vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial and XXXX advertised its product as XXXX XXXX Pay Later and Pay Over Time, which reasonably led me to believe I was applying for a traditional financing or buy-now-pay-later product. At no point during the initial marketing shown to me was it clearly disclosed that I would instead be entering into a XXXX XXXX XXXX XXXX with no ownership rights unless I exercised a separate purchase option. The material nature of the transaction was not presented clearly and conspicuously before I proceeded. After execution, I learned that the agreement required total lease payments of approximately {$1900.00} for merchandise with a cash price of approximately {$740.00}, and ownership was not automatic at the end of the payment schedule. I believe the marketing and disclosures were misleading and prevented me from making an informed financial decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding an unprofessional and obstructive experience at their branch at XXXX XXXX XXXX, XXXX, CA XXXX, on XX/XX/year>, during a scheduled XXXX PM appointment for a legal name change. The male associate handling my appointment successfully updated my name in Bank of America 's core system. However, when I asked for help ordering a replacement credit card reflecting my new legal name, he refused and incorrectly told me I would need to contact credit card customer service myself. When I returned to the branch to raise this issue, I asked to speak with the Branch Manager. The manager ( also male ; name not obtained ) backed the associate 's refusal instead of resolving the issue directly. He eventually showed me how to order the replacement card via the mobile banking app himself, but his attitude throughout was dismissive and unprofessional. According to Bank of America 's own published guidance on legal name changes ( screenshot attached ), branch associates are explicitly responsible for assisting customers in obtaining a new credit card as part of the name-change process. This branch failed to follow the bank 's own stated procedure, shifting an unnecessary administrative burden onto me.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I have been trying to sell my leased XXXX XXXX XXXX since XX/XX/XXXX. The vehicle is financed/leased through XXXX XXXX XXXX XXXX I registered the vehicle in Massachusetts in XXXX XXXX and received license plates. Since XX/XX/XXXX, I have made repeated attempts to coordinate the title release with XXXX so I could complete the sale through a licensed buyer ( XXXX XXXX ). Over more than XXXX months, Kia has : XXXX. Provided contradictory instructions on the title release process. XXXX. Failed to send required documents to the Massachusetts XXXX. XXXX. Sent incorrect or incomplete documents when they did respond. XXXX. Never provided a clear, upfront explanation of the process at the start, which would have saved months of delay. XXXX. Most recently, informed me that the Massachusetts XXXX must fax them a request for the original title, a requirement never communicated in any prior conversation despite my repeated inquiries. The Massachusetts title remains in Review status because Kia has not completed their part of the process. Meanwhile, I have continued to incur lease payments, insurance costs, and vehicle storage expenses on a car I can not use or sell. I am relocating internationally and have been unable to close the sale before departure due entirely to Kias mishandling of this process. Kias inability to provide clear guidance, respond promptly, or coordinate basic paperwork with a state XXXX has caused significant financial harm and prolonged distress. This is not a one-off error, it is a pattern of operational failure across multiple representatives and calls over XXXX months.

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against IC Systems for willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/2026, I sent a formal debt validation request via email to IC Systems regarding an alleged balance of {$170.00}. IC Systems completely ignored my legal request and failed to provide any verification or original contractual documentation within the 30-day statutory period. Despite failing to validate the debt as required by law, they are willfully continuing to report this unverified and inaccurate negative collection on my credit reports, causing ongoing damage to my credit score. Since they failed to verify the debt within the legal timeframe, I demand that IC Systems immediately delete this collection account entirely from all of my credit profiles.

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 2026-07-20 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I contact Shellpoint Mortgage on XXXXXXXX XXXX and requested a reinstatment quote. The provided me a timeframe of XXXX to XXXX business days. I contacted them again on XX/XX/XXXX and asked for the status of the re-instatement quote and they said it was not available yet. I contacted them again on XX/XX/XXXX and still the quote was not ready. Then I called the lender again on XX/XX/XXXX and was told that the request for the quote was not submitted to the attorney office until XX/XX/2026 which is XXXX business days after the original request. So it would be XXXX to XXXX business days from that date. This would only allow me XXXX business day before the sale to even try and re-instatement my loan or provided any information to a buy which I currently have. On the XX/XX/XXXX when I spoke to Shellpoint Representative that If I needed it faster I could reach out to the attorney directly and provided me thier phone number. I called the attorney office and they stated they could get me quote in XXXX to XXXX business days but that would be by this Friday XX/XX/2026. That only allows me XXXX business days to get everything settled and try and sale the house before Foreclosure and make a little bit of money off the sale. This is causing me and my family undo financial hardship that could give us the ability to make some money off the sale in order to relocate. They also confusing me about the Payoff quote because the representative stated that the fax a quote but according to the Foreclosure attorney Shellpoint Mortgage handles thier own payoff quotes. Its makes very hard and difficult to get the information I need to handle my business in a timely manner and it prevents from either sale the home or bringing it current. Per the Mortgage if I don't pay what is due and all the attorney fees they will reject my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding the conduct of Credit Control , LLC. Without admitting liability for any alleged debt or account, I am requesting an investigation into communications sent by Credit Control , LLC to a third party. Credit Control , LLC sent collection emails directly to my mothers personal email address. My mother is not responsible for any alleged debt associated with me, is not a co-obligor, guarantor, or authorized user, and has never been authorized to receive communications regarding any alleged account associated with me, to the best of my knowledge. Her email address has never been associated with any account of mine, to the best of my knowledge. The emails disclosed information including my name, the alleged current creditor, the alleged original creditor, and the alleged account balance, and requested payment arrangements. My mother received XXXX such emails. XXXX email on XX/XX/year>, and another on XX/XX/year>. I am requesting that Credit Control , LLC explain : XXXX. How it obtained my mothers personal email address. XXXX. The legal basis for sending communications regarding an alleged debt to a third party. XXXX. Whether any additional communications regarding me have been sent to third parties. I also request that Credit Control , LLC immediately cease sending communications regarding any alleged account associated with me to my mother or any other unauthorized third party. I have attached copies of the emails my mother received. Thank you for your review.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Bank closed my account for fraud but I am allowed to have a XXXX loan with the same institution there software keep flagging my accounts

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 2026-07-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
the credit card company switch companies and the old company took money out of my XXXX XXXX account my credit card was hit with fees {$41.00} late fees i did pay my bill on XXXX a {$75.00} thay charge me late fees {$41.00} / {$41.00} / {$41.00} and interest charged i have paying this {$400.00} for over a year now i need them to remove all the late payment charge and i can pay it off and never get this card at all closing account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Here is the timeline of my case : Sometime around XXXX : I received a maturity notice of XXXX of my CDs that will be matured on XXXX. Since I will be travelling out of the country from XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX to find out my options. If I want to secure the best rate, I was told that I will need to schedule an appointment with the banker in person while I'm out of the country. As I expect I will have some large purchases during my trip. I decided to close the XXXX. The rep instructed me to download the account closure form and mail it back before I fly out. XX/XX/XXXX : I filled out the form with notary stamped. XX/XX/XXXX : I mailed out the form to Wells Fargo Bank , N.A . Exception Payments Account Closures, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, MN XXXX. I flew out the same day in the evening. In XXXX : I received multiple overdraft protection notices. I suspected my fund was not correctly transferred back to my checking account. XX/XX/XXXX : I realized WF did not follow my instructions and they renewed my CD on their own terms. Week of XX/XX/XXXX : I had to transfer funds from other sources to pay off my outstanding bills. XX/XX/XXXX : I contacted WF over the phone to report the issue. The rep told me she would submit a request to close my CD without any penalty. She also said she would give me a call on XX/XX/XXXX. XX/XX/XXXX : I haven't received any updates from WF, I called them again to ask for the update. Another rep said it would take at least XXXX business days to work on my issue. XXXX : I waited for more than the required time window but nothing has been done for my account. I called again and the rep told me that I will have to speak with a banker in person. I requested to escalate my request and speak to a supervisor. I was then given a claim #. XXXX : I called the customer escalation department with my claim #, only to realize the claim # they provided the day earlier is not correct. Nothing has been recorded in their XXXX system. I have been wasting all my time talking to multiple CSRs who didn't even include any note of my case. Another rep helped me to file a new claim. XX/XX/XXXX : I kept monitoring my account activity but still, no sign of closing my CD or transferring my money back to my checking account. I felt that WF is XXXX my money, I decided to file an official 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 non-monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: TX

Complaint narrative:
I had money in 2 netspend accounts and I went to XXXX and now I don't have the old phone number and email account so they say I can't verify my identity and the account has been closed

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a payroll check from my employer using Wells Fargo 's mobile deposit feature. The deposit was accepted and initially credited to my account. On XX/XX/year>, Wells Fargo removed the funds by posting an adjustment to my account. I did not withdraw, transfer, or spend these funds. When I contacted Wells Fargo, I was told that I had deposited the same check a second time on XX/XX/year>, and that this was the reason for the adjustment. However, I never made a second deposit on XX/XX/year>. My account statements and transaction history show that no second mobile deposit occurred. After further review, Wells Fargo acknowledged that the check was deposited only once and that the alleged XX/XX/year>, duplicate deposit did not occur. Despite this, the bank has not restored the funds to my account and continues to state that the matter is under investigation. More than a month has passed without a resolution or a written explanation of why the adjustment remains on my account. My employer has confirmed that the payroll check has already been negotiated and can not issue a replacement check because it has already been cashed. As a result, I have been left without the proceeds of my payroll check. I have repeatedly contacted Wells Fargo and visited a branch, but I have not received a resolution. I have documentation supporting my complaint, including my account statements showing only XXXX mobile deposit, the adjustment removing the funds, and Wells Fargo 's correspondence regarding its investigation. I am requesting that Wells Fargo complete its investigation, provide a written explanation for the adjustment, identify where the proceeds of the negotiated check were applied, remove the erroneous adjustment if applicable, and immediately credit my account for the amount of the payroll check.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage XXXX XXXX : XXXX I am filing this complaint against XXXX XXXX Shellpoint Mortgage Servicing XXXX XXXX regarding its failure to properly administer my mortgage account following the termination of my escrow account. XXXX XXXX XXXX Background My escrow account was officially removed effective XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior to the removal, I made numerous calls to Shellpoint 's escrow department and spoke with multiple representatives and supervisors. During these conversations, I was repeatedly assured that the remaining escrow funds would be refunded or properly applied to my mortgage account within a few days. Despite these repeated promises, no corrective action has been taken. XXXX XXXX XXXX XXXXXXXX XXXX Not Refunded Although the escrow account has been closed, Shellpoint continues to retain XXXX XXXX {$7000.00} XXXX XXXX in escrow funds. I believe these funds should have been immediately applied to my mortgage principal balance once the escrow account was terminated. Instead, the funds remain on the account while Shellpoint continues to assess charges that would not otherwise exist. XXXX XXXX XXXX Improper Fees As a result of Shellpoint 's failure to properly apply the escrow funds, my account has been subjected to numerous charges, including XXXX XXXX Late fees totaling approximately * * {$3000.00} * * * NSF fees * Property re-inspection fees * Other unnecessary servicing fees These fees were not caused by any failure to make payments on my part. My mortgage payments have been made timely, and I do not owe Shellpoint any delinquent amount. XXXX XXXX XXXX Credit Reporting Issues Upon reviewing my credit reports, I discovered that Shellpoint failed to accurately report my mortgage payment history for more than XXXX XXXX XXXX months XXXX XXXX. In addition, Shellpoint has reported negative payment information that does not accurately reflect my payment history. as the result of this wrong reporting, my credit score decreased tremendously. This inaccurate and incomplete reporting has created uncertainty regarding my credit profile and already have adversely affected my creditworthiness. XXXX XXXX XXXX XXXXXXXX Attempts to Resolve I have made numerous attempts to resolve these issues directly with Shellpoint through phone calls, written complaints, and correspondence with its Compliance Department. I also possess recordings of multiple conversations with Shellpoint representatives and supervisors in which they acknowledged the issue and promised corrective action. Despite these assurances, the issues remain unresolved.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX received a call from a guy named XXXX which showed up as XXXX stating my Barclays credit XXXX JetBlue card and XXXX card was charged {$2900.00} for XXXX XXXX XXXX the guy took over my phone and was walking me through all kinds of prompts. After several hours I hung up and called Barclays customer service but the guy interrupted the call and said he is Barclays fraud department. I thought it was legit. Today I checked another credit card from XXXX XXXX and that also had a fitcticious charge. Called Barclays back and was told to report to experience, equifax and transunion which I did. Barclays is sending documents via mail from me to proceed with

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I am disputing this debt. Please provide verification.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC SECTION 1681 SECTION 602 State 's I have the right to privacy. / 15 USC 1681 SECTION 604 A SECTION 2 states that a consumer reporting agency can not furnish and account without my written instructions

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