vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Shellpoint took over servicing of my mortgage loan for the rental property at XXXX XXXX XXXX after it closed with XXXX XXXX XXXX on XX/XX/year>. The loan was established with property taxes and hazard insurance escrowed. The executed closing documents clearly show this : the Final XXXX Settlement Statement collected {$890.00} for XXXX months of insurance at {$89.00} per month ; Section XXXX of the Security Instrument identifies required insurance premiums as escrow items and says any waiver must be in writing ; Section XXXX of the Loan Agreement requires a Tax and Insurance Escrow Account ; and the First Payment Notice includes {$89.00} per month for insurance. Despite these records, Shellpoint says it can not find evidence that insurance is escrowed. Shellpoint has not produced a written escrow waiver or a complete accounting of the transferred escrow funds. I believe its failure to recognize or properly administer the escrow caused or contributed to disruption of my private policy, after which Shellpoint force-placed more expensive lender insurance and charged my account. I dispute all lender-placed premiums, fees, interest, escrow increases, and payment increases caused by this servicing error. I am not asking to avoid the insurance requirement. I request that Shellpoint correct its records ; provide the complete escrow ledger and transfer history ; produce any alleged waiver ; work with my insurer to reinstate my private policy retroactively if available ; cancel lender-placed coverage for every improper or overlapping period ; refund all related premiums, fees, commissions, interest, and payment increases ; correct my escrow balance and monthly payment ; and reimburse documented direct costs, including any increased cost of comparable private coverage caused by the lapse or nonrenewal. I also request no late fees, default treatment, collection activity, or negative reporting related to the disputed charges.

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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
This collection was just placed on my credit report I have no idea who they are they say its a XXXX the company is waypoint I do not have XXXX service I have XXXX I did not authorize this account or did I set up this account I will submit a copy of my XXXX bill

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : __________ Credit Collection Services ( CCS ) Subject : Identity Theft/Fraudulent Collection Account Dispute To Whom It May Concern, I am writing to formally dispute a collection account appearing on my XXXX credit report that I believe resulted from identity theft or mistaken identity. Collection Agency : Credit Collection Services ( CCS ) Account Number : XXXX Reported Balance : {$820.00} I did not open, authorize, or assume responsibility for the account that gave rise to this collection. I dispute this account in its entirety. Pursuant to the Fair Credit Reporting Act, I request that XXXX conduct a reasonable investigation and require the furnisher to provide documentation demonstrating that I authorized or am legally responsible for this account. Please provide or verify : * A signed application, contract, or agreement bearing my signature. * Documentation establishing that I am legally responsible for the debt. * The name of the original creditor. * Any records used to verify this account. If this information can not be verified, I request that this collection account be deleted from my XXXX credit report immediately under FCRA 602A and 611. I have enclosed copies of my government-issued identification, proof of address, and a copy of my credit report identifying the disputed account. Please notify me in writing of the results of your investigation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 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: FL

Complaint narrative:
I am a victim of identity theft and did not open or authorize the accounts listed in my complaint. These accounts were created fraudulently using my personal information without my knowledge or consent. I have filed this report to formally document the identity theft and request that all fraudulent accounts and related activity be investigated and removed. I declare under penalty of perjury that the information I have provided is true and accurate to the best of my knowledge

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 2026-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: WA

Complaint narrative:
In late XXXX, we accepted an offer on our house in which non-VA buyers were assuming the loan. To start with, US Bank sent an assumption package containing personal identifying information ( SSN, DOB, XXXX ) that belonged to someone applying for a different assumable loan in another state ( this person was not associated with our transaction ). After our buyers filled out and sent off the assumption package to US Bank, we did not receive any update. I was told to email US Bank 's Assumptions Department directly with documents including the third-party authorization needed for the buyers to talk to US Bank XXXX However, US Bank later confirmed they " never received '' any of these emails despite me following their exact directions to email a .pdf attachment and include my mortgage account number in the subject of the email. They reportedly had " no record '' of the documents which I later had to fax over before calling again to confirm their reception. Frustrated with the lack of communication through the email I was told to use, I called multiple times throughout XXXX and XXXX and was given the same answer every time ( " We don't provide updates on assumptions '' ). I continued to call, and after being told that US Bank said they had all other documents, they suddenly said they were missing more documents from the buyers ( this was in late XXXX, about a month after we accepted the offer ). After XXXX days elapsed ( the maximum amount of time the VA allows for a lender to make a decision on the assumption as per their circular ), I reached out to the VA. Initially I was told they might be able to do something, but that answer was changed and they instead provided me with a contact email for someone at US Bank. After reaching out to this person in XXXX ( who happened to be someone at a high level at the company ), they responded offering an apology and within that week we received our first update saying the package had completed underwriting with approval and was ready to close. Since then ( late XXXX ), we have missed at least XXXX more closing dates. We had our closing date last scheduled for XX/XX/XXXX, but just before this date US Bank reached out and said they messed something else up and we would not be able to close. It has now been XXXX more weeks since that with XXXX communication from US Bank. This incompetence from US Bank and their refusal to provide updates has caused myself and the buyers quite a bit of financial strain.

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 2026-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Incorrect balance / dispute of repayment agreement I am filing a complaint against XXXX XXXX, Citi Credit Card regarding a disputed credit card repayment agreement. I spoke with a bank representative by phone and was offered a repayment plan of 16 months at {$250.00} per month, which I accepted. This agreement was confirmed during the call. I relied on these terms and successfully completed all XXXX payments. No contract was ever sent me or any confirmation of what the the agreement was, just that phone call. After completing the plan ( XXXX ), the bank informed me that my agreement was actually for 60 months, and that I still owe a remaining balance. This directly contradicts what was explained to me when I entered the agreement. I have requested a copy of the call recording or transcript where the terms were confirmed, but the bank has refused to provide it. I believe I have fulfilled my obligation under the agreement as presented to me. The bank is now attempting to retroactively change the terms after I have completed all required payments. This situation has caused financial harm and significant distress, and I am requesting a formal investigation into the banks handling of this matter. I have contacted them about this matter and nothing. Attached : statement and checks proving that I payed the 16 months program agreed over the phone.

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
During a collection call, the representative identified himself as XXXX. After I explained that I was disputing the alleged debt and requested proper documentation, he laughed at me and made comments such as asking whether my disputes were working because he did not think they were. He also made remarks implying that I do not pay my bills and do not make any money while attempting to pressure me into making a payment. I found this conduct unprofessional and intimidating. I request that the company preserve and review the recording of this call and address whether this conduct complies with its collection practices.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB COMPLAINT - COPY FOR YOUR RECORDS - File online at XXXX Company : Wells Fargo Bank , N.A . Product : Checking or savings account - Managing an account - Opening an unauthorized account What happened : On XX/XX/year>, I was victimized by a sophisticated elder fraud ring posing as XXXX XXXX and FBI Agents. As part of this scheme, {$74000.00} was wired from my XXXX XXXX account to a fraudulent account at Wells Fargo that was opened in my name without my knowledge, consent, or presence. I have never been a customer or accountholder at Wells Fargo. The perpetrators used my stolen identity to open account XXXX XXXX to launder my stolen funds. XXXX XXXX ID from XXXX XXXX is XXXX. On XX/XX/year>, I sent a formal Statutory Notice of Identity Theft and XXXX for XXXX under XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX ( XXXX ), to Wells Fargo XXXX of the President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX Complaints Management O^ice, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX I demanded : XXXX ) Immediate freeze of recipient account, XXXX ) Preservation of surveillance and digital evidence, XXXX ) Release of all application forms, signature cards, ID scans, IP addresses, and withdrawal records, XXXX ) Response to XXXX XXXX XXXX Return of Funds requests. Wells Fargo has failed to provide the XXXX ( XXXX ) records within XXXX days and has failed to coordinate with XXXX XXXX. I filed a complaint with the XXXX, Case XXXX XXXX, which was closed on XX/XX/year>, stating I am not an accountholder - which is precisely XXXX XXXX of the identity theft. I have filed FBI XXXX Report [ INSERT ], FBI XXXX XXXX XXXX Report [ XXXX, FTC Identity Theft Report XXXX INSERT ], Police Report [ XXXX ]. Desired Resolution : XXXX ) Immediate compliance with 15 U.S.C. 1681g ( e ) and production of all account opening and transaction records, XXXX ) Confirmation that fraudulent account and related funds have been frozen and preserved, XXXX ) Full cooperation with XXXX XXXX to return {$74000.00}, XXXX ) Closure of fraudulent account and confirmation it will not be reported to XXXX or credit bureaus under my name. Attachments to upload online : Wells Fargo Demand Letter, XXXX XXXX XXXX, FTC Report, FBI XXXX report, XXXX XXXX wire confirmation.

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 2026-07-21 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: TN

Complaint narrative:
I paid my vehicle in full on XX/XX/year>. Its XX/XX/year> and I have yet to receive the Lien Release and Title. I have spoke with Customer Service multiple times and they have repeatedly given me the same answer, 3-5 business days. I called again last week and a representative informed me they havent received any documentation. I called again this week and a representative informed me they had actually received the documentation necessary but now theres a discrepancy due my name. I gave them my name .., then the representative confirms its the correct name! They have no explanation as to why they havent provided the Lien Release and Title. They assigned a tracking number, provided an email address ( XXXX ), and told me again to wait 5-7 business days. I did not accept this and demanded the issue be escalated. Each representative has given me contradictory information, ( name incorrect, address incorrect, havent received necessary documentation, etc ) but then the next representative confirms all information is correct! I was then given a complaint number and told to wait to hear back from corporate. I informed them Ive filed with the XXXX and seeking legal counsel.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I initiated a {$1000.00} ach transfer with Citibank on Friday morning XX/XX/year> at approximately XXXX to my Citi account from my bank account with XXXX XXXX XXXX XXXX Citi received and posted the funds that Friday afternoon, but balance is not reflected in my available balance. I called customer service to see why hold was placed in my account, and to consider that I have had the account for almost 50 years. Customer service rep did nothing but said that she was sorry.

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 2026-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by XXXX that is negatively affecting my ability to obtain housing. The account being reported by XXXX is the result of identity theft. I disputed this account in XXXX, and the account was removed from my XXXX credit file on or about XX/XX/XXXX. I also have an identity theft report from XXXX and an FTC Identity Theft Report documenting my claim. Despite the account being removed from my XXXX credit file, the same information is continuing to appear through a tenant screening report in XXXX. This inaccurate reporting has negatively impacted my rental application process and caused harm because the information is being used in housing decisions. XXXX has a responsibility to ensure that information it furnishes to consumer reporting agencies or other reporting companies is complete and accurate. Continuing to report information that was previously disputed and removed due to identity theft raises concerns under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX including the duty to provide accurate information and to conduct a reasonable investigation of disputed information under 15 U.S.C. 1681s-2. I am requesting an investigation into why this account continues to be reported or furnished after it was removed from my XXXX credit file and why inaccurate information remains associated with 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 2026-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been contacting wells Fargo for years with removing the PMI on my loan and they have always hung up on me and have never answered my questions. They have refused to remove PMI when I have had well over 20 % equity in the house and owe me about XXXX dollars.

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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

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