vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I previously filed CFPB Complaint No. XXXX regarding Regions Banks handling of my mortgage escrow account and property tax payments. Regions responded, and the complaint was closed without what I believe to be a fair resolution. Since that complaint was closed, Regions has provided additional information that raises new concerns. According to Regions, they issued payment for my XXXX city property taxes through my escrow account. They now state that the payment was returned to their tax vendor, XXXX ( formerly XXXX ), with a sticky note stating already paid. Regions further claims that XXXX confirmed through the tax collectors website that my taxes were shown as paid and, based on that information, returned the escrow funds to my account. After receiving this explanation, I contacted XXXX XXXX XXXX directly. I spoke with XXXX in the tax office, who advised me that if my XXXX taxes had actually been paid, they would not have remained unpaid in the citys system. She also explained that XXXX often submits checks covering multiple taxpayers and that if one account on the check has a delinquent balance, the entire check may be returned. She was unable to identify who would have informed Regions that my taxes had been paid by another party. Despite relying on this information to return the escrow funds, Regions has not provided documentation showing : * who allegedly paid my taxes, * proof that the taxes were actually paid, * the returned check with the alleged already paid notation, * or the documentation or screenshot from the tax collectors website that they claim supported their decision. Regions continues to maintain that there was no servicing error. However, replacement tax payments for the XXXX taxes were later required, and Regions paid {$150.00} in penalties and interest associated with the XXXX and XXXX tax payments. I am requesting that the CFPB review this as a new complaint because these additional facts and Regions latest explanation were not available during my original complaint. I believe these new facts raise legitimate questions about whether Regions adequately verified the returned tax payment before returning escrow funds and whether the escrow servicing was handled appropriately.

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 2026-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have been victim of identity theft and the Federal SCRA act is investigating currently. I never opened any account with this company, I do not know how they have my information. Account name FAIR COLLECTIONS & OUTSOURCING Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo delivered new checks to my P.O. Box in XXXX, Georgia. Unfortunately, My checks were stolen while enroute to be delivered. Upon making this discovery, I reported that the checks had been stolen. Wells Fargo responded by closing my account and opening a new one. Despite promptly reporting the issue to Wells Fargo, I later discovered fraudulent activity on his new account. XXXX of the stolen checks tied to his closed account had been written and debited from my new account. I reported this activity in the week of XX/XX/XXXX. Following his report, I asked that my new account be closed and that the funds below be credited back to his account : XX/XX/XXXX Check number from old closed account XXXX, {$400.00}, posted XXXX to new account. Check number from old closed account XXXX, {$400.00}, posted XXXX to new account. Check number from old closed account XXXX, {$220.00}, posted XXXX to new account. Check number from old closed account XXXX, {$220.00}, posted XXXX to new account. Check number from old closed account XXXX, {$220.00}, posted XXXX to new account. Check number from old closed account XXXX, {$180.00}, posted XXXX to new account. Check number from old closed account XXXX, {$150.00}, posted XXXX to new account. Check number from old closed account XXXX, {$220.00}, posted XXXX to new account. It is my understanding that Wells Fargo has declined to credit his account despite his numerous, good faith attempts over the past year to resolve this matter directly with Wells Fargo. Accordingly, formal demand is hereby made for the immediate and permanent credit of the sum {$2000.00}.

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am a resident of XXXX XXXX XXXXXXXX. I opened my U.S. Bank Business Checking account entirely online. On XX/XX/year>, U.S. Bank notified me by letter that my Business Checking account would be closed within 15 days. On XX/XX/year>, the account was closed. At the time of closure, the account had a balance of {$20000.00}. Instead of refunding my remaining balance after closing the account, U.S. Bank transferred the funds to its General Ledger. The bank has refused to mail me a check for the remaining balance to the mailing address on file. Instead, U.S. Bank has instructed me to visit a physical branch to pick up the check. This requirement is unreasonable and unfair. I reside in XXXX XXXX XXXXXXXX, where U.S. Bank does not operate any retail branches. There are no branches in my city or in nearby states. Most U.S. Bank branches are located in the XXXX and XXXX United States. Requiring me to travel hundreds or even thousands of miles solely to obtain my own funds imposes an unnecessary financial and logistical burden. Because U.S. Bank allowed me to open this account entirely online, it is reasonable to expect that the account closure processincluding the return of my remaining fundscan also be completed without requiring an in-person branch visit.

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 2026-07-16 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: U.S. BANCORP
State: IL

Complaint narrative:
This is a fresh complaint following up on a previously closed case. U.S. Bank wrongfully denied my prior claim because their automated systems investigated a completely wrong, unrelated check transaction.The bank reviewed a normal, valid payment made to the business that cleared correctly. That is NOT the check under dispute.The actual check under dispute is for {$370.00}, which cleared my account via XXXX XXXX XXXX under Sequence XXXX XXXX. U.S. Bank completely failed to review this specific transaction.The intended payee has already signed a Forged Endorsement / Non-Receipt Affidavit ( attached ) confirming they never received or endorsed this {$370.00} check. U.S. Bank is ignoring the correct check and the legal affidavit in their possession. I demand that U.S. Bank review the actual disputed {$370.00} item and enforce the Breach of Presentment Warranty against XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My VA loan was originally through Mortgage Solutions but then XX/XX/XXXX of XXXX it was sold to then PHH when they took over is when we started having really major issues with the account come the first of the year the company then changed his name yet again to Onity they're having issues with payments not being posted my credit reports being posted as being late when it wasn't or missed when it wasn't in may we received an email from them that they have placed us in a trial program for the VA and that the first payment would be due on XX/XX/XXXX and it would run from XXXX to XX/XX/XXXX at this time I had money in the suspended balance account but no one can give me a reasoning as to why but I was told that I could use that amount towards XXXXXXXX XXXX payment which I did I was also told that I was okay to pay through the portal which I did on XX/XX/XXXX on XX/XX/XXXX I noticed that the account was still red and that it looked like only partial payment was put so I tried to get in touch with the live agents through the chat every time that they would try to go look and find out what happened the chat would end this happened many times I also would reach out to them only to be told that a supervisor would call me and no one did I even went and sent emails to have no email returned I was finally able to get in touch with an agent Yesterday by the name of XXXX XXXX XXXX who learned that the payment half of it went to XXXX 's payment and the other part went to XXXX with no explanation as to why this happened I was also told that the suspend balance account was not supposed to be used yet nowhere in the paperwork did it State this nor did the agent who I originally spoke to back in XXXX told me that it couldn't be used I was told that it was fine I also learned that I wasn't supposed to use the portal I was supposed to call which nobody said to me nor explain the program to me XXXX tried several times roughly five times to get a supervisor on the line with no luck so she put in several requests for different apartments to look into this and figure out what happened and was told that a supervisor would call me today so far no supervisor has done so. Because of all this the company reported to all three credit bureaus that the payment was late and I now run the risk of being removed from the program which means that I could lose 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
Consumer complaint received 2026-07-16 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: MD

Complaint narrative:
Wells Fargo has declined greatly over the last 5 years. I have banked with them for XXXX + years and they stole XXXX $ in overdraft fees from me. This past time I was charged 2 overdraft fees for balances that werent even posted until later in the day. Absolute thievery. The only bank who seems to be able to justify stealing from their customers. I have told every single person I know to stay away. For a company that stole millions of dollars from veterans I should have closed my account then. What an abysmal bank and even worse level of service. Un justified XXXX $ overdraft fees and a refusal to refund them. I hope they close down soon, crooks. Taking peoples hard earned money for no reason - absolute thievery.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I saw that I had a charge of {$160.00} for " CitiBank Safeguard Protection plan ''. I never agreed to a protection plan or signed up for one. I did some reach and found that I was being charged for this plan for over 18 months ( that was as far as I could go back and check ). I never used this protection plan and never signed up for it. I contact CitiBank by text and they said that I need to call. I called the number on the back card and they said that I needed to call another number as that department handled the protection plan. I asked for it to be canceled and refunded at least for the past six months ( some months had a charge for almost {$200.00} for the protection ). I asked to speak to a supervisor and for proof that I signed up for the protection plan ( I know that I never did ). The woman ( XXXX in XXXX ) on the phone said that there was no supervisor but that she will cancel the plan. She could tell that I never used it and she said that she will turn it over to another department to see what and how much of a refund I would receive. I received a letter today, XX/XX/XXXX, saying that I signed up for the protection plan in XXXX ( but they did not give any proof ). The plan was canceled but no refund of any kind will be given. This is deceptive and unfair.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I pay my credit card in full every month with the same bank account. This month, randomly, it says " There was a problem with your online payment. '' They did not accept my bank payment and now added a {$29.00} " returned check '' fee even though I didn't even pay with a check. I called my checking account bank and they said everything 's fine and to call Citi. I called Citi and they said there's nothing they can do. What the XXXX? I have used this account to pay all my credit cards and bills for years and always pay in full. Now they randomly won't accept it, won't give me a reason, won't give me any info at all, and they added these other charges. I am not paying an extra XXXX in charges and I expect compensation for my time sitting on hold with Citi. Not the first major problem I've had with Citi and I will not be using them anymore.

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 2026-07-16 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I signed up for a Truist XXXX XXXX XXXX Credit Card with the sign up bonus advertised as XXXX points for XXXX in spend in 90 days. I hit the SUB within the 90 days, and have not received any information or notice that it has been awarded. I hit it over 5 weeks ago, and I let the statement post. It has not. I called and they kept telling me to wait and wait and can not provide any information over the phone on why it has not posted or when it will. I have spoken to supervisors and reps and they are unable to solve this issue or help me out. I spent hours on the phone trying to get a simple verification that it was met and will be issued to no avail. I lost out on the sub due to the lack of technology and inept cs reps.

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 2026-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I traded in my vehicle and the dealership ( XXXX XXXX XXXX ) completed a full payoff of my Hyundai account. However, due to a dealer buyout delay during the transition, Hyundai XXXX XXXX incorrectly reported a XXXX late payment on my credit report. I had no custody of the vehicle or control over when the dealership processed the payoff check. The account is now closed and fully satisfied on XX/XX/XXXX. Reporting this as a late payment is inaccurate and unfair, as the delay was entirely administrative on the dealer 's end. I request that Hyundai XXXX XXXX submit an electronic correction to XXXX, XXXX, and XXXX to remove the XXXX late mark and report the account as clean/paid on-time.

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 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I filed a fraud dispute on XX/XX/XXXX for over XXXX unauthorized transactions on my debit card. The bank issued provisional credits on XXXX. I've called repeatedly, and the bank says the investigation is still " pending. '' It has been XXXX calendar days for a domestic dispute. Today, XX/XX/XXXX, they told me they're still waiting on the merchant response. They are breaking federal law keeping this open.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Secured card. I spoke to several agents XXXX different times. The first time I called a new statement cycle had not started and they would be sending my deposit balance back as well as closing the account. The agent assured me they could not access the statement because it had not been generated yet and there would be no problem closing the account. After this did not occur and I received a new billing I called, when I was told I had to pay the minimum payment ( balance due ) because there was now an interest charge and the account could not be closed until i made a payment. I made the requested minimum payment of XXXX then {$10.00} extra to be sure. The account closed a few days later and I no longer had access to it. There was a {$0.00} amount due. I had again been told the remaining secured deposit was being returned when this happened. Finally I noticed a random charge to my checking account that did not match any balance minimum or complete payment as in the autopay agreement 7 days later. This charge made no sense also because it leaves a balance to be charged against my secured deposit for another cycle yet. I again called and was told this is an autopay mistake and would be refunded to my checking account. I was disconnected in the process of the refund so I called back when I spoke to supervisor XXXX. In the process of again refunding the unauthorized charge which she also said was a mistake, I got disconnected again after XXXX required me to give my bank account and routing number which I told her I was uncomfortable doing. I was again disconnected immediately and feel my only recourse is a complaint and to dispute the unauthorized transaction with my bank. In summary, there was a XXXX balance due, account already closed, and I was supposed to be receiving money from them when the unauthorized charge was made to my bank account. They should not be allowed to make charges using autopay whenever and for however much they want. I need to be able to budget. They should also not be allowed to charge interest after I asked for the account to be closed and there was a deposit to be returned. They also should not be charging me anything when they are supposed to be returning my money.

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about * * XX/XX/year> * *, I discovered what appeared to be duplicate XXXX guest checkout charges that had been posted to my account over a period of approximately * * six months * *. The duplicate transactions were not immediately obvious because they were spread across multiple billing periods. After reviewing my account history, I identified what I believe are erroneous duplicate charges totaling an amount of at least XXXX over the course of 6 months. As soon as I discovered the issue, I contacted USAA to report the duplicate electronic transactions and dispute the charges. Rather than promptly resolving the matter or ensuring I had access to my funds during the investigation, USAA froze my account and/or restricted access to my funds. This left me without access to money needed for everyday expenses and caused significant financial hardship. I believe USAA failed to properly handle my dispute under the Electronic Fund Transfer Act and Regulation E. After I reported the apparent electronic fund transfer errors, USAA did not provide timely access to my funds or, if required under applicable law, issue a provisional credit while the investigation was pending. Instead, I was effectively penalized because of what appears to have been a payment-processing or merchant billing error. I made every effort to resolve this issue directly with USAA, but my funds remained restricted and the matter was not resolved in a timely manner. I am requesting that the CFPB review whether USAA complied with its legal obligations in handling my dispute and protecting my consumer rights.

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