vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: TX

Complaint narrative:
I am filing this complaint against Deer Creek Lending ( XXXX # XXXX ) regarding predatory lending practices, financial harassment, and a dispute over the total amount repaid. 
On XX/XX/year>, I took out a loan for {$870.00}. According to the written agreement, the lender is attempting to collect a total of {$4600.00}, which is a mathematically unconscionable 756.42 % APR. 
To date, I have already successfully repaid {$1100.00}. This means I have paid back 133.9 % of the original principal in less than XXXX months. I have satisfied the original {$870.00} debt in full, plus an additional {$290.00} in profit to the lender. 
Despite having overpaid the principal, the lender continues to demand bi-weekly payments of {$230.00}. I am currently struggling significantly with financial hardship, and is making it impossible for me to survive or meet basic expenses. 
I previously filed a complaint with the XXXX XXXX XXXX Case # XXXX ), but I was told they have no authority because this company hides behind 'tribal sovereignty ' to avoid state regulations and interest caps. I am reporting this to the CFPB because claiming tribal status is not a 'get out of jail free ' card to ignore federal consumer protection laws and trap people in debt.

I have officially revoked my ACH authorization and placed a stop-payment with my bank. I request that the CFPB investigate this predatory structure and force the lender to mark this account as 'Paid in Full ' and cease all collection efforts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Business Services, Inc.
State: WI

Complaint narrative:
APPLIED XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research APPLIED 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: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I tried to redeem my XXXXXXXX XXXX XXXX  ( cash value of {$850.00} once redeemed ) to my US Bank XXXX account, this failed several times ( " an unexpected error occured '' ) during XXXX and XXXX. On XX/XX/XXXX I emailed their support, and they requested some more info and screenshots, which I provided the same day. I checked in on XX/XX/XXXX and was told they were working on it. 

On XX/XX/XXXX I checked in again, and was told the next day that it was fixed. I tried again and got the same error as previously. I reported this on XX/XX/XXXX, and they acknowledged it XX/XX/XXXX. I checked in again on XX/XX/XXXX and requested escalation. On XX/XX/XXXX the representative XXXX  his manager, but no further action was taken ( as far as I can tell ). 

On XX/XX/XXXX ( the same day as this complaint ) I reached out again, asking who I can contact to get an actual resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Respectfully to whom it may concern, I did try to inquire with the bank as to why did my accounts get closed due to putting the bank at risk. When I questioned was it due to fraud claims, that was not on me or my kid 's linked under my account, or dispute charges that I needed money back that couldn't get resolved by the companies itself, so had to run to the bank to get my money back, I'm sure the dispute charges I've done wasn't that much, much more my kid 's linked under my account, far less the fraud claims. At least can inform us as to why the bank thinks I put bank of America at risk being the owner of the account, so therefore we won't go that route to have it repeat itself again in the future, will learn from our mistakes, life learned lesson. This is not what I would of ever wanted, not for me or my kid 's, having their first bank card, to ruin a relationship with a world wide bank. Bank of America. To not do business with us ever again, not now or in the future, much more my kid 's, deserve a second chance in life, not to be held or turned down, for something that was done in their teenage life to affect their adult life, when looking for loans, car or house, not fair to them. I want to know the reasons why. I have car insurance, car payments, bills, an rent that needs to be paid. Withholding my funds for so long, is bad on my behalf, of every business that I am doing business with. I did not cause this, by having fraud claims, dispute claims that was not intentionally on me, much more my kid 's, on their behalf. I would never bank with a bank just to have this done. Especially when trying to build a life, to make it better for my kid 's.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
There are fraudulent accounts reporting on my chexsystems disclosure that I have disputed and need deleted.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of an online financial scam involving XXXX, Cash App, and XXXX. I was contacted by an individual who promised I could receive a larger financial return if I followed specific instructions involving moving my money and completing transactions. 

During phone and XXXX calls, I was guided step-by-step and was led to believe I was not actually sending money to the individual, but only completing a process that would result in funds being deposited back into my account. Based on these false representations, I transferred a total of approximately {$1600.00} in XXXX to wallet addresses provided by the scammer. 

In addition, I was instructed to send approximately {$400.00} in XXXX payments to a phone number that I did not know or recognize. These payments were also never returned. But I filed that separately on a different note.

I never received any of the promised funds. I later learned from another individual on XXXX that this was a scam and immediately stopped communication. My Cash App account was later closed due to violations related to these transactions, although I did not understand at the time that I was being manipulated. Everything happened so fast and it was happening during finals week in college and the people who were constructing the bust were threatening me as well. It was so overwhelming!

I am submitting this complaint because I was misled and deceived into making these transactions under false pretenses and suffered significant financial loss. I am requesting that the involved companies investigate this matter as fraud and provide any available consumer protection or reimbursement assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Earnest Inc.
State: NY

Complaint narrative:
I am a XXXX XXXX  with two private student loans through Earnest. I requested XXXX and XXXX XXXX Deferment, which Earnest advertises as available for XXXX trainees. Earnest denied my request based on a restriction that was never disclosed to me at any point during the loan process. I was not the person who completed the loan application. My ex husband acted as the co signer and handled the application on his own. I was not involved in choosing repayment terms and I did not receive any disclosures at the time that explained the long-term consequences of the selections he made. The only documents I personally received were provided after the loans were already active. These include the Final Disclosure and the Loan Agreement with the Credit Agreement. None of these documents state that choosing full principal and interest payments while in school would permanently eliminate my eligibility for XXXX or XXXX XXXX Deferment.

The only place this restriction appears is on the separate XXXX XXXX XXXX XXXX  Deferment Request Form, which I did not receive until long after origination. This supplemental form is not part of the contractual documents that were provided to me and does not meet disclosure standards for a material restriction.

Earnest representatives told me repeatedly that the only way to access XXXX XXXX deferment is to refinance my loans. Steering a borrower into refinancing in order to receive a benefit that the lender advertises is not appropriate, especially for a XXXX XXXX with very limited income. 

The alternative relief options they offered are short-term and do not cover the duration of XXXX  and XXXX. I can not afford full principal and interest payments on a resident salary. I reasonably relied on Earnests public statements indicating that XXXX XXXX  deferment was available. 

I am requesting CFPB review of this nondisclosure and denial of XXXX XXXX deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There was a couple unauthorized transactions that happened on my account and Chase is siding with the merchant versus the customer in returning the funds to me. This situation has caused my account to go into the overdrawn and I have not been able to pay my bills successfully due to the money being taken out of my account and not being returned. This has affected me negatively and its very frustrating to have to deal with this when it was not my fault. I have XXXX XXXX XXXX  that I care for primarily and any attack against my finances will also affect them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
I received a pre-approval letter in the mail for a loan up to {$3000.00}, with funds available as soon as the next business day. I did attempt to take out the loan, knowing this wasnt an actual approval and could be denied. I was pleasantly surprised when I received a loan for approved {$1900.00}! It then said to connect my bank for ACH payments, so I would receive the {$1900.00} as soon as the next business day. It said do not close your window, or refresh. I did not, but after 10 minutes or more, it abruptly shut down. I called the customer service line as directed. I spoke first with XXXX. He told me I was approved for {$1900.00}, but not the entire loan, unfortunately. I asked for an explanation, as that simply makes no sense. He said refer to my denial email. I told him I havent received a denial email, and asked him to resend it. He said he did, but I still havent received it 30 minutes later. I called back for further clarification, and spoke with XXXX. He said the same thing as XXXX, and also said he would resend the denial email. I still havent received that one either. So I asked XXXX for his supervisor, of which he said, May I ask why you need to speak with my supervisor, as their answer will be the same as mine? I said simply put that neither XXXX nor XXXX had resent the email as requested, and could not explain why the loan was approved and denied at the same time. He transferred me after roughly 5 minutes to a supposed supervisor whom didnt provide a name, but could speak XXXX a bit more clearly than the first 2 associates. The supervisor told me the same as the first two, but added the denial was due to insufficient banking history. I can assure you there is definitely tons of banking history for a legitimate business. I told him I wanted the denial email sent again, making this 3 requests and 3 phone calls. He said he sent it, but I am yet to receive it either. I told him this was clearly fraud, and I would be reporting this to the XXXX XXXX XXXX and Federal Trade Commission. Have a great day and goodbye. I went to this page immediately following that statement. This company now has my full name, social, address, as well as additional information. They have my bank sign in information. Its now been approximately 45 minutes, and still no email. Please help me with advise to protect myself from this fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: IDAHO CENTRAL CREDIT UNION
State: WA

Complaint narrative:
I initiated an ACH transfer from my bank to my credit union, Idaho Central Credit Union. The transfer was made on XX/XX/year>. and some of the funds were made available at that time. On XX/XX/year> I checked my account and still had {$4000.00} being held from this transfer. I spoke with a representative from ICCU and they said they had updated their internal policy to hold these funds for 4 business days to ensure they clear. My understanding of regulation CC is that they are not allowed to hold ACH deposits for this amount of time. They did make the funds available for me that day, but I would like them to update their policies to be compliant with regulation CC so this does not create issues for me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

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 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Excessive ATM Fees ( Cash App/ XXXXXXXX XXXX XXXX XXXX ) Complainant : XXXX XXXX Location : California Date of Incident : XX/XX/26 Amount Withdrawn : {$20.00} Total Fees Charged : {$6.00} I used my Cash App debit card at a XXXX ATM to withdraw {$20.00}. I was charged a {$4.00} fee by XXXX and an additional {$2.00} fee by Cash AppXXXX XXXX  XXXX for a total of {$6.00} in fees.

This means over 30 % of my withdrawal was taken in fees simply to access my own money. This layered fee structurewhere both the ATM owner and the card issuer charge separate feescreates an excessive and disproportionate burden on consumers.

In reality, consumers often have limited access to in-network ATMs, especially when using XXXX  cards like Cash App. While these fees are technically disclosed, the combined effect is punitive and predatory in practice. I am filing this complaint to document what I believe is an unfair and exploitative
fee model involving both a major bank ( XXXX ) and a fintech platform ( Cash App/XXXX XXXX ) . I request that the institutions involved justify these charges and that regulators review whether such stacked fees are consistent with consumer protection standards.

This complaint is submitted for formal review and to establish a documented record of what I believe to be unfair and disproportionate fee practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have discovered collection accounts on my credit report from LVNV Funding LLC that I do not recognize and have never verified. I am demanding strict validation of this debt under the FDCPA. The reporting agency has failed to provide : 1 ) The original wet-ink contract bearing my signature, 2 ) The full chain of title showing assignment from the original creditor to the debt buyer, and 3 ) An itemized accounting of the balance including all fees. Continued reporting of this unverified debt is a violation of the FCRA and FDCPA. I demand deletion of these trade lines immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC offered promotion for relationship checking account opened fall of XXXX. Terms were to make XXXX $ direct deposit each month for 3 months to receive XXXX $ bonus. I did XXXX in consecutive monthly direct deposits from XXXX - XXXX and I completed the final direct deposit on XX/XX/XXXX, and the bonus terms say the bonus would be paid 8 weeks from last qualifying activity. This should have been paid XX/XX/XXXX and i contacted HSBC and they said they might not pay it for another 3 months. I don't trust them and was mislead. I want my bonus paid as it was promoted to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
first national collections bureau is trying to collect a debt that is XXXX or more years old. 
i have called and they will not stop.

You can pay approximately 60 % in 12 payments.

Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Debt Description : XXXX XXXX XXXX Original Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ref # : XXXX Total Due : {$7100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$570.00} for a XXXX XXXX XXXX XXXX XXXX XXXX purchased from Best Buy using my Best Buy Citi store credit card. XXXX marked the package as delivered at XXXX XXXX ; however, I never received the merchandise. 

XXXX provided photo proof of delivery, but the image clearly shows a different building lobby that does not match my residential building. My building lobby is visually different, and I have submitted documentation showing this discrepancy. No signature was obtained, and the package was not delivered to my address. 

I contacted XXXX, who stated that their records show the package as delivered and advised me to contact the shipper. I contacted Best Buy to report non-receipt of the item, but Best Buy refused to provide a refund or replacement. I then filed a billing dispute with Citi for non-receipt of merchandise and provided supporting documentation, including XXXX communications and photographic evidence. 

Despite this, Citi denied my dispute, stating that the merchandise was delivered, without addressing the incorrect delivery location or the lack of proof that the package was delivered to my residence. The charge remains on my account for merchandise I never received. 

I am requesting that Citi properly review the evidence of misdelivery, reverse the charge, and correct this billing error. I should not be held responsible for a charge related to merchandise that was never delivered to me.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing a complaint against Midland Credit Management , XXXX regarding an alleged XXXXXXXX XXXX  account they are reporting to the credit bureaus. Midland recently verified this account with XXXX, but the information they are reporting is inaccurate, incomplete, and inconsistent with federal law, including the CFPBs 2015 Consent Order against Midland and Encore Capital Group

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I made a supermarket purchase, the bank denied my purchase and sent a fraud alert text in which I stated yes It was me making the purchase. 

The banks system, still proceeded with restrictions my purchase and further more my funds. I contacted customer service who stated there was nothing he can do, but to wait. 

Im confused how Im restricted from my own funds for more than 24 hours. Also since the account is under restriction, they rejected my direct deposit when NY is under a state of emergency for a snow storm. How am I supposed to buy any emergency necessities when my funds are not accessible and no one has an answer??

Company response to consumer: Closed with explanation