vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am requesting assistance regarding an FHA mortgage loan modification with U.S. Bank Home Mortgage. My former spouse and I divorced in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. Pursuant to the divorce decree, he executed a quitclaim deed transferring all ownership rights in our marital residence located at XXXX XXXX XXXX XXXX XXXX to me. He has not resided in the property since 2013, and I have maintained sole occupancy and responsibility for the home for the past XXXX years. The divorce decree did not require me to refinance the mortgage. In fact, the decree specifically required refinancing only of the vehicle awarded to me. I subsequently completed a XXXX XXXX bankruptcy, which included the mortgage. I later fell behind on payments and am currently in foreclosure ; however, foreclosure proceedings have been paused while U.S. Bank reviews my application for an FHA loan modification. My previous loan modification request was denied solely because my former spouse refused to sign the modification documents. He no longer has any ownership interest in the property, and his refusal to cooperate is based on his belief that I " stole '' the house, despite having transferred his ownership rights pursuant to the divorce decree more than XXXX years ago. There was a protective order in place during the divorce proceedings, and my former spouse was incarcerated at that time as a result of domestic violence-related offenses involving our family. He has made it clear that he will not cooperate with the modification process. I have now reapplied for a loan modification and have approximately XXXX days remaining before the file is submitted to underwriting. I have also previously worked with U.S. Bank 's assumptions department and was advised that the mortgage can not be assumed until the account is brought current. If the modification is approved and the account becomes current, I intend to complete the assumption process so that my former spouse can be removed from the mortgage permanently. I respectfully request that U.S. Bank conduct an XXXX review of my file and determine whether any FHA loss mitigation alternatives, exceptions, or other options are available under these circumstances. I have acted in good faith to preserve my home, and I am concerned that the refusal of a former spouse who relinquished ownership rights over XXXX years ago is preventing me from accessing loss mitigation options intended to avoid foreclosure. I am not seeking to avoid my obligations under the loan. I am seeking an opportunity to bring the account current, preserve my home, and ultimately complete the assumption process so that my former spouse can be removed from the mortgage entirely.

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 2026-06-18 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: GA

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Unjustified Account Restriction and Retention of Funds by Bank of America To Whom It May Concern : My name is XXXX XXXX XXXX XXXX XXXX, and I am a Bank of America customer who has maintained a checking account with the institution since XXXX. I am writing to formally file a complaint regarding the ongoing restriction placed on my account and the continued retention of my funds without a clear explanation or resolution. Since XX/XX/XXXX, Bank of America has blocked my account and frozen my funds. As of today, more than a month has passed, and I still have not received a specific, clear, or satisfactory explanation regarding the reason for this action. Despite my repeated efforts to obtain information, the bank has failed to provide meaningful answers or a timeline for resolving this matter. The situation has become even more concerning because I am unable to access my online banking application. Due to the restriction imposed by the bank, I can not log in to my account, review my account information, or even obtain my account number. This lack of access has left me completely unable to manage my own finances or verify information related to my account. I wish to state clearly that all funds in my account were obtained lawfully and that I have never engaged in any illegal activity or unauthorized transactions. To date, Bank of America has not presented any evidence, documentation, or justification supporting the continued restriction of my account or the withholding of my funds. The banks conduct has caused significant financial hardship and emotional distress. The money being held belongs to me and is necessary for my daily living expenses and financial obligations. Keeping my funds inaccessible for such an extended period without proper communication or justification is unacceptable and unfair. Furthermore, I believe Bank of Americas handling of this matter has been highly inefficient and inconsistent with the level of service that any customer deserves. As a customer who trusted this institution with my personal finances since XXXX, I am deeply disappointed by the lack of transparency, professionalism, and accountability demonstrated throughout Thank you for your attention to this serious matter. I look forward to receiving a prompt response and the immediate return of my funds. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I bought furniture through XXXX XXXX financed with a Wells Fargo account. I was told at time of purchase ( in writing ) that the first bill would be mailed to me XXXX days after delivery on XX/XX/26. A late fee was charged XX/XX/26, well before the XXXX initial bill. I called and they removed the charge. However, this feels like a dishonest business practice to charge late feels prior to the stated first billing.

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 2026-06-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I was scammed by a company pretending to be XXXX XXXX and they transferred monthly from my checking plus account to my checking account making me believe that I personally wired money into my account from them and they wanted it back. They wired the money from my account to themselves. When Citibank asked me if I authorized the transaction ( I was sent a fraud alert ) I said I did NOT authorize the charge but the money went out anyway.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding IC System account number XXXX, which is currently being reported on my consumer credit reports. I dispute this account because it does not belong to me. The address associated with the alleged debt is not my address. I have never resided at that address, have never received mail there, and have never established residency there. Furthermore, I have never opened, maintained, or received the services associated with this account. The reporting of this account appears to be based upon inaccurate identifying information. The address being used in connection with this debt does not match my actual residence history and is not reflected as part of my credit file. Because I have never lived at the address associated with the account and never utilized the services in question, I do not believe IC System has a reasonable basis for attributing this debt to me. I request that IC System conduct a thorough investigation into the ownership of this account and review the information relied upon to associate it with me. Specifically, I request that IC System identify the name, address, and identifying information provided by the original creditor and explain how that information was matched to my credit file. If IC System can not demonstrate that I am the individual responsible for this account, I request that the account be deleted from all consumer reporting agencies to which it has been furnished and that all reporting of this debt as belonging to me cease immediately. I also request a detailed explanation of the investigation performed, the records reviewed, and the basis for any determination that this debt belongs to me. This account is inaccurate, does not belong to me, and is causing harm to my credit profile. I request prompt correction of 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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BMO closed my account and then charged a reward reversal after the account closure. I was not provided with a clear explanation of why this charge was applied, how the amount was calculated, which specific reward or transaction it related to, or which account terms authorized the charge. After BMO closed the account, I was no longer able to access online banking. Because of this, I could not review my account activity, download statements, verify the alleged balance, or check whether BMO had sent any notices or disclosures about the charge. I contacted BMO and requested an explanation of why there was a charge, including documentation showing the basis for the reward reversal and any related account statements or transaction history. BMO did not provide the requested information. BMO is now contacting me by email and phone to collect the alleged balance. The amount appears to include additional interest and late fees, even though I was not given clear notice of the charge, was unable to access my account records, and was not given a meaningful opportunity to review or dispute the amount before collection activity began. I dispute this alleged balance. I believe BMOs actions are unfair and misleading because BMO closed the account, blocked online access to the information needed to verify the charge, failed to provide a clear explanation or supporting documentation, and then attempted to collect the disputed amount with added interest and late fees.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
i have received XXXX cashier checks to my account for different amounts. it was money i was reciving from a loan i gave my friend a few years ago. i tried to them move the money from this account to another account and the bank did not allow me and the bank decided to close my account without my authorization.its in process of being closed. they told me to have my friends call the bank so they cann recall the amounts but no one at the bank is answering so the money just stuck and with the account being in porcess of closing. they are not giving me any resolution and nobody can get that money. they even accussed me of doing something wrong money but we provided proof that it is not.

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 2026-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank is taking my current payments on promotional charges and applying them to current charges that are not due until the next months due date and that's making my promotional balance payment late witch will end up making me liable for the accrued interest at the end of the promotional time. I spoke with a customer service XXXX and was told that's the way it is and if I didn't like it to not use the Home Depot credit card provided by Citibank.

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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I had deposited a check on XXXX for XXXX and on XXXX for XXXX. The check on the XXXX, the bank held out XXXX on hold but released the whole XXXX check. the day before anything was done I had called USAA and hold them what was happening and i was told that everything was alright and I could remove what ever funds I needed to. Then on the evening of Thursday ( XXXX ) we had a security hold placed on the account. When we seen this we called USAA and went through the steps to unlock our account and it worked we was told that there was no longer an issue and i can have the funds. Then on the morning of Friday the XXXX a security lock was applied again, and again we cleared it and was told that everything was fine. After all this on Saturday the XXXX, the bank placed a hold on the XXXX dollar check and removed it from my account and placed my account in the negative of XXXX. When called about this issue on Saturday i was told that it was the fault of the issuing bank and was told nothing else and the call was finished. Then on Monday the XXXX the issuing bank was called and the bank informed the account holder that it was paid as soon as it came in. Then we was told that they have no evidence of saying that it " XXXX not have the possibility of being paid. '' when this knowledge was found out we informed USAA that the issuing bank did not do anything to the check and it was paid out no issue. But USAA could not access our account due to maintenance being performed. After monday we called back on tuesday ( XXXX ), and navigated to a young man that did try to be as helpful as possible. He took all of the information for the fraud department and even added the number to the person over the account so that the fraud dept could call them and verify the checks. He then sent everything up and said that he would work on the account and if he had any question that he would call us back. Today we called back and tried to escalate the call so we could speak with someone that may be able to help. this very nice lady told us that it would not matter about any information they was told, that they are going to hold it until XXXX which keeps us from being able to afford basic necessities that we need. since then the account has dropped to only XXXX negative because we have had deposits that have came in.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Waypoint Resource Group , LLC sends me constant text messages, I consistently Opt-out and then they continue to send me more. They call me and I ask them to stop, then they call me back. I see the name of this company like everyday some how, I get a letter in the mail multiple per week.

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 2026-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal request to cancel borrower-paid PMI on my conventional mortgage after determining that my loan-to-value ratio is approximately 73 % based on a recent valuation of {$390000.00} and a principal balance of {$280000.00}. Wells Fargos own PMI documentation states that acceptable valuation methods include either a Broker Price Opinion ( BPO ) or a full appraisal. Based on this, I selected the BPO option, completed all required forms, included a Significant Improvements List, and submitted payment. On XX/XX/year>, Wells Fargo returned my request and stated only that the BPO option is not available, without providing any explanation specific to my loan or investor guidelines. They rejected my payment and instead require a {$450.00} appraisal to proceed. Wells Fargo did not dispute my eligibility for PMI removal, my loan-to-value ratio, or my documented improvements. They also did not provide any justification for denying the BPO option, which is listed as acceptable in their own documentation. This creates an inconsistent and potentially unfair situation where I am being required to pay a significantly higher fee despite selecting a permitted valuation method. I am requesting that Wells Fargo : 1. Provide a clear, written explanation of why the BPO option is not available for my specific loan 2. Honor the BPO option as described in their documentation, OR 3. Waive or reduce the appraisal fee and proceed with PMI cancellation review I believe this situation reflects inconsistent mortgage servicing practices and an unnecessary financial burden.

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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: AR

Complaint narrative:
Moved to Arkansas in XXXX XXXX In XX/XX/XXXX after selling home in Texas I contacted bank by phone to ask them to close my account with Amegy bank and forward the balance of my money to my new bank in Arkansas. I am XXXX.... cant travel back to Texas XXXX I live with my XXXX XXXX XXXX sister. I thought it was done. Then received a letter about a overdraft a couple of months ago. Very concerning since I had closed my account with the bank. XXXX of my other sisters I was visiting called to pay a fee of over {$400.00} to bank.... thought it was settled. I was out the money. Then my sister saw statement from bank for the large payment to " XXXX '' on my statement... didnt realize what it was so disputed it..... we didn't make the connection with Amegy bank XXXX Anyway got a letter saying they sent it to collection. My. Other sister in arkansas called explained and paid the amount. But could never get them to agree to CLOSE my acct... tried again a few days later and was told had to wait for everything to clear. XXXXXXXX XXXX XXXX trust them to close acct. Plus have last bank statement from XX/XX/XXXX showing final funds transferred to my new bank on XX/XX/XXXX.... so it was around that time I called to close acct. Very upsetting to know I ended up paying {$440.00} of predatory fees on an acct that I have thought for over 2 years was closed.. So decided we needed HELP I can send copy of bank statement showing XXXX balance from XX/XX/XXXX ... ill just need to get it copied first. But can! I am sending them a copy of letter I downloaded today for them to sign for.p

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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction.

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