vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
* Wells Fargo Auto Account Dispute & Emergency Stay Request * My vehicle was repossessed on XX/XX/year>. Wells Fargo has completely blocked my online digital banking access, preventing me from viewing my account statements or breakdown of fees. Wells Fargo branch representative has provided written documentation demanding a payment of {$2100.00} by XX/XX/year>, threatening to sell the vehicle immediately after. This 12-day timeline is a direct violation of Illinois law ( 625 ILCS 5/3-114 ), which mandates a strict 21-day redemption period before a lender can dispose of a vehicle or transfer title. Furthermore, Wells Fargo 's repossession vendor, XXXX XXXX, has breached the vehicle and withheld my essential personal belongings, medication, physical apartment keys, my mail and documents where you can see my personal information first last name address with apartment number where is my privacy exposed cos they also keep my apartment keys, also my very expensive liquor gifts couple bottles of expensive vodka and MOT claiming by their policy everything what is liquid they will throw away my expensive creams and honey whats my medicine very expensive to order throwing them into trash bags and refusing access. And most important thing my DASH CAM what I buy at XXXX where I provide my receipt claiming that everything what attached to dashboard belongs to vehicle with my personal data on dash cam what someone can use so mu privacy its exposed and first time when I call Wells Fargo representative said that no one have right to break in to vehicle without my presence and I have 60 day before they break in and take out my stuff but I guess for XXXX XXXX company that rule does not apply they are break in my car illegally without my permission! I am requesting an immediate federal regulatory investigation into Wells Fargo Auto for violating state redemption laws, digital data blocking, and unlawful conversion of personal property. I demand an immediate emergency freeze on the scheduled XX/XX/XXXX vehicle sale. Information about company who towed my car : XXXX XXXX & XXXX # XXXX Towing Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Services : Towing, vehicle recovery, repossession, XXXX services, and vehicle storage.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Second Complaint Failure to Return My Funds and Failure to Follow Up I am submitting this second complaint regarding Bank of America because my previous CFPB complaint ( Complaint ID : XXXX ) was closed without my issue being resolved. My original complaint concerned Bank of Americas failure to return my funds totaling {$6300.00} after my account was closed. I have been attempting to recover my money since XXXX. I was an international student in the United States and I now reside in XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX ( XXXX ) XXXX from a person who identified themselves as being from Bank of America. During that call, I was told that I would receive an email with further instructions regarding my case. However, no email was ever received. In addition, Bank of America assigned XXXX XXXX XXXX as my point of contact. XXXX XXXX previously emailed me regarding my complaint, and I replied promptly with the requested information. Despite my response and follow-up, I have not received any further reply or update from him. I currently live in XXXX XXXX and I can not travel to the United States to resolve this matter in person. I have made every reasonable effort to cooperate with the bank through phone calls, emails, previous complaints, and requests for an international wire transfer or other payment method, yet my funds have still not been returned. I respectfully request that Bank of America : 1. Immediately locate and return my funds in the amount of {$6300.00}. 2. Respond to my emails and provide clear written communication regarding my case. 3. Explain why I was promised an email on XX/XX/XXXX, but never received it. 4. Explain why my previous complaint was closed without resolving the issue. 5. Transfer my funds to my bank account in XXXX XXXX, or provide another secure payment method that does not require me to travel to the United States. 6. Provide a written explanation of the account closure and confirm the current location of my funds, including whether they were transferred to a state unclaimed property program. I respectfully request the CFPBs assistance in ensuring that Bank of America provides a meaningful resolution rather than closing complaints without resolving the underlying issue. Sincerely, 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 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/2026, I enrolled in my mortgage servicer 's AutoPay program and received written confirmation that it had been established. My biweekly payments in XX/XX/2026 were processed without issue, and my mortgage account remained current. On XX/XX/2026, an AutoPay payment of * * {$830.00} * * was successfully drafted from my bank account. After that payment had already been processed, I canceled AutoPay for future payments because I wanted to change my payment schedule. Following the XX/XX/XXXX payment, my mortgage account began reflecting an amount due that was inconsistent with my payment history and my understanding of how the payment should have been applied. Beginning on * * XX/XX/2026 * *, I contacted the servicer multiple times to request that the payment be reviewed and corrected. During several calls, I was told that requests had been submitted for review, that an earlier request had been processed incorrectly, and that the matter remained under investigation. On * * XX/XX/2026 * *, I was informed that my request appeared to have been denied, but no written explanation or documentation was provided. Despite additional calls on * * XX/XX/XXXX and XX/XX/XXXX * *, the issue remained unresolved, and I was unable to communicate directly with the assigned case manager. Because the disputed amount remained on my account and my XXXX mortgage payment deadline was approaching, I felt compelled to submit an additional payment of * * {$1500.00} * * on * * XX/XX/2026 * *, solely to prevent my loan from becoming delinquent, avoid late fees, and protect my credit. I made that payment under protest while continuing to dispute how the XX/XX/XXXX payment had been applied. Requiring me to advance these funds while my dispute remained unresolved has created a significant and unexpected financial burden for my family. I believe the servicer failed to properly investigate and correct a potential mortgage servicing error despite my repeated requests. I am requesting that the company conduct a complete investigation, explain how the XX/XX/XXXX payment was applied, correct any servicing errors, adjust my account as necessary, reverse any improper charges or adverse consequences, and reimburse or credit any funds that I was required to advance because of the unresolved dispute.

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 2026-06-30 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Dispute Narrative XXXX Charge {$620.00} / Missing Refund {$160.00} Complainant : XXXX XXXX XXXX Tracking : XXXX Return Date : XX/XX/year> Merchant Receipt of Items : XX/XX/year> Merchant Contacts : XX/XX/year> ( Chat ), XX/XX/year> ( Chat ) On XX/XX/year>, I made a purchase with XXXX totaling {$620.00}. On XX/XX/year>, I returned all items via XXXX using tracking number XXXX. XXXX confirmed delivery to the merchant on XX/XX/year>, and XXXX acknowledged receipt of the returned merchandise ( documentation attached ). The merchant confirmed that the full return amount of {$620.00} was due back to me. However, only a partial refund was issued, leaving {$160.00} outstanding. On XX/XX/year>, I contacted XXXX via chat regarding the missing refund. The merchant stated that the refund for the remaining {$160.00} would be processed. After no refund was issued, I contacted XXXX again on XX/XX/year>. During this chat, the merchant explicitly instructed me to file a dispute with my bank for the missing refund, acknowledging that the refund had not been processed and that they were unable to resolve it. I followed the merchants direction and filed a dispute with Barclays. Despite providing : Proof of return shipment Proof of delivery Merchant confirmation of receipt Merchant confirmation of refund owed Merchant instruction to dispute with the bank Barclays responded stating there was not enough evidence. The steps taken to resolve this matter with both XXXX and Barclays have been beyond reasonable, and the documentation clearly supports that the merchant received the items, acknowledged the refund amount, failed to issue the refund, and directed me to dispute the charge with my bank. I am requesting that Barclays complete a proper investigation and process the credit for the missing {$160.00}, as the evidence overwhelmingly supports a Services Not Received / Refund Not Processed claim under FCBA.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America engages in deceptive marketing by advertising 'Instant Credit ' functionality on their application portal. They explicitly promise that approved users can 'start using your card now ' via on-screen information and digital wallet deployment. However, as a new customer, this functionality is entirely absent, and their system actively blocks digital setup while customer support lines repeatedly drop calls. This creates a bait-and-switch scenario where a consumer applies under the impression of immediate credit availability, only to be locked out until physical mail arrives. I have contacted Bank of America and they did not offer any solution to this and admitted they deal with this issue daily. This happened on 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter stating that all my accounts are being shut down after XXXX years. This will cause a major inconvenience as i do all my banking and direct payments through this account. I went to the branch and also called the number on the letter but no one can tell me what transactions prompted this. I am asking for an explanation and for the accounts to remain 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 2026-07-03 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2026, a credit card payment of {$100.00} was successfully processed by the merchant XXXX.AI SUBSCRIPTION ( Invoice XXXX ) for a premium monthly digital XXXX plan ' intended to cover the service period of XX/XX/XXXX through XX/XX/2026. Immediately on XX/XX/XXXX, the merchant processed the payment but simultaneously downgraded the account to a restricted public XXXX XXXX, ' completely withholding the digital product and cutting off premium access on day XXXX. The customer attempted to resolve this billing error directly through the merchant 's automated customer service channels, but the merchant refused to provide a remedy. The merchant 's customer service tool explicitly stated in writing, 'Good newsyou are eligible for a refund of {$100.00} for your XXXX XXXX, ' yet their system failed to issue it. Under Section XXXX, Clause XXXX of the merchant 's own contract terms, digital access is explicitly required to remain fully active through the end of the paid billing cycle even if a subscription is canceled. A dispute ( Ref : XXXX ) was filed with the issuing bank regarding this billing error for services not rendered. The customer emailed the required signed response and evidence on XX/XX/XXXX, XXXX the bank 's XX/XX/XXXX deadline. However, the bank closed the investigation, incorrectly stating the timeframe to resolve the dispute had passed, and refused to review the merchant 's own invoice evidence.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : XXXX The amount you claim the respondent owes you XXXX An explanation showing me how you have computed the amount. XXXX Copies of any documents that prove I agreed to pay the alleged amount XXXX The identity of the original creditor XXXX Confirmation that the account has not crossed the statute of limitation ( XXXX ) period XXXX Evidence that you are a licensed debt collector XXXX Evidence of your license numbers and your registered agent. XXXX Chain of Title of ownership of the debt XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am not able to access any of my money until I agree that I will no longer get paper receipts, even though I am old and have vision issues and need these paper copies. The website would force me to consent. I have NO option. So I called Truist and spoke to XXXX people and explained that I need a paper copy and they absolutely refused! They want to charge me money! Lots of 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 2026-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I discovered multiple hard inquiries on my Equifax credit report that I did not authorize. I contacted Equifax to dispute these inquiries and requested that they verify each one by providing proof of a permissible purpose, a signed authorization or application, the date and method of authorization, and the identity of the company that accessed my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ), a company must have a permissible purpose and my authorization before obtaining my consumer credit report for a hard inquiry. I do not recognize or authorize the disputed inquiries and believe they were reported without my consent. I am requesting that Equifax and the companies responsible either provide verifiable documentation demonstrating that I authorized each inquiry or immediately remove any inquiry that can not be verified. I also request that my credit file be corrected to reflect only authorized inquiries and that I receive written confirmation of the results of the investigation. I am seeking a prompt resolution in accordance with the Fair Credit Reporting Act.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was a Bank of America customer for XXXX years and then out of no where they closed my account without warning. If i have to i will go to the federal government and request that all bank institutions have to give prior notice of closing an account. As a consumer the bank these to provide notice before hand and not provide after they close an account .. Bank of America has caused me hardship without receiving my payroll checks and being able to pay my bills including my rent. I will send a letter to the president along with sending it to the US Congress if i have to, this solely unfair and not right, NO BANK should be able to close an account without notice and i will go to social media and i will exploit Bank Of America and there wrong doing. They have caused me hardship without receiving notification, and i will get full justice against this institution and all parties involved. All and any bank institutions should give prior warning and also give the reason, they shouldnt be given the opportunity to close mine or anyone elses bank account without a reason. I feel like they are discriminating because of my ethnicity and race. I WILL SEE IT THROUGH TO THE END TO GET JUSTICE! AND FURTHER MORE I WANT THIS COMPLAINT TO GO TO THE OFFICE OF THE CEO!!!

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 2026-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Mortgage servicer violated the Notice of acceleration of loan maturity. XX/XX/XXXX making the foreclosure invalid or wrongful foreclosure. This notice was addressed to the predeceased spouse who was legally removed from loan on XX/XX/XXXX. I haven't taking any action yet. I was told since I was not on the loan they didn't have to speak to me about anything about the loan. Which Federal consumer protection laws are completely invalid and in violation of my civil rights as a successor of interest, inheritor and or beneficiary to the mortgagor who deceased. Violation of direct breach of due process address error on important foreclosure documents were sent to XXXX instead of XXXX XXXX XXXX. I have brought that before foreclosure and after the sale. I was ignored, they refused to acknowledge the surviving common law spouse. We live in the state of XXXX where a common law marriage is identical to a traditional marriage, as long as I can be prove the marriage existed and I can prove it. Under Federal law I am the surviving spouse the laws in the state of XXXX specifically Section XXXX XXXX family code legal heir of the deceased mortgagor. The company kept denying any wrong doing. Just recently in XXXX the lawyer for the bank lied on paper about how the foreclosure happened. I never got any notice of foreclosure. I also have the original Owners title policy issued in XXXX and in XXXX a title company contacted me to sign some papers which I completely denied to sign. This how I learned I still have succession in interest at the property. Please contact me to move forward.

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 2026-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( XXXX ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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