vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION
State: MS

Complaint narrative:
They have called me back to back multiple times by different numbers from New Jersey. I have already contacted my actually bank and they have no idea who this is. They said it was a scam. They also said that they would never contact back to back from different numbers. The scammer is impersonating my bank with the bank logo, address and their information. Sending fake emails. Here is the text : M & T Bank Mortgage To : XXXX XXXX This is an official text notification from M & T Bank Mortgage. We are pleased to inform you that you have been approved for a loan modification. Under this modification, your updated loan terms are as follows : Interest Rate : 2.86 % Monthly Installment Amount : {$890.00} Your account is currently under the loan modification program, and a payment is scheduled for today. We have attempted to contact you multiple times but have not received a response. Please contact us as soon as possible regarding your scheduled payment. If you have any questions or need further assistance, kindly call your loan officer at : Sincerely, 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 explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am having serious problems with USAA Federal Savings Banks checking and savings account practices. Their system repeatedly changes my available balance, drains my savings through automatic USAA Funds Transfer and overdraft moves, and then pushes my checking account negative even when I had enough money at the time of purchase. On XX/XX/year>, my savings was emptied by automatic transfers I did not clearly consent to. On XX/XX/year>, my checking balance suddenly showed about {$230.00} available with no deposit, then later showed {$170.00}, and finally {$0.00} available even after my {$93.00} payroll deposit and a {$120.00} XXXX transfer from my mother were applied to the account. I believe USAAs confusing posting, reordering of transactions, and treatment of pending debits and deposits are causing unanticipated negative balances and overdrafts.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt from Citibank I did have an account with Citibank, but according to this collection agency, they are trying to collect a balance of XXXX. Which is not mine I would like this collection agency to stop contacting me and to remove the collection off my credit report.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am filing this complaint because Kia Finance has not provided me with a usable lien release for a vehicle that I paid off approximately XXXX years ago, and their handling of the issue is preventing me from selling the vehicle for basic survival and relocation needs. I recently attempted to sell my vehicle through XXXX. During that process, I was told that the lien had never been released, even though the vehicle was paid off approximately XXXX years ago. Because the lien still appears on the title or vehicle records, I can not complete the sale without a lien release or lien satisfaction letter from XXXX. I contacted Kia Finance and requested the lien release. I was initially told that it could take approximately XXXX XXXX XXXX days to receive it. This delay is causing serious hardship because I am recently unhoused and I need to liquidate the vehicle to pay for basic needs and relocate. I explained that I do not have a home address where XXXX can mail the document. I was told that I could receive the lien release by fax, so I purchased a dedicated fax number specifically to receive the document and expedite the process. I then escalated the matter to corporate and requested faster case settlement due to my emergency situation. Approximately XXXX days later, I received a call from a XXXX. Instead of sending the lien release by fax as previously represented, the XXXX told me that XXXX could only mail the lien release to me. I again explained that I do not currently have a home or mailing address and that I am a recently unhoused veteran trying to sell my paid-off vehicle for basic needs. XXXX still refused to provide the lien release to me by fax or another workable method. XXXX refusal to provide a usable lien release is leaving me unable to sell my own paid-off vehicle. I paid off this vehicle approximately XXXX years ago and I should not still be blocked from selling it because XXXX failed to timely release the XXXX or will only send the release to an address I do not have. I am requesting that XXXX immediately provide a lien release or lien satisfaction letter by fax, email, electronic release to the DMV, or another accessible method that does not require a residential mailing address.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have XXXX loans with XXXX company. All XXXX loans were set up with an XXXX account. They failed to pay my property tax bill to all XXXX back in XX/XX/year>. I have called 4 times, written letters and faxed in all information. They say its been paid when it has 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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK
State: OK

Complaint narrative:
When I logged into my MidFirst account, I discovered my savings account was empty. A sum of {$350.00} was withdrawn on XX/XX/XXXX, which I don't understand, especially since my account was locked. I had previously filed a complaint about this and requested a refund for the stolen money, but instead, I just received a new card and had my old one locked.

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: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am submitting this statement to formally report that I ama victim of identity theft. My personal credential- including my name, Social Security number, and other identity information were used without my knowledge or consent to fraudulently open financial accounts in my name. The perpetrator ( XXXX ) also deposited counterfeit checks into these account, furthering compounding the fraudulent activity and creating a pattern of financial crime carried out under my identity.

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: RICHLAND HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding account number XXXX in the amount of approximately {$6100.00}. This account is listed in my FTC Identity Theft Report, report number XXXX. I did not open, authorize, benefit from, or agree to pay this account. This collection account is appearing as a negative item and is causing damage to my credit profile. I have no knowledge of this alleged account, and I dispute it completely. Since this matter involves identity theft, XXXX XXXX must conduct a reasonable investigation and must not continue reporting, collecting, validating, selling, or transferring this account without reliable original documentation proving that I personally authorized it. I am requesting that XXXX XXXX provide the original signed agreement, full account records, itemized billing history, chain of assignment, proof of ownership, validation records, and all documents used to verify my identity before the account was placed for collection. If XXXX XXXX can not provide this evidence, then the account must be deleted and closed immediately. This account should not remain on my credit report based on automated verification, third-party data, or unsupported collection records. I am requesting CFPB intervention because this identity theft account is harming my financial standing and must 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a new truck through financing arranged by the dealership. During the finance process, the XXXX & I XXXX verbally told me that XXXX insurance was included free of charge as part of the financing, with no additional cost to me. Based on this representation, I signed a XXXX addendum. I later reviewed my contract and discovered I was actually charged {$1200.00} for this product, which was financed into my loan. On XX/XX/year>, I called my lender by phone to request cancellation of the XXXX product within my XXXX window. I was told this was being handled. Several weeks later, when I called to check status, I was told there was no record of my cancellation request. I was then told the XXXX XXXX requires written notice of cancellation to the XXXX XXXX, a requirement that was never explained to me at the time of purchase or during my initial cancellation attempt. I have since submitted written cancellation notice directly to the XXXX XXXX. As of today, more than XXXX weeks have passed since my original verbal cancellation attempt, and I have not received the {$1200.00} refund I am owed. I was also told a manager would follow up with me by phone or email, but this did not happen as promised. I am requesting a full refund of {$1200.00}, based on my good-faith attempt to cancel within the XXXX window, and given that I was not properly informed of the specific written notice requirement at the time of sale.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I first called XXXX XXXX XXXX Solutions since they are listed as the original creditor on my credit report. They have no record of the account. They could not find my name or any info in their system. I contacted Lockhart, Morris, & Montgomery to provide information on the collection account of {$980.00}, with no results. I've called numerous times, but they were not willing to help. On XX/XX/year>, I disputed this collection account on all three credit report agencies. The only thing the dispute did was change the account type from joint to individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The collection agency XXXX XXXX XXXX is trying to collect on a debt that was never mine which originated from BMO Bank. I am a victim of identity fraud and never applied for credit with BMO bank.

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: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 is not yours
Company: CITIBANK, N.A.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Date : XX/XX/year> XXXX XXXX : Flagstar Bank , N.A . Product : Checking account / Savings account Issue Description : I am filing this complaint to formally alert the CFPB to a deceptive fee disclosure practice utilized by Flagstar Bank. The bank recently initiated a monthly account maintenance fee on both of my checking accounts without sending a standalone, prominent notice via email or mail. When I contested this fee, a supervisor informed me that the bank is legally covered because they buried the " Change-in-Terms '' notice deep within a routine monthly e-statement PDF. I am enrolled in e-statements but do not download and read every standard monthly statement PDF if my balance looks correct. Flagstar Bank is weaponizing this consumer behavior to quietly extract fees, relying on the fact that customers will miss the buried text. While Flagstar Bank has since refunded my specific fees after a lengthy escalation, I am submitting this report because hiding critical fee increases inside standard monthly PDFswithout an explicit, standalone email alert stating " Fee Structure Changing '' constitutes an unfair and predatory communication practice. I have attached the chat and call transcripts where the bank explicitly admits to this practice. I request that the CFPB review Flagstar Bank 's electronic notification policies to ensure transparent consumer protection.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, 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 : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my Citi XXXX XXXX XXXX in XXXX. At that time I made two payments. One for approximately {$560.00} and another one for {$610.00}. This was paid to close the account and full and pay the remaining balance. It appeared that I had paid off the card twice, once on the phone and once online. Citi provided me a {$610.00} refund check. I cashed that check beginning of XXXX. I received an autopay email for {$300.00} due XXXX for the card. They are trying to charge me the {$610.00} that they previously refunded without an explanation or my approval to use autopay. They would not address or explain the issue when prompted. Please address ASAP. Next payment due date is XXXX ; autopay turned 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 monetary relief
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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They reported an unfair matter to my credit report.

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