-payment impact caused by this payment restriction. Confirm that my credit will not be negatively impacted because of delays caused by Truists certified-check-only requirement. Provide a written explanation of the policy used to remove my online payment access until XX/XX/year>. Reimburse or credit any certified check, mailing, or related fees caused by this restriction. Provide a written resolution to ticket # XXXX. I am not refusing to pay my mortgage. I am asking Truist to provide a reasonable and modern way for me to make timely mortgage payments, especially since I did not choose Truist as my servicer and this restriction is causing delays, fees, and hardship.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I respectfully request a supervisory and executive-level reconsideration of the decision to permanently close my Capital One accounts ending in XXXX, XXXX, XXXX, and XXXX. I maintain that I acted in good faith and made substantial efforts to satisfy my financial obligations. The circumstances leading to the account closures were not the result of intentional non-payment or credit abuse, but rather arose from payment processing irregularities, confusion regarding the application and timing of payments, and subsequent adverse actions that did not reasonably reflect my long-standing payment history and customer relationship. As a long-term customer, I believe the closures constituted a disproportionate adverse action given the mitigating circumstances surrounding the payments in question. The resulting loss of available credit has materially damaged my credit profile, increased utilization, and negatively impacted my ability to qualify for mortgage financing during an active home-purchasing process. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), furnishers of information have a duty to report information with maximum possible accuracy and to conduct reasonable investigations regarding disputed information. I am requesting that Capital One conduct a comprehensive manual review of the account history, payment activity, and surrounding circumstances leading to the closures. I am not disputing my obligation to pay ; rather, I am requesting equitable reconsideration and reinstatement based upon : my demonstrated good-faith payment efforts, my prior positive account history, the absence of intentional delinquency, and the significant financial harm caused by the closures. Given the totality of the circumstances, I respectfully request : 1. Reconsideration and reopening of the affected accounts ; 2. Review and correction of any inaccurate or misleading delinquency reporting associated with the payment processing issues ; 3. A written explanation of the basis for the adverse action determination following review. I am seeking a fair and reasonable resolution that accurately reflects my longstanding creditworthiness and payment intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: PA

Complaint narrative:
CitiBank closed 2 of my credit card accounts, one that had not even been used yet. They closed these accounts due to returned payments. I got a new bank account and my old account was still linked to my Citi app. There were 3 times that I accidentally selected the wrong account to pay my monthly payment. Immediately after realizing the wrong bank account was selected, I made the payment ( plus the returned payment fee ) each time. Over the last 6 months I've made payments of {$5000.00}, {$1000.00}, {$2000.00}, {$330.00}, and {$1000.00}. My monthly payment is typically around {$300.00}. My accounts were both in good standing, no missed payments, no late payments, but Citi still closed both of my accounts. I've spoken to numerous people there, escalated this multiple times, explained the situation to multiple people, and still no one will give me a resolution. Frankly, it's absurd and I don't even understand how they're still in business pulling stunts like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see the attached documents and expedite the review of this matter. The reported late payments are inaccurate, as all payments were made on time and should not be reflected on * my credit file. I request that these be corrected promptly to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I am filing a complaint against Mountain America Credit Union regarding a failure to properly process and complete the registration and titling associated with a financed purchase. On XX/XX/year>, my husband and I purchased a boat and trailer financed through XXXX. As of today, XX/XX/year>, we have not received the license plate or registration for the trailer/boat. We have made multiple attempts to resolve this issue directly with XXXX, including contacts on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> During these interactions, we spoke with several XXXX representatives, most recently XXXX XXXX. Despite repeated follow-ups, we have not received clear or consistent communication regarding : What documentation ( if any ) is missing Whether the registration process has been initiated What steps remain to complete the process What, if anything, is required from us Different representatives have provided conflicting and contradictory information, and no one has been able to give us a definitive answer or resolution. At this point, it appears there is a breakdown in XXXX internal processes and communication regarding loan collateral registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or around XX/XX/year>, I used my Wells Fargo Visa credit card to pay approximately {$5000.00} to XXXX XXXX XXXX for a long-term coaching/business mentorship program. The agreement was structured as a one-year contract ( 360 days plus an additional 180 days of support/services ). Before purchasing, I communicated directly with representatives of the company, including XXXX XXXX, regarding the onboarding process, financing/payment arrangements, and the ongoing services that would be provided throughout the contract term. Based on those representations, I proceeded with payment in good faith. After payment was made, the company initially appeared to begin services, but over time the contracted services were not delivered as promised. Throughout the contract period, the company repeatedly delayed performance, cited internal operational issues, and represented that services would continue or eventually be completed. I continued attempting to work with the company in good faith based on those ongoing assurances. Eventually, the company experienced collapse/bankruptcy-related issues and failed to fulfill the contracted services. As a result, I paid for services that were never fully delivered. I disputed the charge with Wells Fargo on the basis of non-delivery of services and provided supporting information. However, Wells Fargo denied the dispute, stating that the matter fell outside Visas dispute timeframe. I believe Wells Fargo failed to properly consider the nature of the transaction as a long-term service agreement where the failure to fully deliver became clear over time rather than immediately at the original purchase date. I also used other credit card issuers for related payments connected to this same program, including XXXX and XXXX XXXX, and those institutions reviewed the same circumstances and provided relief based on non-delivery of services. Wells Fargo is the only issuer that refused to reconsider the dispute. I am requesting that Wells Fargo reopen and fairly review this billing dispute under standards applicable to services not rendered and long-term contractual performance.

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ignite Revenue, Inc.
State: TX

Complaint narrative:
REPORT OF ATTORNEY MISCONDUCT : USE OF FRAUDULENT CREDENTIALSDescription of Misconduct : I am reporting XXXX XXXX XXXX ( Bar # XXXX ) and the firm XXXX XXXX XXXX, XXXX. for a systemic pattern of filing fraudulent and mismatched credentials in XXXX XXXX XXXX XXXX XXXX. XXXX Violations : Misuse of State Bar Identification : Filings submitted under the name of " Attorney in Charge '' XXXX XXXX utilize Bar Number # XXXX. Official State Bar records confirm this number belongs to XXXX XXXX XXXX, not XXXX XXXX. ( See Exhibit A ) .Use of Non-Existent Credentials : Filings also utilize Bar Number # XXXX, which returns " No attorneys found '' in the official State Bar database. ( See Exhibit B ) .Fraud on the Court : These " robo-signed '' filings were used to obtain a Receivership Order and freeze the bank account of an indigent senior citizen.Over-Collection & UDAAP : The firm is attempting to collect {$4900.00} on a debt they officially reported to credit bureaus as $ XXXXan unauthorized discrepancy of over {$1800.00}. ( See Exhibit C ). UDAAP & FDCPA VIOLATION REPORT : I am reporting Capital One and their legal representatives, XXXX XXXX XXXX, XXXX, for engaging in deceptive collection practices in XXXX XXXX XXXX Case No. XXXX CREDENTIALS : The attorneys hired by XXXX XXXX ( specifically XXXX XXXX ) are using stolen and non-existent State Bar numbers to obtain court judgments. Bar # XXXX belongs to a different attorney ( XXXX XXXX XXXX ), and Bar # XXXX does not exist.UNAUTHORIZED OVER-COLLECTION : XXXX XXXX 's official credit reporting ( XXXX ) shows a balance of {$3100.00}, yet their Receiver has frozen {$4900.00} in my accountan unauthorized over-collection of over $ XXXX.ROBO-LITIGATION PATTERN : This is part of a mass-filing surge of over 100 cases in one county. As an indigent senior citizen, my funds for life-saving insulin are being illegally held based on these fraudulent filings.DESIRED RESOLUTION : Immediate release of the illegal freeze, vacation of the fraudulent judgment, and a federal audit of XXXX XXXX mass-filing practices in XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WVH, LLC
State: UT

Complaint narrative:
Complaint Against Debt Collector Regarding Refusal to Honor Written Settlement Offer I am filing this complaint regarding a debt collectors refusal to honor the written terms of a settlement offer that was provided directly to me. I received a written settlement communication from the company that contained language offering a settlement based on 20 % of the balance. The wording was clear and unambiguous as written. After reviewing the offer, I relied upon the exact language contained in the document in evaluating and responding to the proposed settlement terms. After I attempted to proceed based on the written language of the offer, the company informed me that the phrase 20 % of was supposedly intended to read 20 % off and claimed the language was merely a typographical error. The company is now refusing to honor the terms exactly as they were presented in the written settlement correspondence. My concern is not merely that an error may have occurred, but that the company expects consumers to disregard or reinterpret official written settlement communications after the fact. Consumers should be able to reasonably rely on the plain language contained in formal collection and settlement notices without later being told the terms were different than what was actually written. As the drafting party, the debt collector bears responsibility for ensuring that its settlement communications are accurate before being transmitted to consumers. In my view, refusing to honor the written language after it has been issued creates a misleading and unfair situation for consumers attempting to resolve debts in good faith. I requested that the company provide : A copy of the original settlement offer ; A detailed explanation of the alleged typographical error ; The date the error was discovered ; Documentation showing whether corrected notices were issued to other consumers ; and Confirmation that no adverse credit reporting or collection activity would occur while this dispute remains unresolved. To date, the company has refused to honor the settlement language as written. I am requesting that the CFPB review this matter for potentially misleading or unfair debt collection and settlement practices and assist in ensuring that the company honors the written settlement terms provided. Attached documentation includes copies of the settlement correspondence and related communications regarding the dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The issue concerns my Everyday Checking account with Wells Fargo Bank. Wells Fargo increased the minimum balance requirement for this account and subsequently charged nearly {$100.00} in account fees without providing what I believe was clear and adequate notice to customers. After noticing these charges, I contacted the bank to dispute the fees. Wells Fargo representatives stated that advance notice had been provided through monthly account statements. However, upon reviewing the statements carefully, I found that the supposed notice was placed in very small print within a minor section near the bottom of a page toward the end of the statement, making it easy for customers to overlook. A significant change affecting account fees and minimum balance requirements should be communicated prominently and transparently. Reasonable consumers would expect such material account changes to be clearly disclosed through direct email notifications, postal mail, and/or prominent placement on the first page of account statements well in advance of the effective date. Instead, the disclosure appeared to be buried in an obscure section of the statement where many customers would likely miss it. This appears to be a deliberate attempt by Wells Fargo to steal money from its customers ' accounts, hoping that by putting the " notice '' in an obscure place, few customers would ever notice. Despite my complaint and request for reimbursement, Wells Fargo has thus far refused to refund the fees charged as a result of this inadequately disclosed policy change.

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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the handling of my mortgage account, the foreclosure process initiated against me, and the failure to provide the written assistance and communication I repeatedly requested. After losing my job in XXXX, I immediately began making every effort possible to save my home and work with both XXXX XXXX and Habitat regarding my mortgage delinquency. Throughout this process, I was actively communicating with representatives and making payments to bring my account current. I specifically requested written confirmation stating that if I reduced my delinquency below 120 days and continued making payments, foreclosure proceedings would not move forward. I never received the written documentation I requested despite asking multiple times. XXXX and representatives from Habitat advised me to continue making my monthly payments and indicated that I should be okay if I continued making payments toward the account. Based on those conversations, I continued making payments in good faith to prevent foreclosure. However, I repeatedly requested this information in writing and never received it. Timeline of Events : XX/XX/XXXX : I contacted XXXX XXXX regarding my mortgage payment and my efforts to bring the account current. XX/XX/XXXX : I made a payment at the branch location. XX/XX/XXXX : I contacted XXXX XXXX and reported the payment I made and advised them I would make another payment on XX/XX/XXXX. At the time of that conversation, I was approximately 123 days delinquent. No one informed me during that call that foreclosure proceedings would be filed within days. While I was actively making payments and attempting to work with the bank and Habitat to save my home, Habitat proceeded with pushing the foreclosure process forward. I believe this was unfair and inconsistent with the guidance I had been given. Additionally, my housing counselor also requested written clarification and documentation regarding my account and foreclosure status, which was never properly provided. I have acted in good faith throughout this process by communicating regularly, making payments despite financial hardship, and seeking assistance immediately after losing my job. I do not believe I was provided clear communication, proper assistance, or the written information necessary to protect my home.

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