vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Oh XXXX XX/XX/XXXX I submitted a mobile check deposit of over XXXX. On the same day I recieved an email that XXXX will be given XXXX business and the remainder of the check XXXX business which is Monday XX/XX/XXXX. Today the money has not been realized. When contacting the bank ( agent, supervisor, and request internal complaint and audit ) I was told an non-secure e-mail was sent to my personal e-mail on XX/XX/XXXX with general reasons why a hold XXXX occur. I advised the representatives that no e-mail was recieved and that the app shows my deposit was approved. The app does not display a hold date or reason and there are no messages or notification informing me my check check was being held. I asked for proof an e-mail was sent and was advised no email can be resent. The company is stealing my money and refused to provide me documentation of specific reasoning by my check is being held. I was given the same generic copy and paste non empathic response. No one conducted an internal compliant or ticket even when I asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
My old roommate received a text message about a debt thats owed and has received several voicemails from med 1 solutions for myself. Because of the breach of contact, my old roommate is aware I have debts in collections. This is strictly against the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank is reporting an invalid delinquency on my credit report for a credit card account that was ordered closed by the bank itself on XX/XX/XXXX. I followed up via email on XX/XX/XXXX, and via phone on XX/XX/XXXX, to ensure permanent closure. Despite this, the bank negligently allowed subsequent activity, generated an invalid balance, and sent a balance of approximately {$120.00} to collections. I spent two hours on the phone with TD Bank support on XX/XX/XXXX, being transferred XXXX customer service, collections, and recovery departments. Representatives completely refused to review my documentation, refused to open an internal investigation ticket, blocking my ability to file a formal dispute. I request that TD Bank immediately zero out this balance and issue a " Delete '' command to XXXX and XXXX to remove this trade line completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwest Finance Corporation
State: TX

Complaint narrative:
AN ORIGINAL LOAN WAS OF {$700.00} WITH FINANCE CHARGES OF {$360.00} TOTALING XXXX WITH THE MIDWEST FINANCE COMPANY. I FELL BEHIND ON PAYMENTS WITH THIS COMPANY THAT HAS CALLED ME OVER AND OVER WHILE I WAS IN THE HOSPITAL AND REFERRED BY CARDIOLOGIST THAT I WAS TO NOT HAVE ANY STRESS DUE TO MY XXXX XXXX. I INFORMED THE COMPANY MIDWEST FINANCE THAT I COULD PAY THEM MAYBE XXXX PER MONTH BUT I COULD NOT WORK AND ASKED THEM OVER AND OVER TO CEASE AND DESIST BUT THEY CONTINUED TO CALL ME OVER AND OVER HARRASSING ME NON STOP AND ON XX/XX/year>, I BEGGED THEM TO PLEASE STOP CALLING ME DUE TO MY HEALTH AND I HAVE ATTACHED PHONE RECORD OF THEM SHOWING THEY CONTINUED TO CALL ME HARASSING ME NON STOP FROM THE PHONE NUMBER XXXX. MIDWEST FINANCE FINALLY FILED COURT DOCUMENTS I WAS SERVED BY XXXX XXXX ON XX/XX/year>, WITH ACTIONS BY MIDWEST FINANCE TO SUE ME FOR THE AMOUNT OF {$1000.00} AND I HAD ACKNOWLEDGED OF THEIR SUIT AND THEIR INTENTIONS BUT THEY PROCEEEDED TO HARASS ME WITH A TOTAL OF XXXX PHONE CALLS AS OF XX/XX/year> CALLING DAILY AND MUTIPLE TIMES. I HAVE FINALLY BEEN ABLE TO BLOCK BUT THEY CONTINUE TO CALL FROM OTHER NUMBERS AND TRY COLLECTION TACTICS. LEAVING MESSAGES, TEXT MESSAGES AND GOING AS FAR AS HARASSMENT WITH SUING ME IN COURT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
My old roommate received 2 text messages regarding a debt of mine with this debt collector, I have never spoke to this debt collector, unsure if this debt is truly mine and they were never given any consent to text my old roommates number. They left sensitive information on an unconfirmed number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MD

Complaint narrative:
I received a text from the company, called the phone back. They asked for my name on automation then a person answered the phone asked me for my information gave them my address but no ss # or birthday. Told me I owe XXXX dollars to the state of Maryland for years XXXX, and XXXX. I explained to them I was out sick with a dependent how can I owe money. He then gave me the comptrollers information in which I did repeated back to him. We hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was put on my sister 's policy as payable upon death. When she died the executor and XXXX XXXX XXXX @ the XXXX XXXX branch of Truist told me the money had ben cleared by Social Security and was available for pick up. I went to the Truist branch on XXXX XXXX XXXX, XXXXXXXX XXXX. Branch XXXX was XXXX, and she was as rude as possible! I waited for close to an hour, not because there was a problem, it was because she had no idea what to do! After the extended stay I had to leave without my requested check and without being able to close the account, making yet another excuse from another person she called. The whole time I have to relive the " in your face '' that I lost my sister which is only weeks old so it's quite raw! And then these people are treating me like i'm a weasel or meaningless, and XXXX my feelings! They are trying to steal the money because they know I don't know the balance, and I could hear them talking about reasons they could deny giving it to me! And XXXX was the one changing the story!

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 2026-06-08 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

Complaint narrative:
I filed a claim against them and they are saying that the card was in my possession at the time of the incident and it was 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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello I am informing about my credit report and auto loan that need to be removed I tried making a resolution with the company about keeping the vehicle and working with me to make reasonable payments to keep the vehicle they never tried helping me they just took the vehicle from me voluntarily from my house that was not fair in my eyesight especially when you trying to make payments to keep it I will be getting a lawyer for this matter and will sue capital one for this matter if this is not removed from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting a complaint regarding a fraudulent XXXX credit account opened in XXXX without my authorization. I first discovered this account in XXXX while reviewing my credit reports with Experian, Equifax, and TransUnion. The account originally contained identifying information that did not belong to me, including a different name, phone number, and address. After contacting XXXX to report identity theft, my personal identifying information was incorrectly added to the fraudulent account, further associating me with an account I did not open. I disputed the account with all three credit bureaus as identity theft. Although the account was initially removed, it has since been reinserted and continues to be reported as verified despite ongoing identity theft concerns and inconsistent identifying information. I did not open or authorize this account and did not benefit from it in any way. I am requesting : * A full investigation under identity theft procedures * Removal of this fraudulent account from all credit reports * Copies of all documents used to verify ownership * An explanation of reinsertion after prior deletion * Correction of all inaccurate reporting associated with this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: IN

Complaint narrative:
I asked for assistance with activation of my card and I was denied. I tried through the app and over the ivr system. Even after the representative confirmed my information is correct. I get error " We are unable to validate the information entered '' I've not been able to access my funds for weeks. I asked if I can close the account and have it deposited to my checking account and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday, XX/XX/year>, a Truist ATM physically malfunctioned during my cash deposit, swallowed my money, and failed to credit my account. I filed an official dispute immediately last Tuesday. Due to severe financial hardship, I requested an emergency expedite on Wednesday evening, XX/XX/XXXX. On Friday, XX/XX/XXXX, a Truist supervisor explicitly stated the file was under review within a XXXX internal frame. Today, Monday, XX/XX/XXXX, a supervisor confirmed they filed an internal corporate complaint on my behalf but stated I must wait another XXXX to XXXX business days. Truist has missed all promised timelines, failed to provide updates on my screen, and refused to issue an emergency provisional credit. The bank is unlawfully withholding my funds due to their own faulty mechanical equipment, causing me extreme financial distress

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 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Im filling a claim/complaint against Navient and XXXX for XXXX practices with school loans that were affected by a Navient law suit filed against them in XXXX. ( CFPB federal lawsuit. ) As a result, Navient was banned from facilitating federal student loans any longer, and sold my loan without my consent to XXXX, now XXXX is claiming to be charging me interest since XX/XX/XXXX against a loan I did not agree to with them. I also attempted to log in to my Navient account to begin making payments again but was unable to do so. The website no longer allows logins with the url that was working previously. My concerns are multi-pronged. XXXX of the legal circumstances Navient was involved in and my rights as a loan participant. I was never contacted, by the legal team or Navient related to the settlement, until an agreed expiration deadline in XX/XX/XXXX. At that time XXXX XXXX, subsequently my labeled nonparticipation was then turned over to a third party XXXX as my loan holder. Would like to process this complaint/claim against these entities regarding my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
In XX/XX/2026, I reached out to the landlord who never did provide proof of alleged debt, with no invoices, itemized costs with receipts showing amounts paid. I repeated requests for months via certified mail. No responses or answers to emails, phone calls or certified mail. In XX/XX/2026, I received a notice from debt collection agency from SYNERGETIC COMMUNICATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requesting proof and documentation emailed to me, and they did respond, never provuded me with this information and ended up reporting on my credit report for an amount never validated. I dispute this alleged debt in its entirety. The lender/collector has failed to provide proper validation of the debt, including invoices, receipts, an itemized accounting of the balance, and documentation establishing their legal right to collect. Instead, they have relied on credit reporting information, which does not constitute sufficient verification. Their failure to adequately investigate and verify the debt may violate the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. I request that this account be removed or collection activity cease until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NC

Complaint narrative:
Received a promotion for a total of {$350.00} new account bonus after XXXX months of direct deposit. I exceeded the direct drive requirement. They said I DO qualify for the bonus. They refuse to pay it. Attached is bonus solicitation. Also the chat message confirming my qualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I logged into my PayPal account in order to send money and received a message that my account is permanently limited and that I can no longer send or receive funds. I have had an account since XXXX and it has been inactive for years and I have no idea why there would be any restrictions. I believe this may be an error and would like to have a chance to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I placed a claim on XX/XX/XXXX in regards to XXXX XXXX because my XXXX account has been compromised. I made a speed of {$10000.00} with Chase on XX/XX/XXXX. They close the dispute stating that my claim has been denied, but on XX/XX/XXXX I receive a email from fanatics saying that the claim has been in my favor and that the money was sent to my account. I immediately contact Chase and ask them about my money. They tell me that they did receive the money, but they sent me a XXXX number and claim to have sent the money back. I asked them if theres any way they can provide me with documentations about this claim and they are denying to do so I contact fanatics to know if they did in fact, receive the return, but XXXX is saying that they have not received anything. I have provided documentation to chase about this whole conversation between XXXX customer service and me but theyre still claiming they cant do anything about the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding National Credit Systems ( XXXX ) and a collection account being reported for an alleged rental debt. I dispute the accuracy of the amount being collected and reported. The balance includes charges that I believe are inflated, unsupported, improperly assessed, and not adequately substantiated. On or about XX/XX/year>, I requested validation of the alleged debt and supporting documentation. I later disputed the account with the credit reporting agencies on or about XX/XX/year>, and again on XX/XX/year>. Despite these disputes, the account continues to be verified and reported. My concern is not simply that I disagree with the debt. My concern is that the reported balance includes charges that remain disputed, including charges relating to property damage and move-out assessments that I have consistently challenged. I have provided supporting documentation and information relevant to my dispute, yet the account continues to be verified without adequately addressing the specific concerns I raised regarding the balance calculation. Additionally, the underlying landlord-tenant matter resulted in court proceedings in which the property management company failed to appear, and the case was ultimately dismissed. While I understand that dismissal does not automatically eliminate a debt claim, I believe this history is relevant because the charges and balance remain disputed and have never been satisfactorily explained or substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had multiple {$50.00} transactions in XXXX to XXXX from my account in florida. They were made while I was in California. Those were approved. I was denied those claims for multiple ( 9 ) transactions to XXXX again on XX/XX/XXXX and XXXX. To many of the same XXXX stores and a XXXX $ transaction at some grocery store in florida. They denied it saying it came from my phone. I was never in those places. I have no idea how it is happening!

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
I am filing this complaint against Klarna regarding a XXXX reservation financed through Klarna ( Order Reference : XXXX ). The reservation was cancelled, and XXXX has repeatedly confirmed that a full refund of USD XXXX was successfully processed. XXXX provided written confirmation stating : Refund amount : USD XXXX Refund status : SUCCEEDED Reservation status : Cancelled Total paid : USD XXXX Total refunded : USD XXXX XXXX 's transaction history also shows the refund as completed. Despite this, Klarna continued collecting payments and completed the entire payment plan totaling USD XXXX. I previously opened a dispute with Klarna. The dispute was closed without resolving the discrepancy between XXXX 's refund records and Klarna 's collection activity. I have since reopened the dispute. My concern is simple : XXXX states that a full refund was successfully processed. Klarna nevertheless collected the entire payment plan. I am requesting that Klarna determine what happened to the merchant refund and explain why payments continued despite the merchant 's refund confirmation. I am requesting : 1. A complete manual investigation. 2. Direct communication between Klarna and XXXX. 3. Written confirmation of whether Klarna received, rejected, or processed the merchant refund. 4. Reimbursement of any amounts improperly collected. 5. A detailed written explanation of the findings. XXXX confirmation number : XXXX Klarna order reference : XXXX

Company response to consumer: Closed with explanation