vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 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: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
My dispute # XXXX was closed on Thursday XX/XX/XXXX while the item was mid-transit. I am calling to formally appeal and reopen the case based on new, definitive carrier evidence. As of this afternoon, XX/XX/XXXX, the official USPS tracking has updated to 'ALERT : REFUSED. ' The package is physically returning to the sender and I never took possession of the property. I need this file reopened for processing immediately. As this was completely XXXX originally by almost everyone at your institution, please process this courtesy refund IMMEDIATELY for {$260.00}. Forcing me to wait for these monies from a vendor located in the USA who routed payment through a XXXX processor in XXXX is utterly ridiculous. TRACKING NUMBER:XXXX PLEASE NOTE THE XXXX XXXX STATUS on the attached screenshot.

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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
Logged to the company website the day the payment was due. Because payment was not submitted by a crazy cut off time. I was charged a fee however if the payment was mailed or phone it has different processing times which is unfair and deceptive to consumers. I dont want to do business with such a disgusting company that harms their customers.

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: 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account has been closed or sold and I have not received tite. Once I get title XXXX will sale and payoff loan with original debtor.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am a XXXX veteran residing in the state of Washington. I am filing this formal complaint against Wells Fargo Home Mortgage and XXXX XXXX XXXX for a severe breach of federal servicing laws, failure to honor a loan modification agreement, and a broken servicing transfer that has manufactured an artificial 90-day delinquency on my primary residence. 1. Failure to Credit Promised Balance Reduction ( Wells Fargo ) As detailed in the attached document dated XX/XX/year>, I was approved for and successfully entered a formal FHA Home Affordable Modification Program ( HAMP ) Trial Period Plan ( Loan Number : XXXX ) for my property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the terms of this program, I made all required monthly payments of {$1300.00} via automated autopay. I maintained perfect payment history under this setup for a number of years. Per the conditions discussed and established with Wells Fargo, completing this program faithfully was supposed to result in a XXXX XXXXXXXX ( {$10000.00} ) credit/reduction to my principal loan balance. Wells Fargo failed to apply this credit to my account, retaining funds that were legally and contractually owed to me. 2. Illegal Transfer and Lack of Notice ( Wells Fargo & XXXX XXXX ) On or around XX/XX/XXXX, Wells Fargo abruptly sold and transferred my mortgage servicing rights to XXXX XXXX XXXX. Neither Wells Fargo nor XXXX XXXX provided me with the legally mandated written Notice of Servicing Transfer. I only discovered this transfer by proactively calling a veteran housing helpline. 3. Blocking the Ability to Pay and Violation of RESPA Protection ( XXXX XXXX ) Following the unnotified transfer, XXXX XXXX has completely blocked my ability to access my account or make payments. When attempting to reach them, I was kept on an automated phone hold for over 50 minutes, only for the automated system to direct me to a website and abruptly hang up the call.Because of this systemic breakdown, my account is now being treated as 90 days delinquent, placing my home at risk of foreclosure through no fault of my own. I was actively trying to pay. XXXX XXXX is currently violating the Real Estate Settlement Procedures Act ( RESPA ) 60-day safe harbor provision. Because my loan was transferred on XX/XX/XXXX, I am protected from late fees, penalties, and negative credit reporting through early 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 2026-07-06 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: NJ

Complaint narrative:
I am filing this complaint regarding Citibanks handling of my billing dispute, Dispute No. XXXX, which Citibank closed XXXX XX/XX/year>. I strongly dispute Citibanks determination and believe the outcome of its investigation is incorrect. I submitted extensive evidence supporting my claim that this transaction resulted from what I believe was a deceptive and misrepresented transaction and should not have been held valid. Despite the volume and strength of the evidence provided, Citibank concluded that I was responsible for the charge without adequately addressing the issues I raised or the documentation I submitted. After receiving the determination, I contacted Citibank multiple times by telephone and specifically requested that the dispute be reopened so that the additional evidence could be properly reviewed. During multiple calls, Citibank representatives assured me that the dispute would be reopened and that the matter would receive further review. Despite these repeated confirmations, the dispute was never reopened. I was never contacted by an investigator, never informed that my request for reconsideration had been denied, and never provided any explanation as to why Citibank failed to honor the repeated assurances made by its representatives. I relied on those representations, yet Citibank took no meaningful action. The transaction at issue is for {$670.00} involving a XXXX hotel reservation. Based on the facts and evidence I submitted, I believe I was the victim of a scam or other deceptive business practices. The evidence I provided was extensive and, in my view, clearly supports my claim. Citibanks investigation failed to properly consider that evidence, and its conclusion is incorrect.

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 — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has had my funds on hold from XXXX XXXX- they were to release funds according to AI on XXXX XXXX but instead has not because there holding funds in there account to draw interest off my funds and probably others, i am in the process of a civil lawsuit against them for stress and not able to pay my bills on time.

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 2026-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank I applied for a home improvement loan for {$40000.00} on a house valued at around {$420000.00}. They changed it to a {$33000.00} personal loan but still calling it a home improvement loan. I have been in limbo for weeks. My wife and I are ill and I can not get help with this. The loan underwriters ( Ive has several in this fiasco ) have asked for the same documentation 2 and 3 times in some cases usually on a Friday when no one is at the bank. My credit rating has dropped over 40 points so I can not get a loan elsewhere. They made sure I couldnt get anything else. They essentially have forced me to take a loan I did not want. I was going to pay off everything, a total of about {$7000.00} and use the rest to move then pay the loan of in a few months. They heard this and then they did this to us. I have no choice but to take the money because most everything is late or due. We were trying to fix the house to sell. Now we can 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 2026-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I received a judgement. Its dated XXXX but I called the XXXX XXXX XXXX house and they never filed a judgement against me. So they sent me court documents stating its a civil action notice of execution against my wages without properly filing for them! And the judgement from XXXX they apparently filed I never received and I lived at the same address from XXXX. So they never sent me or served me anything. Its been 12 years since this debt came into play and its been 5 years since it fell off my credit. This is ridiculous waiting 12 years to get money. XXXX a mom of XXXX I pay {$2900.00} in rent! I make about {$3200.00} a month. I struggle to make ends meet! This is horrible! XXXX XXXX just to get 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 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH Mortgage has set our property to auction and locked out payment up to four days to auction. This is something consumers need to know. They will not negotiate because this is an electronic system. This is a ruthless company that will only follow the law and doesn't care about it's consumers.

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 — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check into my U.S. Bank checking account. The check completed processing and the funds became available in my account. Shortly afterward, U.S. Bank disabled my account. I immediately contacted U.S. Bank and completed every identity verification request they made. Despite successfully verifying my identity, I was informed that my account would still be closed. I was told the account was scheduled to close on XX/XX/year>. Since then, I have contacted U.S. Bank multiple times seeking an explanation and the release of my funds. Different representatives have provided different reasons for the account closure, including identity verification issues and alleged violations of the account terms and conditions. No representative has been able to provide a clear, consistent, or written explanation for the closure, identify the specific account agreement provision that applies, or explain why the reasons have changed. As of XX/XX/year>, my funds are still being held. U.S. Bank has not provided me with any timeline for when my money will be released or whether it will be sent by check. I have fully cooperated with every request from the bank, yet I have been left without access to my funds and without any meaningful explanation. I am requesting that U.S. Bank immediately release my funds or issue a cashiers check for my remaining balance, provide a written explanation identifying the specific reason for closing my account and the applicable account agreement provision, and explain why I received conflicting information from multiple representatives. I also request that the CFPB investigate whether U.S. Banks handling of my account and continued retention of my funds complies with applicable consumer protection laws and banking regulations.

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: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to express my disappointment with the level of customer service I have received from Citi Bank regarding a refund check for my closed account. Over the past month, I have contacted Citi Bank on two separate occasions to request that my refund check be reissued. On both calls, I waited on hold for approximately XXXX minutes before finally reaching a representative. Unfortunately, after investing that amount of time, I was disconnected before my request could be completed. It has now been over 30 days since I first requested the refund check, and I still have not received my funds or a resolution. As a customer, I find it unacceptable to repeatedly experience excessive hold times, dropped calls, and significant delays in resolving what should be a straightforward request. I am also very concerned about the amount of personal information I am required to repeatedly provide during these calls. XXXX asked to verify sensitive personal information multiple times with different representatives does not make me feel that my information is secure. While I understand the need for identity verification, the repeated requests throughout the process raise concerns about both efficiency and the protection of my personal information. I respectfully request that Citi Bank promptly issue my refund check and review both the customer service failures and the account verification process that contributed to this frustrating experience. I also ask that someone contact me to confirm when my refund has been processed. Thank you for your prompt attention to this matter. I look forward to your timely response and a swift resolution.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has failed to resolve a technical issue that is preventing me from accessing essential financial services. For over a week, XXXX has been unable to connect to my Citi checking account because Citi is not issuing a valid token. Citi repeatedly told me the issue was on their side, but they have not fixed it. I receive Citis confirmation emails showing that third-party access was granted, but XXXX still can not connect due to Citis backend token failure. Citi then directed me to contact the apps, but the apps confirmed they can not fix Citis token issue. This has left me unable to use multiple financial tools I rely on. I am requesting immediate investigation and correction of Citis token generation system, as this is preventing me from accessing services tied to my own 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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX checks from the same maker were deposited into my checking account.one was {$21000.00} and the other was XXXX on XXXX of XXXX. larger check becomes available next day and no issues. i got a notice on the smaller check as i was depositing it that it would go on a XXXX business day hold and it will be available on XXXX. then on XXXX i went back and notice that there is a alert that funds will not clear until XX/XX/year> and reason is refer to maker. contacted the maker and they have confirmed both checks have cleared their bank accounts same day with no issues. contacted wells fargo and they claim that they have received notifications from the other bank that they would not be getting paid on the smaller item when i know for sure its not true. i asked how come they have not returned the check since they received notice that it would not be paid and they said they will attempt to collect again, when the call was escalated then they said wells fargo is reviewing the deposit and still confirmed that they got the notice and they will not return the item. i know its a lie about fund not clearing and wells fargo is holding funds because they feel its necessary.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, our Wells Fargo Bank certificate of deposit ( CD ) matured. When I reviewed the account, I was surprised by the amount of interest that had been credited, which appeared to be incorrect. On XX/XX/year>, I contacted Wells Fargo Customer Service and spoke with XXXX to ask for an explanation. The reference number for this call is XXXX. During the call, XXXX advised me that I should receive a response within XXXX XXXX. When I eventually received the response, I was informed that I had failed to contact Wells Fargo within the required XXXX grace period following the CD 's maturity. This is incorrect. I contacted Wells Fargo on XXXX * * XXXX, XXXX * *, the day the XXXX matured and well within the XXXX grace period. I also visited the XXXX branch and met with XXXX XXXX to discuss the matter in person. My family and I have been Wells Fargo customers for more than XXXX years, and we have opened and renewed CDs with the bank several times before this incident. Given our long-standing relationship and my timely efforts to address this matter, I respectfully request that Wells Fargo review my case, correct its records, and honor the appropriate interest rate or terms applicable to my CD. I also request a clear explanation of why my timely contact and branch visit were not reflected in your records and a prompt resolution 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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a large personal check for {$26000.00} on friday XX/XX/XXXX. The initial response I got from the bank was that it would be made available on monday XX/XX/XXXX. Then on the XXXX I received a notice that it was being placed on hold. Something I have had to deal with before since I deposit large checks in my business. However last time it was explained to me that this would not happen again as long as they see that this is " normal '' banking for me. My client ( the first time which was an even larger check ) sent me a screen shot showing that the funds were removed from their bank account the next day after I deposited it, yet they were not deposited into my account for 10 days! Again, I contacted my client to make sure that the funds were removed from their account, which they were that weekend. Then I called BOA and asked to speak to the people who handle this and, after many different people, was told they put in a request to accelerate my deposit hold. I asked if how I would know if it was approved and they said that I just had to check my account to find out. Well, the next day, the funds were in my account. Then, apparently they were removed once again on XX/XX/XXXX and will not be available until the XXXX. What is actually going on? My issue is that this is a large amount of money, I need it to pay rent, insurance, bills and to hold it for that long is not ok. The funds were literally removed from my client 's account so " we need to make sure that the funds are available '' story is complete BS as if they didnt have the money then they wouldn't of been able to pull it out of their account!!! BOA is surely making money on my money and this needs to stop. The excuse of " we need to make sure that it is not fraud '' is not ok. It is clearly not fraud, they removed the money from my clients account and therefore it should be deposited into mine just as easily! We are living in the year 2026!! lets get this figured out!

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
Predatory Lending Approving loans to students unlikely to repay Interest Rate Abuse Imposing hidden variable rate increases Servicing Misconduct Mishandling payments and disputes Forbearance Steering Pushing borrowers into costly forbearance Fraud Misrepresenting loan terms at origination started school 2018 and had two co-signers, one of which is not very helpful I have had a severe impact on my credit and can't afford living expenses. I don't qualify for repayment options as my account is not currently delinquent. if I pay my student loan monthly at this rate it will drain my savings ( est {$100.00} saved ) completely. savings I use for emergencies, now if an emergency occurs, I will have no money. I can not afford good groceries or food as they are expensive I have linked below an overview of XXXX XXXX actions as detailed by a law office I have also issued them a cease contact letter ; however, they are harassing my family and work. i also was contacted when a loan charged off as they were asking me to pay it, which is unethical as I know they sold my debt and just want to reap the benefits from vulnerable borrowers. https : //lawfold.com/sallie-mae-lawsuit/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation