vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I was fraudulently induced to send {$90.00} via XXXX to an individual claiming to be XXXX XXXX XXXX XXXX for a service that was never delivered. Navy Federal denied my dispute ( Confirmation # XXXX ) on XX/XX/year>, stating they only assist if the 'intended person did not receive the funds. ' My evidence shows a clear 'intended person ' mismatch : I intended to pay XXXX XXXX XXXX XXXX XXXX but the funds were deposited to a XXXX XXXX. ' Navy Federal 's system failed to flag this mismatch or provide meaningful intervention. Furthermore, the bank has failed to investigate this as a Regulation E billing error despite clear proof of fraudulent intent and the recipient ghosting me immediately after payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Urgent Complaint : Denial of Access to Funds due to XXXX Misidentification XXXX Statement of Facts : My XXXX savings account was abruptly closed by the bank on XX/XX/year>. This closure stemmed from a flawed internal verification process where XXXX XXXX insisted on a Social Security Number ( SSN ), despite the fact that I legally opened this account using my Individual Taxpayer Identification Number ( ITIN ). Since the closure over XXXX weeks ago, I have contacted XXXX customer service dozens of times. Each time, I was met with evasive responses, claiming the " XXXX XXXX '' was still reviewing the case. It was only recently that XXXX stipulated that a physical " Affidavit of Identity '' must be notarized and mailed before any funds would be released. Points of Dispute : Source of Funds : All funds in this account were originally transferred from XXXX XXXX XXXX XXXX account via XXXX. Since the XXXX account is now closed, the most secure and logical method to return these funds is an XXXX XXXX to the original source. XXXX XXXX : XXXX a customer 's entire balance for oveXXXX XXXX days after a bank-initiated closureespecially one caused by the bank 's own inability to distinguish between XXXX and XXXX an unfair and deceptive practice. Compliance : I have fulfilled the bank 's latest demand by completing a notarized Affidavit of Identity in XXXX, XXXX ( dated XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> FIRST NATIONAL COLLECTION BUREAU, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Subject : Dispute and Request for Validation of Alleged Debt REF # XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account and have no knowledge of any such obligation. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or charges Documentation bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt. Until you provide proper validation, you must cease all collection activities and reporting of this account to any credit reporting agencies. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist from any further communication with me regarding this matter except as allowed by law. If you are unable to provide the requested validation, I demand that this account be immediately removed from my credit file and that you cease all collection efforts. Please send all correspondence in writing to the address listed above. Do not contact me by phone. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I am filing a complaint regarding my Fortiva credit card account. I believe the terms and structure of this account are predatory. I have a credit limit of approximately {$2000.00} and a current balance of about {$560.00}. Based on the payment terms, it will take approximately 23 months to pay off this balance, and I would end up paying around {$760.00} total. This means I would pay over {$200.00} more than my current balance due to interest and fees. Despite making payments, a significant portion of my payments is applied toward interest rather than reducing the principal balance, which makes it difficult to make meaningful progress on the account. Based on my income, this structure creates a financial burden and contributes to a cycle of debt. I pay approximately {$2000.00} per month in living expenses, and the current terms make it difficult to manage this account responsibly. I do not believe the full impact of the interest rate and total repayment amount were clearly explained at the time the account was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I I had to check for {$4500.00}. The check was good. I did a mobile deposit the check went through. I got emails on everything. I got all my emails still the email said that the accounts gon na be on hold until the check goes through to check went through and they and the employees were telling me my account was closed. Theyre closing my account over. Theyre not supposed to tell me that supervisor told me that and that thats what they keep telling me but the thing is that I have money on it my appointment was and they wont let me get it out. You cant you wont let me get my own money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On or about XXXX, I filed my joint federal tax return through XXXX XXXX Credit Karma and accepted the faster refund option. On or about XXXX, my approximately {$16000.00} tax refund was deposited into a Credit Karma savings account opened solely in my name as was marketed to my sole Credit KarmaXXXX XXXX XXXX XXXX XXXX account. Due to a medical emergency and urgent unpaid bills, I immediately contacted Credit Karma XXXX XXXX XXXX XXXX customer service on XXXX and requested to close the savings account so the full funds could be sent to my personal checking account. The representative confirmed this was possible, verified my checking account details, and stated the funds would be transferred within 23 business days. I received a confirmation email from them stating the account was closed and the refund would be sent to my checking account. A few days later, on XXXX, I received a second email stating the account had been locked. When I called, multiple representatives ( including supervisors ) admitted that there was a mistake on their part. They said after I made the request to close the account and receive my funds, my account was locked because my wifes name appears on the joint tax return but not on the savings account. They confirmed they had already returned the full {$16000.00} to the IRS. After receiving a call from the supervisor days later, she said their only recourse is requesting a retraction on the funds, but it was too late for that. This error has caused severe financial and emotional hardship for my family. I have been unable to pay critical medical bills, credit card bills and other essential expenses, and the delay in accessing my own tax refund has created significant stress and additional costs.I am requesting that Credit Karma XXXX XXXX XXXX XXXX immediately : Issue a direct payment to me for the full {$16000.00} refund ( bypassing further IRS delay ), and Pay an additional {$6000.00} in compensation for the documented hardship their mistake caused. I have all supporting documentation, including the confirmation email and screenshots of call dates and the name of the supervisor I spoke with ( XXXX XXXX, all email correspondence. Please investigate and resolve this urgently. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am submitting this complaint against PNC Bank regarding a fraudulent account that was opened without my knowledge or authorization as a result of identity theft. The account I am disputing is : PNC Bank Account # : XXXX I did not open this account, authorize its opening, use it, benefit from it, or authorize any transactions, deposits, withdrawals, overdrafts, returned items, or negative activity associated with it. This account is fraudulent and does not belong to me. Any balance, closure, loss, abuse status, or reporting tied to this account is inaccurate and the result of identity theft. This fraudulent account has caused harm to me and may have been reported to consumer reporting agencies and banking screening agencies, including XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that PNC Bank conduct a full fraud investigation and correct this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Transunion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I stated I do not wish to discuss this by phone. I am requesting debt validation in writing. Please send it to me. Do not call this number again. 5 different occasions. I am requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. Please provide : The name of the original creditor The original account number The amount owed with an itemized breakdown A copy of the original signed agreement Proof that your agency is authorized to collect. I've also asked for there name and address and was refused, and they got nasty and told my a judgment was issued against me. XXXX XXXX with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint against synchrony bank and account manager XXXX who hung up on me rudly. Is this how your employees treat customers. this is ridiculous. This is unacceptable. If youre gon na continue with this behavior, your company should not be in business. I found this fraudulent. When I apply for the credit card, I had issues getting the credit card because of your system and I was promised that as a courtesy the 180 for the transfer fee will be waived and it has not been adjusted. Im requesting for your company to fix this issue as soon as possible please Explain the situation to your manager XXXX and she completely was rude about it, and she hung up on me in a very rude way. I am not used to getting this treatment from any company and if I notice it continues complaints will be adding up.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have been given multiple, completely contradictory instructions about how to make principalonly payments on my loan. - First, I was told that if I included extra money within my regular monthly payment, the extra amount would automatically be applied to principal. - Then I was told I had to make a separate payment after the regular payment for it to count toward principal. - After that, I was told it had to be done on the same day which also turned out to be untrue. - Even when I called in payments and specifically requested they be applied to principal, I was told they would be. That was false as well. Now Im being told the only way to make a principalonly payment is to print out a form and mail in a physical check. Every version of how to make a principal payment that theyve given me has been inconsistent, misleading, or outright false. Because of their actions, my balance has been manipulated. This month, without the principal payments I attempted to make, my remaining balance should have been around {$10000.00}. Instead, it now shows over {$12000.00} because they reversed payments all the way back to XX/XX/year>. I am missing around {$3200.00} in principal payments. Their behavior has caused financial harm, potential late fees, and appears retaliatory. I have multiple complaints against this company, and this pattern of misinformation and payment manipulation is unacceptable.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am filing a complaint against Concora Credit regarding my Destiny Mastercard account. I believe the terms and structure of this account are predatory. I have a credit account and am required to make minimum payments of {$40.00} per month. However, I am being charged a {$9.00} monthly fee along with approximately {$10.00} to {$11.00} in interest each billing cycle. As a result, a significant portion of my payment is applied toward fees and interest rather than reducing the principal balance. For example, in a recent billing cycle I was charged a {$9.00} monthly fee and {$10.00} in interest while making a {$40.00} payment, which results in little to no meaningful reduction of my balance. Based on my income, this structure creates a financial burden and contributes to a cycle of debt. I pay approximately {$2000.00} per month in living expenses, and the current terms make it difficult to manage this account responsibly. I do not believe the full impact of the interest rate, fee 's and total repayment amount were clearly explained at the time the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( MCM ), also known as Credit Management Company ( CMC ), regarding violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I sent a formal cease and desist letter to XXXX XXXX XXXX instructing them to stop all communication with me regarding any alleged debt. This request was made in writing and should have been honored under federal law. Despite this, I have continued to receive collection calls. Most recently, on XX/XX/XXXX, I received a call from Credit Management Company ( CMC ), which I believe is affiliated with or operating under the same corporate group as XXXX XXXX XXXX. This is a direct violation of my cease and desist request. Under the FDCPA, once a consumer sends a written request to cease communication, a debt collector must stop contacting them except under very limited circumstances. The continued contact from what appears to be the same company operating under a different name raises serious concerns about deceptive and abusive collection practices. This behavior appears to be an attempt to bypass my legal request by using a different company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have an old TD Bank gift card with a remaining balance of {$25.00}. The card is declined both online and in store. I can access the automated phone system and confirm the balance, but every time I request a representative the call disconnects. I need assistance accessing the remaining funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts/ Identity Theft To Whom It May Concern, I am writing to formally dispute fraudulent banking information being reported under my name in my Early Warning Services consumer file . I did not open, authorize, or use the accounts listed below, and I am requesting an immediate investigation and deletion of all fraudulent information associated with my identity. The following accounts are being disputed as fraudulent and unauthorized : - XXXX Bank Account # : XXXX / Reported Fraud Contribution - XXXX Bank Account # : XXXX - XXXX Bank Account # : XXXX - XXXX XXXX XXXX Bank Account # : XXXX - XXXX XXXX XXXX Bank Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX Account # : XXXX These accounts were not opened by me, and I did not authorize any transactions, overdrafts, returned items, fraud activity, or negative account conduct associated with them. I am requesting the following under my rights as a consumer : 1. A full reinvestigation of all disputed accounts 2. Immediate deletion of all fraudulent and inaccurate information 3. Blocking of any identity theft-related records from future reporting 4. Written confirmation once the disputed records have been removed This letter serves as my formal identity theft dispute. Any negative banking history associated with the accounts listed above is inaccurate and must be removed from my consumer file immediately. Please complete your investigation and send me the results in writing. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ARBOR MORTGAGE
State: NV

Complaint narrative:
Regarding running a hard inquiry no my credit file with out my consent / permission / authorization on XX/XX/year>. XXXX XXXX XXXX XXXX phoneXXXX XXXX Email : XXXX He run hard inquiry with out informing due to racism attitude against other race. He admit To made mistake through his text message I will attached it.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XXXX I had 2 of my BOA credit cards charged for balance transfers to a XXXX card for the amounts of {$5000.00} and {$8000.00}. I did not do these balance transfers and started fraud claims on both cards. I didn't even have these cards in my possession they were still in the mail to me and haven't even been activated. See enclosed documents from BOA to verify this.I have asked twice now for documents supporting there claim these charges are valid and have got no answer. I can I do a balance transfer on XXXX when I didn't even have the cards and they weren't even activated yet They refuse to answer these questions

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding a delay in the release of my vehicle title after my auto loan with TD Bank was fully paid off. My loan was paid in full, and it has now been over 11 business days. However, TD Bank has not provided confirmation that the lien has been released or that the title has been sent to the California XXXX. I have contacted the bank to request this information, but I have not received a clear response or confirmation. This delay is causing inconvenience and concern, especially considering prior issues related to this vehicle financing. I am requesting that TD Bank immediately release the lien and confirm that the title has been sent to the California XXXX without further delay. Thank you.

Company response to consumer: Closed with explanation