vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC System is attempting to collect a fraudulent XXXX XXXX XXXX telecommunications debt of {$230.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. A previous CFPB complaint was filed however the FTC Identity Theft Reports were not properly attached. IC System 's previous response stated the account was flagged as disputed but did not remove it. I am refiling with complete documentation including both FTC Identity Theft Reports driver 's license Social Security card and utility bill. I did not open authorize or benefit from this account in any way. ''

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 2026-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a collections notice through the mail from a debt collection agency representing XXXX XXXX XXXX in the amount of $ XXXX. Wife contacted XXXX XXXX XXXX and the collection agency, only to be made aware that another individual had signed up for internet services using my name and address fraudulently. XXXX XXXX XXXX  WIRELINE FRAUD requested we fille a police report and with the CFPB

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The Servicing Error & Timeline Truist failed to provide the mandatory 30-day advance notice of an Escrow Account Adjustment as required by Consumer Financial Protection Bureau ( CFPB ) Regulation X ( 12 CFR 1024.17 ).

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently made a payment to Bank of America to pay off my credit card. The amount was {$5700.00}. I confirmed this was the correct amount via their information online. Online it clearly stated " Staement balance {$5700.00}, Total balance {$5700.00}. No other mention or indication of additonal monies needed or owed. Bank of America 's online portal is also where by the way they consistently tell you to go to get up-to-date information on your account and when the wait times to long, i.e " We are experiencing higher than usual call volumes ''. I made the payment via an online payment on XX/XX/XXXX. My statement date is XX/XX/XXXX. I looked at the account this morning to find there is a {$100.00} balance. What? Now I'm told that is interest charges for the days it took for BofA to process my payment. Why is their lack of efficiency my issue. I paid them what they asked for in the exact amount. 

I feel this is deceptive, manipulative and misleading. When do you ever catch up on the payment if they charge interest during processing days? 

I want BofA to stand behind the payment they asked for, communicated and which I paid. 

IN the photos I attached the Statement balance was {$5700.00} before XX/XX/XXXX, BofA can verify that.

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 2026-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
The collection agency ProCollect Inc. is trying to collect a debt of {$1700.00} from me that belongs to the original creditor XXXX at XXXX XXXX XXXX. I also requested validation of this debt, and the company failed to provide it. I did not owe this debt to XXXX either.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
My US Bank account was closed on XX/XX/year>. The letter stated a cashiers check would be sent out within XXXX to XXXX days for the remaining balance in the account which was just over {$2300.00} The check never came and has supposedly been re issued XXXX. It still hasnt came, they wont let me speak to anyone who can help me. I am now about to lose my home and the closest branch is almost XXXX hours away and they said even if I went there they could not reissue the check there. The last time I called for a reissuance was Thursday XX/XX/year>.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BOFA offered me a promotional credit card payment plan valid for XXXX months ( expiring on XX/XX/XXXX ). Due to confusion regarding the month, I paid the full amount on XX/XX/XXXX. I contacted them after noticing additional charges ; although they agreed to waive those charges, they did not waive the interest fees. When I contacted them again, they stated that it was not possible to waive the interest charges. 

XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED ON PURCHASES XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED ON PURCHASES 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 monetary relief
Consumer complaint received 2026-07-13 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
I reported that i did not receive my deposit holds from my XXXX rental reservation and sent receipts to the bank and they never sent me confirmation of my {$200.00} being placed back into my account. I am mssing {$400.00} in deposit holds that I never receied from my bank card.

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 2026-07-13 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: CITIBANK, N.A.
State: MI

Complaint narrative:
TODAY, I am writing to report the continuous and disruptive harassment caused by Citibank. NOW my Home Depot credit card is blocked for 'security reasons ' and when I attempted to make a purchase I could not. Despite my account being in good standing, these unwarranted security locks prevent me from using my line of credit and cause significant frustration. I request that Citibank review and adjust their security trigger algorithms and provide a permanent fix to stop these ongoing blocks. '' This is harassment and it seems to start with one card, then goes to the next and the next! This is the second credit card that Citibank has done this to and I'm expecting the third to be anytime time now with my Wayfair credit card ... This continuous and disruptive harassment is not warranted, they put a fraud alert on another card that had not even been activated. NOW my Home Depot card is being treated the same way even though I have been paying and using the card for over sometime now ... XXXX XXXX FROM CORPORATE ESCALATIONS NEW NOTHING, WAS RUDE WHICH PUT ME ON THE DEFENSIVE, AND OFFERED NO HELP, HE DID OFFER A LOT OF EXCUSES...

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 2026-07-13 00:00:00
Product: Mortgage — FHA 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
o Whom It May Concern, I am writing to demand an immediate XXXX review, a manual management override, and an immediate hold on all foreclosure or collection actions regarding my FHA loan ( Account # XXXX ) XXXX  Loss Mitigation is currently refusing to move forward with my FHA Trial Payment Plan due to an automated system termination caused by a nominal variance of {$0.00}. However, my account history proves that this shortage was officially waived and resolved by your management team weeks ago. 
The chronological facts of my compliance are documented as follows : XX/XX/year> : I spoke with XXXX separate supervisors named XXXX, XXXX, and XXXX. All three supervisors explicitly approved the {$0.00} shortage. They authorized a XXXX agent to take the {$0.00} shortage payment over the phone, and that payment was successfully applied to my account that day. They verbally guaranteed my trial plan would remain active. 
Daily Calls : Following this, I called XXXX every single day to ensure my account remained in compliance and to confirm the system reflected the active status. 
Monday, XX/XX/year> : I spoke with a XXXX representative who explicitly confirmed that the plan was fully approved. I was told the system simply " takes a few days to update on my end, '' but that the trial plan was secure. 
Today : I called and was informed that the automated system has wrongfully cancelled my trial plan. Loss Mitigation representatives acknowledged the supervisor notes and apologized, but claimed they " can not move forward '' because of the system status. 
Hiding behind an automated system error to drop an active FHA modificationafter XXXX separate employees explicitly authorized the payment and confirmed my complianceis a severe violation of FHA loss mitigation guidelines. 
I have meticulously logged all call dates, times, and employee names. I am demanding that an XXXX Resolution XXXX manually override this automated system error, pull the call audio from XX/XX/XXXX and XX/XX/XXXX to verify these facts, and reinstate my FHA Trial Payment Plan immediately. 
I am simultaneously filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the HUD XXXX XXXX XXXX. 
Please reply immediately to confirm receipt of this email and to provide my XXXX Ticket tracking number.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I opened a checking account with BMO. 
On XX/XX/year> I was emailed to bring verification into a branch to verify my identity because I opened the checking account online. 
On XX/XX/year> I called XXXX XXXX and asked did she submit my verification documents to the fraud operations department and she stated she submitted all documents that I gave to her on XX/XX/year>. 
Between XX/XX/XXXX and XX/XX/year> I've called BMO to see if the verification was received and if my account was good to go. A representative told me the account was closed on XX/XX/year> because verification documentation was not received on my behalf. 
I was very confused because I physically walked into a local branch and gave the banker XXXX my documents. 
When I called XXXX XXXX around the beginning of XXXX to confirm she sent the documents to fraud operations she stated she did then retracted and said she doesn't see my ID on my profile anymore. 
How did my ID just randomly disappear from the system? 
Did XXXX ever submit my documents to begin with? I feel I was being discriminated against because of my race and XXXX never submitted my documents to begin with to open my BMO checking account.

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: NJ

Complaint narrative:
I paid off my mortgage loan on XX/XX/year>. After the payoff was completed, I expected to receive the remaining balance from my escrow account. As of XX/XX/year>, I still have not received the escrow refund check, nor has one been issued according to the account activity history. 

Concerned about the delay, I contacted the mortgage servicer twice within the last two weeks. During both calls, I was informed that the matter would be escalated and that the company was experiencing " back-end '' issues related to escrow refund payouts. I was also told to continue checking my account activity history to see when the check would be issued.

Despite these assurances, no escrow refund has been issued and no resolution has been provided.

I am filing this complaint because the escrow refund remains outstanding more than six weeks after the loan was paid in full, and the company has not provided a clear timeline for payment or an explanation for the continued delay. I am requesting that the company immediately process and issue my escrow refund and provide written confirmation of the amount owed and the payment status.Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Account was closed due to fraud and overdraft from fraud so they are keeping my military XXXX XXXX  to pay debt or creditors I have no money and the want me to wait 60days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — Store credit 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:
I am disputing a {$110.00} charge that suddenly appeared on my XXXX XXXX XXXX XXXX account ending in XXXX after my account had already reflected a credit balance and then a zero balance for multiple billing cycles. My XXXX, XXXX, and XX/XX/year> statements showed no balance due. Then, on my XX/XX/year> statement, a transaction dated XX/XX/year> with the description " XXXXXXXX XXXX  XXXX XXXXXXXX XXXX '' was added, creating a balance of approximately $ XXXX have contacted Macy's/Citibank customer service multiple times . Representatives could not explain where this charge originated, and several stated there were no notes documenting my previous calls. Eventually, I was told the issue involved a payment from a bank account that does not belong to me. I have never had an account with that financial institution and never authorized anyone to make payments on my behalf.I also discovered that I have a second XXXX 's account ending in XXXX. The online activity for that account shows a {$110.00} payment followed by a {$110.00} payment reversal on XX/XX/year>. However, instead of reflecting a payment reversal on my XXXX XXXX account, a XXXX adjustment was added months later using an internal description. No one has been able to explain why this occurred or provide documentation showing that I owe this amount.Despite repeatedly disputing the balance, late fees have been assessed and I am concerned about damage to my excellent credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I came in person into a Wells Fargo Branch on XX/XX/XXXX in XXXX, Florida to deposit a Cashiers Check for XXXX into my personal checking account. The cashier check was from my mom, and thus we have the same last name. It was made the same XXXX  prior to arriving at an XXXX XXXX  branch. The WF branch placed a 4 day hold ( XX/XX/XXXX ) on {$9700.00} citing the following special circumstance : Information indicates the check may not be paid. Its a cashiers check, its guaranteed by the bank/institution that issued the check. Did they call to verify the check? No. They just placed an hold. Under federal law, they are required to make the first {$5500.00} available by the next business day. They have not even done that.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I wired a sum total of {$57000.00} from my XXXX Bank account to Wells Fargo Bank ( on XX/XX/year>, XX/XX/year>, & XX/XX/year> ), and the receiving bank states that my money disappeared.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: IA

Complaint narrative:
I was displaced from a ceiling collapse, statefarm wrote checks from usbank addressed to me. They refused to cash the checks unless I opened an account. Ive been with them about a month now. Ive had to have 3 checks from statefarm/usbank cashed/deposited. Every check theres different issues. First check i was forced to open an account i didnt want. The second check i could only deposit. The third check i couldn't cash with my id and checking account debit card without verifying with my phone which I didnt have at the time and was forced to leave and come back with my phone. Then at the end of the transaction they refused to give me a receipt and said they dont give receipt for cashing checks through my account. So I asked to close the account which she denied and I had to leave dissatisfied.

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 2026-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
The company refuses to send each signer on the loan their own separate disclosures. I requested it and they said no. I spoke with XXXX and she refused my request. When. I said I would complain to the CFPB she said okay. Each borrower should be able to receive their own disclosures and not dependent on someone else.

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 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
My payments to Fortiva have taken a turn for the Worse because they are Executing a Fraudulent Time Zone Trap by using XXXX Eastern Standard Time when I am in Pacific Standard Time Zone . 
Fortiva XXXX Parent Company XXXX  uses XXXX Eastern Standard Time XXXX They keep me on the phone for unnecessarily long periods of time without accomplishing anything and Talk in Circles as if to intentionally trying to trap me for a late payment that is {$12.00} higher than my payment. I will be reporting this to Fortiva XXXX Card Issuing Bank ... the Bank XXXX Missouri. This will be reported to the XXXX of XXXX in XXXX. 
I need to have ALL LATE PAYMENT CHARGES REMOVED.Y BILL HAS NOT REDUCED SINCE I OPENED IT LAST YEAR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/year>, I found out this credit card was reported more than 30 days late. Given all my cards with this bank should be on autopay, I was confused. When I logged into my accounts online, I found that autopay had been removed for all my old cards except for the new one I just received. I then realized this must have occurred because I closed a deposit account with this bank recently. They have a bug in their system where if a deposit account is closed, all the autopays are removed even though the pay from accounts are external and none are internal. This is something the bank has refused to fix nor inform customers adequately about and they have destroyed my credit with this late payment report that is completely a bank error and not something that I could conceivably be at fault for. Furthermore, this bank does not notify the customer when this occurs by phone, by email or by mail ( nor gives the option ) despite them having all this info. They seem to want credit cards to be charged off.

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