vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage incorrectly associated my mortgage loan with the wrong XXXX XXXX property tax parcel. The loan should be associated with the parcel for my mortgaged unit, but Shellpoint appears to have used the parcel for another apartment that I also own and pay taxes for directly through ACH payments. Because of this error, Shellpoint disbursed escrow funds to the wrong property tax account. I identified XXXX incorrect escrow disbursements : XX/XX/XXXX {$2100.00} XX/XX/XXXX {$580.00} The total amount incorrectly disbursed from my escrow account was {$2700.00}. After these incorrect disbursements, my escrow account showed a negative balance. Shellpoint then completed an escrow analysis and increased my monthly mortgage payment from {$2300.00} to {$3100.00} effective XX/XX/XXXX. This represents an increase of {$820.00} per month, resulting from an escrow shortage that appears to have been caused by Shellpoint sending tax payments to the incorrect parcel. I contacted Shellpoint multiple times by phone and spent several hours trying to resolve the issue. I explained that the wrong parcel was associated with my mortgage loan, that the tax payments were sent to the wrong property tax account, and that the escrow analysis and monthly payment increase were based on incorrect information. I requested that Shellpoint correct the parcel information, investigate the incorrect tax disbursements, refund or reverse the XXXX incorrect escrow payments, re-run the escrow analysis, and correct my monthly mortgage payment. Shellpoint repeatedly told me the issue was being escalated and reviewed by the escrow team. I was told I would receive a definite answer by XX/XX/XXXX, but when I called on that date, there was still no resolution. On XX/XX/XXXX, I spoke with an escalation XXXX named XXXX. He stated that while Shellpoints Property Tax Department works with the XXXX XXXX Property Tax Department, Shellpoint would refund the XXXX incorrect disbursement amounts by XX/XX/XXXX. I am filing this complaint because Shellpoint misapplied escrow funds, failed to correct the parcel error promptly, allowed the incorrect disbursements to create an escrow shortage, and increased my monthly mortgage payment based on an incorrect escrow analysis.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
citi closed by credit card, Citi/XXXX XXXX XXXX XXXX XXXX XXXX due to payment processing problems between themselves and my bankXXXX XXXX XXXX XXXX citi refuses to provide any avenue to re-open this card or re-issue such that I can use card and privileges that come with the {$590.00} membership fee. since with payment prob was vendor prob at my XXXX XXXX citi has closed the card and refused to refund that fee. I need to have the fee returned or card re-opened, both of which citi has refused to do, because of some policy they cant ' reveal. I have been a customer for XXXX years, never a late payment. never a ding on my credit score of over XXXX. they are being inflexible and are hurting me as a customer even though I keep trying over and over to work it out with them. please have them open the card or return the membership fee. the fee was paid for a YEAR of privileges, citi has not kept up their end of the membership agreement and refuse to make good on it. the fine print does not support their position.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a credit card account with Citibank, specifically the Citi/XXXX XXXX XXXX XXXX XXXX benefit of this card is a " XXXX XXXX, '' described in their words : " You can earn up to {$100.00} in statement credits every calendar year when you shop at eligible brands. '' On XX/XX/XXXX, I made a purchase of {$85.00} on XXXX that is eligible for this credit based on their own stated XXXX XXXX XXXX XXXX XXXX To qualify for a XXXX XXXX XXXX Credit ( XXXX ), a purchase must be made directly on XXXX XXXX XXXX, and the purchase must be fulfilled by XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX also states that it can take up to XXXX billing cycles for the credit to post. It has now been XXXX billing cycles and the credit has not posted. I first tried to resolve the issue on their customer service phone line, but the people I spoke to did not even know that the " XXXX XXXX '' was a benefit of this product. I tried again a few days later with the same result, though they eventually conceded that they would look into it and call me back. I did not receive any further contact. I have since been in touch with Citi customer service via social media, specifically the XXXX XXXX app with the following result : XX/XX/XXXX : I was told the " Backend team '' would look into it and I would need to wait XXXX business days. XX/XX/XXXX : I followed up as I had not heard from anyone. I was told that there was a delay in the credit posting and that I should wait until the next billing cycle. XX/XX/XXXX : I followed up because another billing cycle passed and the credit was still not posted. I was told that they are " aware '' of the delay and that it is being worked on. I asked if there was a timeline for when this will be fixed, and they said they could not give me any indication of how long it would take. I believe I have been patient enough in waiting for them to fix processing errors on their end and that this has gone on too long. It seems at this point like they will continue to tell me " it will be fixed '' for an indeterminate amount of time until I give up. I am owed the credit, and it is well past due at this point according to their own Terms and Conditions for this product benefit.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX I had all accounts associated with me at Wells Fargo frozen for a fraud alert. I have a CD and checking account, and my parents are linked to my account as well. They have XXXX 's, a checking account and savings account. The fraud alert was for someone trying to access my parents checking account. On XXXX, XX/XX/XXXX I went into Wells Fargo bank in XXXX NJ, where I worked with an associate to reactive my account and keep the freeze on my parents checking account. Within an hour of the freeze being lifted on my checking account some person in XXXX XXXX was able to walk into the local Wells Fargo bank and fill out a withdrawal slip with my account number. My signature doesn't match, they didn't put in my address or anything. And they were able to walk out with XXXX dollars of my money. I believe it might be an inside job and would look into the XXXX NJ Wells Fargo bank and staff there. It was like they were waiting at the bank in SC ready for the freeze to be lifted from my 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 monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because I can not determine the location of my {$120.00} after a failed bank transfer between my Wells Fargo account and my XXXX account. I initiated a transfer of {$120.00} from my Wells Fargo account to my XXXX account. During the process, the transfer was suspended. After contacting customer service, I was informed that the suspension had been removed. Later, I received an email stating that the transfer was unsuccessful. My Wells Fargo account has since been closed and can not receive deposits. I have contacted both Wells Fargo and XXXX multiple times. Neither company has been able to tell me where my {$120.00} is, who currently has the funds, or how I will receive my money. I have been unable to obtain a clear explanation or a timeline for when the funds will be returned. I am requesting that Wells Fargo investigate this transfer, identify the current location of my {$120.00}, and promptly return the funds to me. If the funds can not be credited to my closed account, I request that they be returned by another appropriate method, such as a check, and that I receive a written explanation of the resolution. I have made repeated attempts to resolve this issue directly with Wells Fargo and XXXX, but I have not received a satisfactory answer.

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 2026-07-02 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I canceled my XXXX XXXX XXXX purchased through XXXX XXXX XXXX XXXX. The dealer confirmed by email that the service plan was canceled within XXXX days of purchase and specifically stated that I would not be charged for the XXXX XXXX I have attached copies of these email communications as supporting evidence. Despite the cancellation, I later discovered that the installment agreement associated with the service plan remained active. To resolve the issue, I prepared and mailed a written cancellation request to XXXX XXXX XXXX, XXXX requesting cancellation of the installment agreement and review of any applicable refund. Although the written notice was mailed after the timeframe requested by XXXX, the underlying service plan had already been canceled by the dealer effective XX/XX/year>, and I had documentation confirming that no charges should have been assessed because the cancellation occurred within the dealers XXXX cancellation period. Based on the dealers written confirmation, I believe the installment agreement should have been canceled and any balance associated with the canceled service plan should not have remained active. I have made good-faith efforts to resolve this matter by providing written notice and supporting documentation. I am requesting that XXXX XXXX XXXX review the dealers cancellation confirmation, cancel the associated installment agreement effective XX/XX/year>, remove any amounts that should not have been charged, refund any payments made in error ( if applicable ), and provide written confirmation that the account has been properly resolved.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> I went in to deposit a check of {$18000.00} dollars that I received from a lawsuit. I explained the whole situation to the banker that was helping me at the Wells Fargo location and I showed proof from my attorney they called the employer to get verification but they didnt answer and they went ahead and allowed me to deposit the check because he claimed he knows the employer and it was okay. By XX/XX/year> I checked my account and portion of the {$18000.00} was already available. I went ahead and sent {$200.00} dollars to my mom and the next day XX/XX/year> I got a notification that the check was being returned because of the signature. Then I went ahead and went to the bank and told the same person that helped me last time what had happened and he told me to just wait and contact the employer that issued the check. My attorney went ahead and contacted them again and they issued another check and I received it on the XX/XX/year> and I went to the bank once again, they told me the same thing to just deposit the check of {$18000.00} in the atm and he walked all the way with me and that he had called the employer for verification but they didnt answer. He told me wait to use any amount once the check was available to avoid any more issues. The the same day around XXXX I received a call but I missed it. They left me a voicemail saying that my account is being closed. Today XX/XX/year> I called Wells Fargo and they told me my account is being closed down because of a fraudulent check that was deposited twice. I asked what I can do and I told her that it was out of my hands since it is a lawsuit check and she said no, sorry your account is being closed down and you cant longer bank with us. Its frustrating that my account is being closed down for something that isnt my fault, it is a check that my attorney received from the employer and was sent to me. Can you please help me out. My attorney advised me to make a complaint due to that this isnt our fault and my account shouldnt be taken down. 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 non-monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an account being reported and/or collected under account number XXXX in the amount of approximately {$21000.00}. I did not open, authorize, benefit from, or agree to be responsible for this account. This account was identified in my official FTC Identity Theft Report, report number XXXX. I recently discovered this negative collection account on my consumer credit report, and it has caused serious damage to my credit standing, credibility, and ability to obtain fair credit terms. I have no knowledge of this account, and I dispute any claim that I owe this debt. Because the account is connected to identity theft, Sentry Recovery is required to conduct a reasonable investigation, cease reporting information that can not be verified as mine, and stop any collection activity connected to this disputed fraudulent account. I am formally demanding that Sentry Recovery provide the complete documentation used to claim this account belongs to me, including the original signed contract, application, itemized billing history, chain of assignment, purchase agreement, validation documents, and all records showing how my identity was verified before this alleged debt was reported or collected. If Sentry Recovery can not provide legally sufficient proof that I personally opened and authorized this account, it must delete the account from all consumer reporting agencies and cease all collection activity immediately. This account is listed in my FTC Identity Theft Report, and I am requesting that the CFPB require Sentry Recovery to remove this account and stop furnishing or collecting on any information connected to this identity theft claim.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am disputing a single XXXX late reported by Bank of America on my BankAmericard Platinum Plus Mastercard XXXX XXXX ( opened XX/XX/XXXX ) for XX/XX/XXXX. The late payment was caused by a Bank of America system change, not by any failure on my part to pay. Bank of America discontinued accepting debit cards for automatic payments. My autopay had been funded by debit card, so when the change took effect, my automatic payment stopped without my knowledge. I received no meaningful notice : the " Notifications and Letters '' section of my online account is empty, and I received no past-due or missed-payment alert only the same routine " payment due '' emails I have received for XXXX years while consistently paying on time. A phone representative told me Bank of America " notified everyone, '' but I have no such notification, and I ask that Bank of America be required to produce the specific individualized notice it claims was sent to me, with the date and method of delivery. When I attempted to add my XXXX XXXX checking account ( ending XXXX ) in the Bank of America app to make the payment and restore autopay, the app returned " Unable to add account. Please try again later. '' Bank of America 's own system both caused the missed payment and blocked my attempt to cure it. I have screenshots of all of the above. This is the only late notation in the account 's history I made XXXX consecutive on-time payments from account opening through XX/XX/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 2026-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
XXXXaypoint Resource Group I am filing this complaint regarding a {$190.00} collection account being reported by Waypoint Resource Group on my XXXX credit report. I dispute a {$190.00} telecommunications collection account reported by Waypoint Resource Group ( account ending in XXXX ) related to XXXX XXXX. I contacted Waypoint Resource Group and spoke with a supervisor named XXXX. I was informed that the account had been returned to XXXX XXXX and was no longer being handled, owned, or serviced by Waypoint. Despite this, Waypoint continues to report the collection account on my credit file. Waypoint representatives were unable to provide me with complete account information and advised that additional internal departments, including their credit reporting department, would need to review the matter. If Waypoint no longer owns or services this account, it should not continue furnishing this information to the credit bureaus. I dispute the validity of the reported debt and do not believe I owe the alleged {$190.00} balance. I respectfully request that : 1. Waypoint Resource Group provide written validation of its authority to report this account. XXXX. If the account was returned to XXXX XXXX, Waypoint immediately request deletion of the tradeline from XXXX. 3. All inaccurate information be removed from my consumer credit file. Thank you for your prompt attention to this matter.

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this CFPB complaint against Credit Collection Services regarding account number XXXX. This account is listed in my FTC Identity Theft Report, report number XXXX. I did not open, authorize, or agree to be responsible for this account, and I have no knowledge of the alleged debt. This account is being disputed as identity theft. I recently discovered unauthorized negative collection accounts on my consumer credit report, including this Credit Collection Services account, and these accounts have damaged my financial standing. I am demanding that Credit Collection Services immediately conduct a reasonable investigation and stop reporting or collecting on this account unless it can prove that I personally authorized the debt. Credit Collection Services must provide the original signed contract, application, complete billing history, chain of assignment, proof of ownership, validation records, and all documents used to verify my identity. If Credit Collection Services can not provide original proof tying me directly to this alleged debt, continued reporting or collection would be inaccurate and harmful. Because this account is included in an FTC Identity Theft Report, I am requesting deletion, closure, and written confirmation that no further collection or reporting will occur. Desired resolution :

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I have a business account witXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they froze my account until today. I have called and going to local branch mutable times and the bank can not give a answer why it's bee frozen. There is no letter email text message or a phone call that is contacting 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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year> I XXXX {$790.00}, XX/XX/year> I XXXX {$750.00}, XX/XX/year> I XXXX {$1000.00} to XXXX XXXX to buy gold jewelry but it turned out it's not real gold. I contacted him asking for a refund and he said he transferred the money to his company in XXXX and that he has no money now to refund me. I want my money back. This is fraud and also international money laundering. I contacted Wells Fargo as my bank to get my money back but I got rejected and denied.

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