vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit union accepted a deposit into a closed account instead of sending the funds back to the sender. They then transferred the funds into a savings account, and applied the funds to a charged off credit card. Upon speaking to multiple agents and representatives I was never informed of an in house collection for the charged off credit credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have american express card ending in XXXX. Even when I have XXXX balance. In fact Amex owe me money {$9.00}- they are trying to take out money from my sofi bank account. 
Please see this message : Your last payment of {$30.00} was returned on Mon XX/XX/year> and could not be processed. Please contact your bank or account manager to ensure your payment goes through. If you have received confirmation of payment, please disregard. 

When i try to contact them - there is endless wait to chat with customer service - everything is outsourced to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 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: Klarna AB
State: IL

Complaint narrative:
Scammed by seller on XXXX mail fraud seller stop replying after he received package bogus tracking number package never left XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
BMO did not pay an opening account bonus for qualifying direct deposits that were made.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
On XXXX XXXXXXXX XXXX XXXX wrongfully overcharged me XXXX dollars. I called them, they told me to dispute the charge with cashapp so I did the following day XXXX. Then on XXXX my account was closed because of fraudulent activity. This is not true, obviously. XXXX XXXX XXXX agreed to refund me the overcharged {$280.00} dollars, until Cashapp denied the refund. I showed cashapp support all the evidence, the emails between me & XXXX XXXX XXXX and they decided I was fraudulent anyway and would not be restoring my account or giving me my {$280.00}. Now I am out of my jobs paycheck, out of {$280.00} and out of a bank account at all. I am in a financial ruin. I have no money or way to pay for anything, cashapp will not listen to me, their support is rude and nasty. My XXXX and XXXX are at an all time high and I am a stand still. I need help. I need my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I used my credit card to make a payment on another credit account. When my payment showed up on capital one it was filed as 2 transactions ( {$30.00} payment and a {$1.00} card fee ). Capital one filed these as a cash advance and charged 2 {$5.00} fees. I asked them to waiver at least one fee since I was unaware this would happen. I had only known a cash advance as going to an atm. The company refused to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
FORMAL ADMINISTRATIVE COMPLAINT : WILLFUL NON-COMPLIANCE ( MULTIPLE ACCOUNTS ) I. PRELIMINARY STATEMENT This complaint is filed against Spring Oaks Capital , LLC for egregious and systemic violations of the FCRA and FDCPA across two separate accounts : Account A XXXX ( {$1600.00} ) and Account B XXXX ( {$3100.00} ). 
II. STATEMENT OF FACTS On XX/XX/year> Complainant served XXXX XXXX Department with a " Formal Notice of Intent to Litigate '' via Certified Mail ( Receipt # XXXX, Received XX/XX/year> ) disputing both aforementioned accounts. 
Despite the mandatory duty to conduct a " reasonable investigation '' under 15 U.S.C. 1681s-2 ( b ), Respondent failed to provide the requested " Original Media '' or " Assignment Schedule '' for either account.

In a blatant display of " reckless disregard '' for 15 U.S.C. 1692g ( b ), Respondent ignored the validation stay and instead issued a unified settlement offer. This constitutes an illegal continuation of collection activity on multiple unverified, disputed debts.

III. PROTECTED CONSUMER STATUS Complainant is a recipient of Social Security Disability ( SSD ). Respondents strategy of leveraging inaccurate credit reporting to coerce payments from a XXXX consumerwhile failing to provide legally required proof of debtconstitutes severe consumer injury. 
IV. PRAYER FOR RELIEF Complainant demands the immediate and permanent deletion of both tradelines. Failure to resolve this will result in litigation for statutory damages on each individual violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
On XX/XX/2021, I issued a check through my Robinhood brokerage account in the amount of {$4700.00} payable to XXXX XXXX XXXX XXXX XXXX to pay off my auto loan in full. The funds were deducted from my Robinhood investment account.

Robinhood later confirmed in writing that the check was endorsed twice and that the first endorsement was successfully deposited by XXXX XXXX XXXXXXXX on XX/XX/2021. XXXX further stated that a second endorsement attempt by XXXX XXXX XXXX XXXX XXXX was returned unpaid. 

XXXX XXXX XXXX XXXX XXXX advised me that they never successfully received the funds. As a result, I was required to pay off the loan separately to avoid additional interest and penalties. 

Despite being notified that the intended payee did not receive the funds, Robinhood did not re-credit my account and did not provide a complete investigation or accounting of where the funds were ultimately deposited. 

To date : The {$4700.00} was deducted from my brokerage account. 
The named payee did not receive the funds. 
The check was negotiated through XXXX XXXX XXXXXXXX. 
I paid the loan obligation separately. 
Robinhood has not restored the funds or provided a clear resolution.

My complaint is not simply that a check was returned. My complaint is that after being placed on notice that the intended payee did not receive the funds, Robinhood failed to conduct and provide a complete investigation and failed to re-credit my account despite clear evidence that the payment did not reach its intended destination. 

I am requesting regulatory assistance to require a full investigation, a complete accounting of the negotiation of the instrument, and reimbursement of {$4700.00} if the funds were not properly delivered to the named payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CA

Complaint narrative:
During this process for the loan through a third party app, XXXX, I came across this loan and applied. Ive taken out loans before and the final process is me signing a loan agreement for me to see the interest rates and what I was expecting to pay. I followed the steps and was approved for the loan to later find out that the interest rates were 550 %. This should be a primary thing to state to someone who is about to accept a loan and yet was misconstrued to only say after you received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I had my phone number changed. Now I can not access my Credit Karma account. I have a passport for identification purposes and Credit Karma refuses to accept a US passport. My tax refund was sent to a Credit Karma money account that I can not access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
Debt collector failed to validate debt under FDCPA I am filing this complaint regarding a debt collection company that contacted me about an alleged debt. I timely requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my request, the company has failed to provide adequate verification of the debt. Instead of properly validating the debt, they have continued collection efforts. This appears to be a violation of 15 U.S.C. 1692g I am requesting that the company : 1. Provide proper written validation of the alleged debt ; or 2. Cease all collection efforts and remove any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I sent {$1200.00} via XXXX from my Golden 1 Credit Union checking account to an individual who represented that they were selling automotive parts. The payment was sent in good faith based on representations made by the recipient. ( Tracking numbers, Pictures, Fake Websites ) After the funds were sent, it became clear that the transaction was fraudulent so I contacted Golden1 within an hour of payment. The seller failed to provide the promised goods and began requesting additional payments. I immediately contacted Golden 1 to report the fraud and request assistance, including a recall of the XXXX transfer and coordination with the receiving bank ( XXXX ). 

Golden 1 informed me that recovery of XXXX payments is difficult and has not provided clear written documentation confirming whether a formal recall request was sent to the receiving institution or what specific steps were taken to attempt recovery of the funds. 

After reporting the fraud, the individual sent additional messages claiming that their spouses bank account ( XXXX ) had been locked due to the transfer and requested that I send an additional {$250.00} to resolve the issue. This is a known scam tactic involving false claims of frozen funds to induce further payment. I did not send any additional money. These communications further confirm the fraudulent nature of the transaction. 

I have requested updates and documentation regarding the fraud investigation and the actions taken, but I have not received meaningful written confirmation detailing the efforts made to recover the {$1200.00}. Also something that came up was that when speaking to a Golden1 representative they said that I could submit evidence but they most likely wouldnt take the time to review it since it is a XXXX case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I logged into my personal Bank of America account and was forced to perform a password reset. Immediately after logging in, my account interface had been unilaterally converted from a personal account to a " Business Advantage XXXX '' interface. 

Most alarmingly, my profile was updated without my consent to include an internal Bank of America corporate email address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as the primary contact for my account alerts. This indicates a severe data integrity failure where my private financial profile was merged or overwritten with internal employee or test data. 

I have contacted Bank of America multiple times via phone and sent formal emails to their security and privacy offices. To date, they have failed to provide a root cause analysis, an investigation into whether my data was exposed to the unauthorized internal user, or a permanent fix to decouple my PII from this business/corporate profile.

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 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
XX/XX/XXXX I called credit acceptance about my car loan I have through credit acceptance and I asked could I refinance my loan to lower my car payment they told me no I said could I get out of this car loan by trading the car in they told me no just sale the car what I owed them then said or to give them back a car I been paying on every XXXX weeks for the past 5 years its a XXXX XXXXXXXX XXXX I had multiple problems with this car had to do lots of work on the car the loan place charged me XXXX it had already XXXX miles on the car I traded a nice car everything got fixed on the XXXX XXXXXXXX XXXX  I traded for the XXXX XXXX XXXX I had to pay off the full amount owed for my XXXX XXXX XXXX  to even get the XXXX XXXX XXXX if I go now to try trade the XXXX XXXX XXXX the credit acceptance denied me for a trade in on a lower miles car lower payments I still owe XXXX on the XXXX XXXXXXXX XXXX I offered credit acceptance XXXX XXXX for my car to pay it off so I can go trade it in for a better car they said no please help 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 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I sent an email with intent to move out at the end of my lease. My lease end date was XX/XX/year>. I received written correspondence that my move out date would be XX/XX/year> from the rental company. 

Several months later, I received a bill stating that I had moved out XX/XX/year> and I immediately called them to tell them that I had moved out before then and even confirmed with them about my move out date but they disagreed and their argument was that I didn't provide enough notice when moving out but they accepted my intent to move out and confirmed the date which I acted upon in good faith. They then penalized me for following the instructions that they provided. 

I also talked to them in person before our lease was up to confirm that there wasn't anything else I needed to do or if I owed anything, but it was in person so I don't know how to prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I pay on my accounts every month, sometimes twice when possible. Of my XXXX accounts with this credit card company, I always have issues when it comes to paying on the XXXX card. The company will not open my available balance unless I call my bank and confirm that I have the funds. This is an embarrassing process especially since I have never had a returned payment. From calls it seems like an XXXX system flags my account and discriminates. They are also trying to sell additional services while discriminating. See the attached language from an email : Get your funds sooner by connecting your bank account ( redacted ) This may be due to changes in what you normally spend, a newly added bank account or a previously returned payment. 

You can sign in to your Capital One account using the link below to confirm your payment sooner, if youd like. We use XXXX, a XXXX company While your payment is on hold, weve still applied your payment toward your account balance and any minimum payment due, even though your payment hasnt restored available credit to spend. You still may be able to spend on your card during this time, but we recommend checking to see if you have enough available credit first to avoid having your card declined.

Our best suggestion to prevent a hold on your next payment is to make payments on timeusing the same bank accounttaking care to ensure that your bank account has enough money to cover the payment.

Dont want to connect your bank account? No worriesyou can always call the number on the back of your card to manually confirm your payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Made XXXX payments to balance not applied to principal no interest credit card took money as interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I'm disputing the accuracy and legality of a collection account that has been reported on my credit report by Jefferson Capital Systems. The account is being reported inaccurately, and I have not been provided proper documentation or evidence of the debts validity. 

Dates : Date the account was reported : XXXX  XXXX, 2026 Date of last activity : [ If you know the exact date of last payment or activity, insert it here. If you don't, you can leave it blank Date you made the last payment : If you made a payment, insert the date. If not, leave it blank Amount : Reported balance : {$2400.00} Original debt : [ If you know what the original debt was from, mention it here. If you're unsure, you can leave it out. ] Actions Taken : I attempted to resolve the issue by contacting Jefferson Capital Systems, and requested proof of the debt, but I have not received any documentation I have not received the requested proof of debt, including any itemized billing statements or documentation that shows I am legally responsible for this debt. Furthermore, the debt has not been verified in a manner that satisfies the legal requirements outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
For the last two days, XXXX  XXXX, XXXX  and XX/XX/year>, I have been trying to register for an overseas conference in France. I am trying to pay XXXX Euros or the equivalent in dollars. They have declined this purchase every time I have tried to make it although each time I have let them know through texts and email that it is I who is trying to make the purchase. They then say to go ahead and try to make the purchase. But they continue to decline it.?? Because of this I am in jeopardy of losing my hotel and flight reservations. This is very upsetting. Every time I call there about this, they say all is fine and tell me to try again. But each time the transaction is declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Despite my improved payment behavior and efforts to remain in good standing, the late payments continue to be reported and are significantly impacting my credit profile. I have taken steps to rebuild my credit, including maintaining positive payment history and improving my overall financial responsibility. 

I am not disputing the account itself or claiming fraud. Instead, I am requesting consideration for a goodwill adjustment due to my demonstrated improvement and current positive standing. I am seeking an update to how this account is reported so that it more accurately reflects my current financial behavior and progress. 


Santander even paid me three times through visa debit due to me over paying.

Company response to consumer: Closed with non-monetary relief