vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XX/XX/XXXX, I was laid off from my job and after a couple of months. I was concerned about not finding a new position and approached Wells Fargo about options for assistance with my loan. My loan was put into forbearance. After I received a new position, I resumed paying after a year. I began paying again. After a year, my loan was sold to XXXX XXXX and it seemed like the loan was increased and then I found out that they had another XXXX that they pulled out into some other account that I had no idea about. And that I would need to refinance to get all of the loans together. But my loan prior to forbearance was only approximately XXXX but now it is XXXX plus the XXXX. They made it to my full XXXX but my home was paid down way more than that and I am now back to what I initially paid when I initially bought my home in XXXX. It was as if all my payments pre-forbearance were erased. Wells Fargo sells the loan and gets more than I actually owed. Now I am dealing with XXXX XXXX and they keep messing up my payments causing me to have late fees and then not working with me correct the errors. I feel like I have been robbed and misled with the loan process and now I have now way out to resolve it. I need guidance and assistance in figuring it out. Thank you.

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 2026-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Since I am 100 % disable veteran, I applied to have my property taxes reduced. This was completed and successful in XX/XX/year>. The county tax collector sent a letter that verified the new amount of taxes owed every 6 months and annually. The second installment of taxes were due in XX/XX/year>. A letter dated XX/XX/year>, from the tax collector noted the property taxes were not paid on time and a late fee of {$170.00} was added to the property taxes totaling {$1700.00} ( $ XXXX {$170.00} late fee ). I contacted my lender 's Escrow & Tax department, which claimed they received electronic notification that no tax bill was due. I asked for a copy of this documentation, which they denied me access. I went to the Tax Collector 's office to clarify the issue and get a copy of the digital notification that the lender claimed to receive, I was told that they had no record of any notification being sent. I called the lender after my visit to the Tax collector 's office and confirmed that the taxes were due, I also requested since they were negligent in not paying my bill on time they cover the late fee. XX/XX/year>, I received a letter from my lender dated XX/XX/year>, that their research claimed they were not negligent in my tax bill being late and that this was my responsibility to pay. This is the property 's tax bill that gets paid through the escrow account, not sure how this is my responsibility since the lender failed to pay through the escrow 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am formally notifying you that, effective immediately, you must cease and desist all communication with me regarding any alleged debt your company claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), once a consumer provides written notice to stop communication, a debt collector must immediately halt all contact except to confirm one of the following : 1. You are terminating further collection efforts, or 2. You intend to take a specific legal action. This letter serves as my official written notice. You are not permitted to call, text, email, mail, or otherwise contact me regarding this matter. Additionally : You are not authorized to contact my family, employer, neighbors, or any third party. You are not authorized to report or re-report inaccurate or unverified information to any credit bureau. Any continued communication after receipt of this letter will be documented as a knowing and willful violation of federal law. If you believe you have documentation validating the alleged debt, you may send one written notice containing only the following : The name of the original creditor The alleged amount Copies of any signed contracts or agreements bearing my signature No other communication is permitted. Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint with the Texas Attorney General Potential civil action for statutory damages under the FDCPA I expect your full compliance. Sincerely, 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
CFPB Consumer Complaint Unauthorized ACH Fraud and Bank Denial Complaint Summary : I am filing a complaint regarding unauthorized ACH transactions on my business checking account held with U.S. Bank. The bank has refused to reimburse fraudulent transfers, citing a 60-day reporting rule. However, I was unable to access my account during a bank-imposed freeze period, which prevented timely discovery and reporting of the fraud. Account Details : * Financial Institution : U.S. Bank * Account Type : Business checking account ( XXXX-owned ) * Fraud Period : Beginning XX/XX/XXXX * Bank-Imposed Account Freeze : XX/XX/XXXX to XX/XX/XXXX * Online Access : Disabled during freeze * Paper Statements : Not received during freeze period * Date Fraud Discovered : After restoration of access in XX/XX/XXXX * Claim Filed : XX/XX/XXXX * Final Bank Denial : XX/XX/XXXX * Bank Internal Case Closure : XX/XX/XXXX Issue Description : Multiple unauthorized ACH transactions were processed starting XX/XX/XXXX. The account was later frozen by U.S. Bank from XX/XX/XXXX to XX/XX/XXXX, during which I had no online access and could not effectively monitor or review transactions. U.S. Bank denied my claim citing a 60-day reporting requirement. However, this requirement was impossible to comply with in practice due to the bank-imposed restriction on account access. I reported the issue promptly after gaining access and discovering the unauthorized activity. Desired Resolution : I request full reimbursement of all unauthorized ACH transactions totaling approximately {$8000.00}, as well as correction of account records to reflect the fraudulent nature of these transactions. Supporting Argument : The banks denial relies on a reporting deadline that was not reasonably enforceable under conditions where the bank itself restricted access to the account, preventing timely discovery of the fraud. I have been calling US Bank Customer service center multiple times, i.e. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to communicate and request reconsider its conclusion, but no response was ever received and I heard my case was ccanceled in its system on XX/XX/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 2026-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request a review and goodwill adjustment of the deferred interest charges recently applied to my Lowes credit card account. At the time of purchase, I understood the promotional financing offer to mean that no interest would be charged during the 12-month promotional period. I was not aware that if the balance was not paid in full by the expiration date, interest accrued from the original purchase date would be charged retroactively. I do not believe this deferred interest feature was clearly explained or adequately disclosed to me when the account was opened or at the time of purchase. I have consistently made payments on this account and acted in good faith throughout the promotional period. Upon discovering the interest charges, I immediately contacted customer service to seek assistance and clarification. I was advised that no adjustment could be made because I was outside of a 30-day window. Although I have now paid the balance in order to prevent any additional interest from accruing, I respectfully request that Synchrony reconsider the deferred interest charges as a one-time goodwill adjustment. Had I fully understood the retroactive interest provision, I would have ensured the balance was paid prior to the promotional expiration date. I value maintaining a positive customer relationship and hope that my payment history and circumstances are taken into consideration. I would greatly appreciate a review of this matter and any accommodation that may be available. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX XXXX Account ending in : 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
Dear Sir or Madam, I am filing this complaint against Eastern Bank regarding a misleading new checking account bonus promotion. I opened a new Eastern Bank checking account based on its advertised new account bonus offer. I followed the stated requirements, including opening the account, depositing the required funds, and maintaining the required balance for the required period of time. After I completed the requirements, Eastern Bank refused to pay the bonus. The bank stated that I was not eligible because only one person at the same address or household could receive the bonus. I believe this restriction was not clearly and prominently disclosed. This was a material eligibility limitation, but it was not presented in a clear or conspicuous way during the advertisement or the online account-opening process. During the online application process, there was no warning, eligibility check, or notice telling me that my address or household would make me ineligible for the bonus. If Eastern Bank had clearly disclosed this restriction before or during the application process, I would not have opened the account or kept my funds in the account for the promotional period. Instead, I relied on the advertised bonus, completed the deposit and balance requirements, and only later learned that the bank would deny the bonus based on a condition that was not clearly presented. I already filed a complaint directly with Eastern Bank, but Eastern Bank refused to resolve the issue. I believe this practice is misleading and unfair to consumers. The bank benefited from my account opening and deposit activity, while denying the bonus based on a hidden or inadequately disclosed restriction. I respectfully request that Eastern Bank be required to pay the advertised bonus

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion closed CFPB complaint # XXXX as a duplicate on XX/XX/year> to avoid responding to a legitimate dispute. This complaint was not a duplicate. It was filed on XX/XX/year> regarding inaccurate information on my TransUnion credit report. TransUnion used the duplicate designation as a tactic to avoid their legal obligation to investigate and respond within the required timeframe. This is a pattern of deliberate non-compliance with CFPB complaint procedures.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/year>, a person/entity named XXXX XXXX initiated a {$98000.00} wire transfer out of my bank account without my knowledge. As soon as I found out I reported it to my bank and the XXXX, CA XXXX XXXX. An investigation was done by the bank and they concluded the sender is our customer. To repeat, this was a fraudulent transaction made from my checking acct via wire. Police investigation is ongoing. The bank in question is BMO bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX. I am working with XXXX XXXX from the bank. The bank is unwilling to restore the 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XX/XX/year>, someone/company/agency working for barclays and XXXX XXXX opened a line of credit with barclays without my consent.

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 2026-06-17 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: CA

Complaint narrative:
On XX/XX/year>, I visited a Citi Bank branch to ask questions regarding my credit card annual fee and whether I qualified for an annual fee waiver, refund, or reversal under the SCRA protections and benefits provided to eligible servicemembers. During my visit, the branch representatives informed me that this matter needed to be handled by Citis back-office department. I followed their instructions and contacted Citis back office. During that call, the representative advised me that they would submit a claim/request on my behalf and forward my account information for review by the appropriate department to determine whether I qualified for an annual fee waiver, refund, or reversal under SCRA. I waited approximately one month for an update. When I contacted Citi again to check the status of my request, I was informed that there was no case on file, no claim had been opened, and there was no record showing that my request had ever been submitted for review. This is extremely concerning because I relied on Citis representatives to properly document and process my request. I was told that the matter had been submitted, but Citis system shows no evidence that any action was taken. As a result, I was denied a proper review of my eligibility for benefits that may be available to me under the SCRA.

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 2026-06-17 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of America and what I believe to be unfair and unreasonable handling of a legitimate business check deposit, along with repeated failures in communication, review, and customer treatment. I have been a Bank of America customer for approximately 23 years and currently maintain multiple accounts with the institution, including business accounts for my company, XXXX XXXX XXXX XXXX. Recently, I deposited a legitimate business check into my account. After the deposit was made, Bank of America placed an extended hold on the funds. I personally went into the branch to speak with representatives and management to explain the situation, provide clarification, and request that the check be reviewed for a possible early release due to the financial impact the hold was causing on my business operations. Instead of helping or conducting what appeared to be a reasonable review, the hold was extended even further. Since then, I have repeatedly attempted to obtain answers, updates, or assistance, but I have received little to no communication. Multiple days have passed without meaningful follow-up despite my requests for escalation and review. This situation has created severe hardship for my business. As a small business owner, I rely on access to legitimate deposited funds to operate, pay obligations, and continue business operations. The lack of transparency, communication, and responsiveness from Bank of America has caused unnecessary XXXX, financial interruption, and loss of trust. My concerns include : * Unreasonable and repeatedly extended hold periods on a legitimate business deposit * Lack of clear communication or explanation regarding the hold * Failure to properly review the matter after in-person requests for escalation * Financial hardship caused to my business operations * Treatment that has made me feel unfairly targeted and ignored as a long-term customer I am requesting that this matter be formally reviewed and investigated. I would also like Bank of America to provide a full explanation for the continued hold, the basis for the extensions, and why my requests for escalation and review were not properly addressed. I respectfully request assistance from the CFPB in obtaining accountability, communication, and fair treatment regarding this matter. 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my loan account and the repossession process. Several years ago, I helped my cousin purchase mowing equipment for his landscaping business by using my credit to obtain financing. We accepted a loan with a 15 % interest rate because it was necessary to start the business, despite the unfavorable terms. Over the course of approximately three years, we consistently made payments on the loan. However, due to the high interest rate, the principal balance appeared to decrease very slowly. Based on the amount paid over that period, I believed that a substantial portion of the loan had been satisfied. Approximately one month ago, the mower was repossessed after we fell behind on several payments. Before the repossession occurred, I attempted to work with XXXX to discuss hardship options and request a temporary payment arrangement. Unfortunately, I found the process extremely difficult, and customer service representatives were not helpful in providing solutions or guidance. I am also concerned about the manner in which the repossession was conducted. The repossession agents entered my property located at XXXX XXXX XXXX to retrieve the mower without my consent. They crossed into a fenced area to remove the equipment. At the time, my mother-in-law was present at the property. The situation caused her significant distress, and she became frightened and panicked during the encounter. I believe the circumstances surrounding the repossession were unnecessarily intimidating. After the repossession, I made repeated efforts to determine what was required to recover the mower and pay off the account. Despite numerous phone calls and emails, I was not promptly provided with a payoff amount or a clear deadline. Eventually, I was informed that I would need to pay approximately {$10000.00}, along with additional fees of approximately {$1400.00}, to recover the equipment. After paying the payoff amount, I was not informed that I would be responsible for traveling from XXXX, Arkansas, to XXXX, Texas, to retrieve the mower. Upon arrival, I was required to pay an additional {$1400.00}. These costs and requirements were not clearly communicated to me in advance. Throughout this process, I made every effort to resolve the account, pay off the loan, and protect my credit history. Instead, I experienced poor communication, inadequate customer service, unexpected fees, and significant stress. I respectfully request a review of my account, the repossession process, the fees charged, and the handling of my requests for assistance. Thank you for your time and consideration. I look forward to your response and a fair resolution of this matter. Sincerely,

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