vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I closed a loan with Wells Fargo on XX/XX/2026 for a condo property in XXXX. In the 2 days before my closing, when I received the Closing Disclosures from Wells Fargo, it included 3 months of upfront property tax escrow due at close as the default. I was already paying my title company to cover my first 6 months of property taxes so I was confused as to what this was. My loan XXXX said it was an optional escrow service that Wells Fargo offers. I have no interest in Wells Fargo holding my cash for me, so I asked him to remove it. I was told that while it is possible and that my loan allows exemption from escrow, it would require recutting the Closing Disclosures and he wasn't sure how long that would take. I was told that this could then result in my lawyers not receiving them soon enough and it could delay my closing date. In New York XXXX, this could mean a delay of a few weeks, because closing appointments are hard to find. I was told that you can instead waive escrow after closing, so in an attempt to not rock the boat, I agreed. My wife is XXXX weeks pregnant and we need to move into this new apartment and we could not afford to delay closing. Now after closing, Wells Fargo is telling me that I have to wait XXXX YEARS to close my escrow. I'm a well-capitalized borrower with an XXXX XXXX XXXX and was allowed to waive my escrow days earlier. Nothing has changed at all in my risk profile. I have no interest in unnecessarily keeping my money with Wells Fargo so they can collect interest off of my money. I'm perfect capable of paying my own taxes. This system seems predatory. If escrowing property taxes is not required, why is it their default option? Why do I only have until the last minute to waive something that is $ XXXX of money? I was coerced into closing with escrow and am now being told it's a matter of policy that I can not close it. It's ridiculous.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX denial of my debit card fraud claim related to an impersonation scam. On XX/XX/XXXX, I became the victim of an impersonation scam. An individual falsely represented themselves as being associated with XXXX and deceived me into believing that the request and transactions were legitimate. As a result of this deception, several debit card transactions occurred on the same day totaling approximately {$100.00}. The transactions were related to Stored Value Cards and e-Gift Cards. The transactions appeared on my account statement as XXXX, XXXX. At the time of the transactions, I did not understand that I was being targeted by a scam or that I was participating in fraudulent activity. I was deceived by an individual who was impersonating a legitimate company. After realizing that I had been scammed, I immediately contacted Wells Fargo on the same day to report the incident. I requested that my account be secured, my banking information be changed, and that a new account be opened to prevent any additional fraudulent activity. I also contacted the police on the same day to report the incident. Wells Fargo investigated my claim and denied it, stating that an alert was sent and that the transactions were approved. I requested a second-level review ; however, Wells Fargo upheld the original denial decision. I believe my claim was not fully evaluated considering that I was a victim of an impersonation scam. Any approval occurred as a result of deception and manipulation by a scammer. I did not knowingly authorize fraudulent activity, I did not receive any benefit from these transactions, and I do not know who received or used the Stored Value Cards or e-Gift Cards. I am requesting assistance from the Consumer Financial Protection Bureau to ensure that Wells Fargo conducted a fair and complete review of my claim and considered the circumstances of the impersonation scam. I respectfully request : * A clear explanation of the evidence used to deny my claim. * A review of whether my claim was properly evaluated considering the circumstances of the scam. * Any assistance available in resolving this matter fairly. Thank you for your time and assistance. Sincerely, [ 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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, my credit account was transitioned to Citibank from my previous card issuer. Prior to this takeover, I maintained active, successful automatic payments with the previous issuer. Citibank failed to provide transparent, timely, advance notification regarding the exact transition dates and payment migration process. Due to this lack of proper notice, the automatic payment link was broken without my knowledge, resulting in an unintended missed payment. As a direct result, Citibank reported a delinquency to the credit bureaus, causing an immediate XXXX drop in my credit score. As soon as I discovered the issue, I immediately paid the balance in full to settle the account. I contacted Citibank customer service via chat on XX/XX/year>. Citibank acknowledged the administrative transition error by agreeing to waive the late fees, but their management stated they were " unable '' to fix the inaccurate credit bureau reporting through their chat channel. Under the Fair Credit Reporting Act ( FCRA ), Citibank is the furnisher of this data and has a legal obligation to report accurate information. This delinquency was entirely caused by Citibank 's account migration failures, not financial neglect.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXXXXXX I applied for the account and was approved ( XXXX XXXX XXXX ). On XX/XX/XXXXXXXX ( XXXX XXXX XXXX an unidentified emailed was added to the account ( XXXX ) XX/XX/XXXXXXXX ( XXXX XXXX ) was notified to add funds. XX/XX/XXXXXXXX ( XXXX XXXX XXXX was notified to add funds by XX/XX/XXXX or account to be closed. XX/XX/XXXXXXXX ( XXXX XXXX XXXX new account approved. XX/XX/XXXXXXXX statement record for period XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account ending in XXXX XX/XX/XXXXXXXX electronic deposit posted from IRS XXXX XX/XX/XXXX UNAUTHORIZED ACH tranasaction of {$8700.00} to Bonums travel XXXX XX/XX/XXXX ( XXXX XXXX ) called USBank and the automatic answering service sent the verification code to a number not associated with me [ ( XXXX ) XXXX ] I also found out that online banking was set up using that unauthorized email and phone number, the login was XXXX This was the same day I spoke to the fraud department and the credited me the money for the investigation but then they denied it and never sent an explanation why even after I emailed them. I can also send a copy of the email I sent them if needed.

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 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC
State: CO

Complaint narrative:
Beginning in XXXX, Johnson Mark attempted to collect an alleged debt without providing lawful validation. I mailed a certified debt validation request under 15 U.S.C. 1692g ( b ), asking for proof of ownership, proof of assignment, complete chain of title, the original signed contract, itemized accounting, and verification of any credit reporting. Johnson Mark responded with multiple Bills of Sale that were defective and incomplete. None of the documents identified me, my account, my balance, or any chain of title. The Bills of Sale also contradicted a court filing showing XXXX XXXX XXXX as the plaintiff, which raises concerns about misrepresentation of the creditor and lack of authority to collect. Despite failing to validate the debt, Johnson Mark continued collection activity through credit reporting. This has caused damage to my credit file and violates both the FDCPA and FCRA. I am requesting CFPB assistance because the company did not provide the required documentation and continued collection efforts without proper validation.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
Complaint Against Truist Bank I am submitting this complaint because I have been unable to obtain a replacement debit card from Truist Bank despite repeated attempts over a period of approximately XXXX months. I currently reside in XXXX and maintain an account with Truist. My replacement debit card never arrived, and after reporting this to the bank, a second replacement card was reportedly mailed. I received an email notification advising that the second card was sent on XXXX XXXX XXXX XXXX XXXX XXXX. As of today, I have still not received it. During the past XXXX months, I have contacted Truist Customer Support numerous times. Each time I have explained the situation and requested assistance, but the issue remains unresolved. To help resolve the matter, I have even offered to pay the cost of expedited international courier delivery using XXXX, XXXX, or another tracked courier service. Truist has not accepted this offer or provided an alternative solution. Because I live in XXXX, repeated international telephone calls are inconvenient and costly. Truist does not provide a customer service email address or another practical method for international customers to communicate in writing, making it extremely difficult to resolve this issue. I am requesting that the CFPB ask Truist to : Investigate why XXXX replacement debit cards have failed to reach me. Confirm that the correct mailing address is recorded on my account. Issue a replacement debit card using a tracked international courier service. Provide a written explanation of the steps taken to resolve this matter. I believe I have made every reasonable effort to resolve this issue directly with Truist and am requesting your assistance in obtaining a timely resolution. For the last XXXX months I have had no access to my funds. Thank you for your consideration.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo keeps hanging up on me and will not help me get my money back after being a victim to fraud.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received 2 letters of fraudulent accounts opened in Wells Fargo bank, one was a credit card under the XXXX XXXX XXXX name and the other was a Wells Fargo Business Checking account. I contacted both numbers listed on XX/XX/XXXX to get them froze and fraud reports started. Both accounts had XXXX balance. That same day I had contacted the three credit bureaus and had my credit frozen. I received letters from wells fargo ( last week- I don't have the specific dates I received ) that they requested my fraudulent credit be removed from those three agencies. ( It was removed ) But on XX/XX/XXXX I received an account transaction fee summary for the business checking account showing a XXXX balance and that the wavied fee will expire soon. I was hoping that it would be closed by now, but when I called on XX/XX/XXXX they said there was a hold on it, nothing more. I was transferred to their identity theft dept, but since it was the weekend I had to end my call. I called today to look into seeing if I could close the fraudulent checking account and they kept sending me to another department, first fraud identity theft dept, and then a loss prevention dept line which unfortunately dropped my call. I couldn't get any more information when they kept transferring me. I would just like the checking account closed.

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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate data thats been reported as identity theft and fraudulent

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 2026-07-15 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: NY

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 explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied Barclays Priceline Visa credit card and it got approved on XX/XX/year> and I did tried to do the balance transfer after getting approved but the customer service told me to wait for 24-48 hours after getting approved so I waited and I did tried to call them after 3 days to do the balance transfer. I did called them and they processed the transaction but the agent, I was talking she was unable to do the transaction which is balance transfer from Priceline card to another credit card of mine and instead she connected my call to supervisor of her and she mentioned that my account was locked because of fraud transaction done by myself and at that point, I didn't even received my card and the only transaction on my card at that moment was done by the earlier agent and she told me to do a outbound call for verification purpose and I neglected on that day and tried calling back to customer service on XX/XX/XXXX and I was successfully resolved the issue with the outbound call, I did received a call from them to my mobile number and the verification was done through call and I am able to access my account back on my own. Since, I do have a question on the balance transfer, I tried calling back to customer service for the balance transfer and since she was unable to do the transfer, she connected me to another representative and this lady here told me to do the outbound call verification again and also mentioned that she was unable to do the call to my number but I did received a call earlier like 5-10 minutes back and right now they mentioned they can't do the call. So, I asked them to connect to the supervisor for further assistance and they connected and she mentioned that she was unable to call to either of my numbers, which I did mentioned to her during the call and she put me on hold for few minutes like around 20 min and she hang up the call and later again I did calling back and the same thing happened, the agent put me on hold for 18 min and hung the call without resolving my issue and I do have proofs of calling them and not answering to my questions. Also, the balance transfer they mentioned on the advertisement that I have received stated that, I can be able to transfer balance from Priceline card to another credit card but on the website of Barclays, they are displaying it as " I can be able to do the transfer from another external credit card to Priceline card, which was not even mentioned anywhere while I was applying to this card and this all happened with Barclays US bank with Priceline Credit card team ''.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this

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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I am filing this complaint because Ally Bank refuses to allow me to open a checking or savings account despite the fact that I have previously maintained an auto loan relationship with Ally. I have attempted to establish a banking relationship so that I can continue doing business with the company, but my applications are repeatedly denied without a meaningful explanation. I believe I deserve a clear reason for the denial and any adverse action notice identifying whether the decision was based on information from a consumer reporting agency such as XXXX or XXXX XXXX XXXX, or any other screening report. Consumers who are denied a deposit account based on a consumer report are entitled to information about that decision and the reporting agency involved. I am requesting that Ally : * Provide the specific reason my checking and savings account applications were denied. * Identify every consumer reporting agency or internal screening system used in making the decision. * Correct any inaccurate information that may have influenced the decision. * Reconsider my application based on my previous customer relationship and current eligibility.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
complaint # XXXX follow up. This is a follow up from the initial complaint with Bank of America 's refusal to provide documentation for the fraudulent {$4900.00} charged to my credit card by XXXX XXXX XXXX between the XXXX and XXXX of XX/XX/year>. Since then, BofA sent me XXXX letters stating that I did authorize those charges, and that they have receipts/contracts between me and the merchant validating those charges. I demanded copies of the receipts/contracts, but BofA admitted verbally on XXXX XX/XX/year> that none exist- they only have the text message they sent me on XXXX XX/XX/year> for the approval of a purchase, and that's the only proof they needed to invalidate my claim of fraud {$4900.00}. FACT : There is a text message sent from BofA on XX/XX/XXXX for a purchase approval. The only online purchases made on the XXXX of XXXX, and I have an email confirmation receipt, is from the online retailer XXXX for {$24.00} - the same day the text message was sent - and it matches the dollar amount on BofA 's credit card statement except there it states the charge is from XXXX XXXX XXXX not XXXX. I have no other text message from BofA on the XXXX of XXXX, nor are there any other online purchases made that day - especially any for the XXXX other charges totaling {$4800.00} from 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