vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Deal Depot, Inc.
State: SC

Complaint narrative:
On XXXX XXXX I bought a car 2016 XXXX souls I told the XXXX XXXX finance XXXX I wanted the car to travel would there be a problem I was told by both no problem I could travel in the car the XXXX XXXX said I could travel in the car they did not restrict there customers aftter XXXX weeks of signing I was leaving I went XXXX the dealer XXXX pay up in advance while I was gone for XXXX weeks I was then told I could not travel where I was going so I returned the car I only bought it XXXX travel XXXX if I coils not travel I did not want it I handed the keys XXXX an employee XXXX XXXX than told me I had XXXX sign a paper saying I returned the car I later found out I signed a voluntary repossession it wasnt repossession it was returned by me cause I could not travel like I was told in the beginning they did not give me any of my XXXX back told me they would be in touch with me in update about it that was XXXX months ago the car is now back in there lot for resale for the same down payment and same price they kept my money the car had gps on it they could see I did not use the car after I drove it home it sat was not used it was only going XXXX be used for the traveling trip I returned the car in excellent condion with no miles XXXX it I got an email from the owner saying ; thank you for returning the car in excellent condion conditioner XXXX XXXX sorry for the misunderstanding about travel restrictions this was discussed at closing. It was not discussed at XXXX I was told there was no travel restrictions venerable XXXX I got witness XXXX it the contract say I will not leave the registering state with out permission I discussed this with the XXXX after I realized he told me him self that did not obtain XXXX traveling or vacation that was if I moved permitly out of state XXXX I was not I was going on vacation XXXX they all knew if it was a reposses for non payment they would have to action it off and they are not its back in the lot for resell like it never happened but I did not revive any of my money back. Thats unjust XXXX me they stole my money if they was honest with me in the beginning when I was talking about traveling I would not have got the car but because they all said I could travel I bought the car please help me XXXX XXXX not the only XXXX that has been down wrong by this company someone needs XXXX stop them from stealing from people please help I paid XXXX down XXXX XXXX XXXX payment of XXXX I want half or all of my down payment. Back since they lied XXXX me forcing me XXXX return the car please help me XXXX so many others

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I recently sent money via Zelle to someone to write me a song but they did not reply to anything after I sent them the money, I sent it on XX/XX/XXXX but Im taking action now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within XXXX day of opening, with no specific explanation other than a business decision. The closures appear to be related to XXXX prior incidents : XXXX. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. XXXX. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX XXXX XXXX I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
They are refusing to give me my money off my venmo account debit card it has {$75.00} remaining balance i need it! Ive been going through this with this company XXXX. I submitted a report on XX/XX/2026 they claimed wrong company!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of a fraud dispute involving approximately {$2900.00}. I was the victim of a scam from a fraudulent unlicensed lawyer which has since been proven to be true and reported the transactions as promptly as I could once I took other steps. Chase issued provisional credit during their investigation. However, the credit was later reversed without any explanation of the investigation findings. I was not provided documentation showing how they determined the transactions were authorized. The review appears incomplete and did not fully consider the fraud evidence I submitted. I was XXXX at the time and robbed out of thousands of dollars from a mass scammer pretending to be a lawyer, forging signatures and fabricating information to use against me. My account has since been closed, and Chase is now attempting to collect the reversed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within XXXX day of opening, with no specific explanation other than a business decision. The closures appear to be related to XXXX prior incidents : XXXX. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. XXXX. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX XXXX XXXX I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database XXXX of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

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 2026-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX check deposited into {$7000.00} XXXX savings and same check was deposited on XX/XX/XXXX {$7000.00}. I did not know at that time not having copy of deposit it was the same check. Huntington at that time gave notice that checks are held for verification for XXXX business days, On XX/XX/XXXX & XX/XX/XXXX double deposit was accepted and funds made available for me to disperse. It was till XX/XX/XXXX that I was notified by mail and myself going to the bank that funds were returned. Causing me to be responsible for funds I was allowed to use. Huntington blocked all my accounts and I was unable to access my checking and other savings that were not involved. I have solid documentation I asked for that shows obvious error of bank accepting check twice. I have had numerous contacts XXXX XXXX and XXXX to get this corrected. Huntington has basically ignored the entire error only acknowledged second deposit error but was too late after funds were already used. The fraudulent check was not known by myself till I received copies after actions had been done. Huntington created this and should not have made funds be available with valid documents. Now I'm faced with a debt that could have been avoided. I have been proactive to get thus resolved but bank has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: PA

Complaint narrative:
I am an XXXX XXXX XXXXXXXX. I am filing this complaint regarding an unauthorized electronic fund transfer that occurred after my card was canceled, and the failure of the card program XXXX to prevent or promptly resolve it. A charge of {$130.00} from XXXX posted on Friday, XX/XX/XXXX, with both the transaction date and post date listed as XX/XX/XXXX. This charge was processed using my old card number ending in XXXX, even though that card had been canceled on XX/XX/XXXX due to a prior dispute involving the same merchant. I have not rented from XXXX since XX/XX/XXXX. At the time of this charge, there was no active rental, no open contract, and no authorization permitting this debit. I did not provide new payment credentials, did not reauthorize the merchant, and received no notice, invoice, or explanation for the charge. Despite the card cancellation, the transaction was still allowed to post, indicating the improper use of stored or updated payment credentials. This constitutes an unauthorized electronic fund transfer under the XXXX XXXXXXXX XXXX XXXX ( 15 U.S.C. 1693 ). I reported the unauthorized transaction promptly and attempted to contact customer support multiple times. Calls were placed on extended hold and repeatedly disconnected. In XXXX instance, an agent terminated the call after I requested a supervisor. I have requested written escalation and provisional credit but have not received confirmation that the merchant has been blocked or that card updater/tokenized payment services have been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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:
I was in the hospital receiving treatments for my illnesses throughout last year XXXX. In XXXX, I reviewed my Wells Fargo bank statements and found multiple charges from different states and transactions with the same charge amounts dating all the way back to XX/XX/XXXX. I had never given prior authorization to anyone else to use my card. I never left the city as I was in the hospital. On XX/XX/XXXX, I submitted an initial consumer complaint with CFPB. On XX/XX/XXXX, Wells Fargo fairly assessed my complaint and reimbursed me of the fraudulent charges on my account amounting to around {$5000.00}. On XX/XX/XXXX, I noticed that a fraudulent charge of {$620.00} completed on XX/XX/XXXX was not included in the closing case report from Wells Fargo. I would like to Wells Fargo to look into this charge from XXXX XXXX, CA as I have never visited this place. Not to also mention that the transaction was completed with a digital tap payment method which I do not use. I'm unsure if the agent I spoke with on the phone forgot to add this charge to the complaint. I hope that Wells Fargo will resolve this complaint the same way it resolved my previous complaint.

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
transaction ID : XXXX Money debited from XXXX account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX service fee. Complaint raised from : XX/XX/XXXX In their app it shows credited to the receipt account. Receipt relationship : Spouse I am filing this complaint regarding an international money transfer sent from the United States to XXXX through the Abound app, which has not been delivered. The transfer was sent for an emergency purpose, and it has now been 22 days without the funds being credited to the beneficiarys account. The amount was debited from my account immediately. Started complain from XXXX XXXX. Recent action take by myself as below. On XX/XX/XXXX, the company requested a receipt statement, which I promptly provided along with proof that the funds were not received. Despite daily follow-ups, including my last email on XX/XX/XXXX, I have not received a resolution or a clear explanation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I want to file a complaint against XXXX XXXX and Portfolio Recovery associates for fraudulent dishonest and unfair business practices. XXXX XXXX misrepresented the debt, sold to collection agency, and reported an inaccurate credit card amount of debt from XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX synchrony bank over charges an excessive late fee and interest charges. Which is Violation of Fair Debt Collection Practices Act. The charging of the account and their statement of debt are very confusing, that is why I attached all their billing statements. and charge off debt sold to collection agency, in the past XXXX years the Portfolio Recovery Associates keep calling my phone for almost every day with too many different phone number I have all the record starting XXXX to present and I can request it to my Phone XXXX, Portfolio recovery continued pursuing that debt even though its not accurate and continued reporting to the credit bureau for the past XXXX years resulting negative impact to my credit report this issue was previously disputed to the credit bureau but portfolio insist that the debt is accurate although the synchrony made a false report but nothing happen because the Portfolio recovery insisting that the debt sold to them by XXXX XXXX is accurate that is why I demand the accuracy and I found the billing statement that they continued charging me for over XXXX months period this wrong amount of debt added to my stress because you cant negotiate and ask for accuracy of debt from portfolio recovery associates to correct what the XXXX XXXX submitted to them, the amount of debt is total false even though it is not the right amount of debt. If there is anything you can do, I will appreciate it. Only the CFPB and the only government agency on which I can lean on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged debt that Credit Collection Services is attempting to collect and/or furnish to consumer reporting agencies in my name. I do not owe this debt, and I dispute it in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request full and complete validation of this alleged debt. This request includes, but is not limited to : A copy of the original signed contract or agreement bearing my signature Proof that I am the legally obligated party A complete and itemized accounting of the alleged balance Proof of your legal authority to collect, including documentation of assignment, purchase, or ownership of the debt Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers of information have a continuing duty to report only information that is accurate and verifiable and to conduct a reasonable investigation upon notice of dispute. Reporting or continuing to report information that can not be substantiated constitutes a violation of federal law. If this account is the result of identity theft, unauthorized use, or incorrect attribution, continued collection or reporting activity may further violate the Identity Theft and XXXX XXXX XXXX ( XXXX U.S.C. XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), 15 U.S.C. 1681c-2, which requires blocking of information resulting from identity theft upon notice. Please be advised that continued attempts to collect, verify, or report this account without competent evidence of liability may constitute violations of, but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692g ( b ) Continuing collection without proper validation 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate disputed information You are hereby directed to cease all collection activity immediately unless and until you can provide proper validation as required by law. If you are unable to produce such validation, you must promptly delete this account from all consumer reporting agencies, including XXXX XXXX XXXX XXXX as well as from your internal records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation