vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Good Afternoon, To whom this may concern the debt collector is selling my debit to a third party collection agency. I never signed any documents for NCB Loan company to sell my information to a third party. Also they have the wrong information in the system they are saying I am military. XXXX XXXX XXXX is the third party. Can you please advise. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened a target credit card in XX/XX/year>. On XX/XX/year> after trying numerous times to fix the online account I called once again to submit a payment over the phone with the representative. I received confirmation that the payment was received. I called in XXXX and they notified me that the account was not paid in XXXX and I immediately paid it. I was marked for missing a payment but I explained the situation to the representative and she confirmed they will work to remove the late fee. Ive called numerous times after the first attempt to resolve the late derogatory mark on my credit report and receive confirmation but it has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
In XX/XX/year>, an unauthorized transfer of {$830.00} was sent from my Navy Federal checking account to an individual named XXXX XXXX. I did not authorize this transfer, did not participate in it, and did not give anyone permission to access my account. This transfer occurred during a period when my identity was being used without my knowledge. Around the same time, several unexpected credits appeared in my account from fraud claims that I did not file. I later learned these were provisional credits. Because I did not understand why the credits appeared and was worried about my own legitimate funds being reversed or taken, I withdrew {$1000.00} on the same day to protect my actual balance. Once Navy Federal moved that {$1000.00} onto a credit card that had been opened in my name without my authorization, I immediately paid the {$1000.00} back in full. Navy Federal locked my cards and opened fraud claims, but they later suggested that I participated in the activity because I withdrew the {$1000.00}. I have explained that I withdrew the money only out of confusion and concern for my real funds, and that I repaid it as soon as it posted to the unauthorized credit card. I did not authorize the {$830.00} transfer, the fraudulent credits, the claims filed in my name, or the credit card that was opened. I am requesting CFPB assistance because Navy Federal has not properly recognized this as identity theft and has not resolved the unauthorized {$830.00} transfer or the related fraud activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My loan # XXXX Not honoring loan payoff document created on XX/XX/year>. Evidence is in phone calls where service representatives admit PennyMac did not place payments correctly in monthly payments instead of payoff to principal. They are not doing their due diligence in fixing their problems. They instead are doing absolutely nothing and strong arming consumers into paying what they want regardless if their computations are wrong. I recommend consumers not ever utilize PennyMac willingly. Unfortunately they bought my loan and I never had a say. Evidence will be uploaded that I paid every statement early.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I've contacted Affirm because I keep getting an email stating that there was a suspicious activity. I checked on my affirm account that there was a charged that were not related to my name. XXXX and XXXX XXXX XXXX. Per their email, this XXXX charged were voided, and they are still listed it that I owe this. I did not make any rental, as I don't even drive, this were not related to my name. So does the XXXX charged. Affirm refused to clear this and I keep getting email about past due. This is a scam. As you can see on these attachment, the names were not mine. I didn't do any of these purchases. Afrim promised that the XXXX will get voided too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
Yes about a dispute with time for about my {$76.00} being taken out of my account without my consent they denied my dispute and they are not doing anything to get my money back they would not rebound my dispute they wouldn't even investigate they just took it upon themselves to just deny my claim without any brother investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The account seems to be reported numerous of times with identical details

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I provided a signed end of lease document dated XX/XX/year>2022 by the property that shows I owe nothing to the property. The collection agency sent a ledger saying I owe charges prior to XX/XX/year>2022 despite seeing this contract showing XXXX balance. I went in person to RPM and we spoke with the collection agency ( Synergetic communication ) on the phone yesterday and they said to Syncom collections that I do not owe the debt. The agent ( Juels /Jules/ XXXX XXXX spoke with the RPM XXXX XXXX XXXX and XXXX said XXXX XXXX XXXX " Please remove this debt from her report, we actually owe XXXX XXXX money and she does not owe us '' and he still refused. The let out contract says all charges prior to XXXX/2022 are forgiven. The ledger the agency is using to validate the debt with the CRAs is for charges prior to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am requesting full verification of the alleged debt referenced in your recent notice, including the original creditors information, the claimed balance, documentation showing my obligation for the debt, and proof of your authority to collect it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is effecting my mental health and now has caused me to seek a therapist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: VA

Complaint narrative:
I am disputing inaccurate and potentially duplicate reporting related to XXXX XXXX / XXXX and PLAZA SERVICES. The original creditor and third-party collection agency appear to be simultaneously reporting derogatory collection information related to the same alleged obligation. The reporting contains inconsistent balances, dates, transfer history, and collection status information. I requested proper verification pursuant to the Fair Credit Reporting Act, including : * complete method of verification * proof of assignment * signed agreement * accurate accounting records * date of first delinquency I believe the reporting may be inaccurate, misleading, incomplete, and not fully compliant with FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited {$900.00} cash into the Huntington Banks ATM attached to the branch located at XXXX XXXX XXXX. XXXX, OH XXXX. The ATM kept the cash in the machine but did not deposit the {$900.00} into my account. The picture I took of the ATM screen from XXXXXXXXam on XX/XX/year>2026 reads : Your cash was not taken in time. To protect your accounts, I have pulled your money back in. Contact your financial institution. I then went inside that branch and two tellers aided each other in filing a dispute. They failed to provide their address on this dispute, and as such, this is now the issue. The Huntington representatives I have spoken to over the past 2 days have told me it will take up to ten business days to resolve this matter. The tellers inside the XXXX branch told me XXXX days. I requested a provisional credit. One representative told me that she was able to issue it on XXXX/2026XX/XX/year>. This credit did not post into my account. I escalated this matter on XX/XX/scrub>XXXX/2026 to XXXX at the Huntington call center in Minnesota. He said he will try to escalate this but that I must accept that it will take up to ten business days. I asked to speak to his supervisor, XXXX, and he sent me to her voice mail. I made it clear that I am enduring financial hardship as a single mom of XXXX, and that this cash was to pay for our rent, our utilities, and for groceries. This was of no concern to XXXX or Huntington, whom he represents. I asked when this ATM was last balanced, as it would show the cash deposit discrepancy. I was not provided with this information. Their resolution was to tell me it would take up to 10 business days. My rent is due on XXXX/2026. I do not have the funds to pay my rent without this cash that I deposited being available in my account or otherwise, and may be served an eviction notice due to the irresponsible documentation of my dispute and the handling of this matter. When I mentioned the CFPB to XXXX, he refused to answer any questions going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was deceived by a fraudulent seller on XXXX XXXX into sending {$140.00} via XXXX for an item that was never delivered. This was a scam. I filed a fraud claim with Capital One, who denied it. Capital One failed to properly investigate this fraudulent transaction and refused to reimburse me. I am requesting that Capital One reverse this transaction and reimburse the {$140.00} lost to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Service transfer effective with XX/XX/XXXX payment. I sent payment to the new company/servicer : Valon Mortgage at their XXXX XXXX XXXXXX/XX/XXXX. Approximately mid XXXX, I received a default call from Valon. They did locate my payment received in early XXXX but did not post the payment. Excuse was the amount did not match the monthly payment. ( I round UP my payments and should not have impacted posting since the account details were included ). The rep assured me the payment would be posted immediately and be effective date posted for day of receipt. I called yesterday after receiving my XX/XX/XXXX payment statement and was not surprised to see the payment not posted as the statement date was XX/XX/XXXX. I called to confirm posting and was advised the posting occurred XX/XX/XXXX and was not effective dated to day of receipt. I spent many many minutes on repeated holds while reps attempted to find an answer. As no one could do so, I requested escalation to manager. I was told no manager was available. I advised I want a call back before end of day 's business and if not done, a call first thing in the morning, Neither has occurred. The late posting ( while not impacting credit ), does impact the interest and principal amounts, leaving a larger than accurate principal balance, increasing their daily balance to draw interest. This constitutes theft and must be addressed as soon as possible. The agent ID # of the last person I spoke with is # XXXX. The manager 's name who failed to call is XXXX XXXX XXXX sp ). Your time and attention is most appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We applied for a line of credit with XXXX XXXX through Synchrony Bank and was given a credit limit of {$1000.00} for use at the Emergency XXXX clinic. We were experiencing a life-threatening emergency and half of the amount was used that same evening of approval. When our XXXX was being admitted for XXXX the very next day, the remaining amount mysteriously became unavailable for use, and we were counting on using that amount coupled with some of our own funds for the admittance. The clinic wasn't asking for any more than what was already pre-approved and available ( {$500.00} ). The amount of time spent with the finance coordinator at the animal hospital going through extra, unnecessary verifications was astounding and embarrassing with her commenting she had experienced this before. I wasn't given a reason for the stop on the card as it had been established there was no fraud alert. Though Synchrony tried to say the merchant didn't accept XXXX XXXX the merchant is in partnership for there were signs all over the clinic floor accepting XXXX XXXX as payment and the clinic has access to their system to confirm credit limits and available funds. There we were trying to get our pet the XXXX she so desperately needed and the pre-approved funds were all of a sudden made inaccessible with no explanation whatsoever. This caused severe stress as we weren't certain whether or not she could be admitted and the alternative was absolutely heartbreaking.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist Bank introduced the XXXXTruist XXXX Checking ' account, which features {$0.00} overdraft fees. However, Truist failed to clearly notify me that my older legacy account would not be automatically transitioned or that I needed to manually switch to avoid heavy penalties. As a result, I have been continuously charged multiple {$36.00} overdraft fees for transactions that would have cost {$0.00} on the current account structure. This is an unfair fee practice due to a lack of clear disclosure. I contacted a supervisor on XXXX XXXX, 2026, who escalated the issue to the XXXX XXXX XXXX ( Case # XXXX ) However, because the bank has held onto my funds due to their own communication breakdown, I am filing this formal complaint to request a full retroactive refund of all overdraft fees charged on this legacy account.

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 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX : Portfolio Recovery Date Opened/Reported : XX/XX/XXXX To Whom It May Concern : I am seeking a fair and mutually agreeable resolution regarding the above-referenced account currently being reported by Portfolio Recovery. Because I dispute the accuracy, validity, and reporting of this account, I request the following resolution terms : ACCOUNT DELETION Portfolio Recovery agrees to request deletion of this account from all consumer reporting agencies, including XXXX XXXX XXXX XXXX, within 15 days of resolution. XXXX XXXX Portfolio Recovery agrees to : Cease all collection calls, letters, emails, and text messages ; Stop reporting monthly collection activity ; and Mark the account as resolved and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: AL

Complaint narrative:
Im writing to file a complaint against TRUEACCORD C for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am the primary cardholder for Chase credit card ending XXXX. Chase has denied my dispute for charges to XXXX XXXX XXXX totaling {$1000.00}. The merchant is completely shut down and unreachable. Chase 's denial cites the XXXX time limit under the Fair Credit Billing Act. However, under the " discovery rule '' recognized by many courts and bank policies, the XXXX clock should start when the consumer discovers the problem not when the charge posted. I discovered the problem when the business shut down recently. Before that, the business was still operating, and I had no reason to dispute. I am requesting that the CFPB investigate whether Chase is properly applying the XXXX 's time limits in cases of complete merchant closure. Other banks make exceptions in these situations. Chase should as well. Please require Chase to refund the full {$1000.00}. - XX/XX/year> : {$590.00} - XX/XX/year> : {$250.00} - XX/XX/year> : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I closed my Wells Fargo checking and savings accounts approximately two months ago. Wells Fargo failed to send me the remaining balance owed from my saving account, which is {$1900.00}, and did not clearly communicate the status of the funds. I have spent multiple hours calling customer service and was recently told I must go to a branch location to receive my money. When I went to the branch, they refused to assist me without an appointment. Yesterday, when I called, I was told Wells Fargo did not owe me any money, and I getting charged {$36.00} on my credit cardthat has been cloces for more hat 2 months. The delay in releasing my funds has caused financial harm, including late fees and interest charges on my Wells Fargo credit card. I

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