vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding a serious fraud incident and the failure of my financial institution to comply with federal consumer protection laws. I was the victim of a work-from-home employment scam in which I was sent a check to deposit for the stated purpose of purchasing work equipment. After depositing the check, it was later returned as fraudulent. At the same time, my phone had been stolen, which resulted in unauthorized access to my XXXX account. Without my knowledge or consent, the following transactions were made : XX/XX/XXXX : {$4400.00} XX/XX/XXXX : {$540.00} These transactions were unauthorized electronic fund transfers. As a direct result of this fraud, my account now reflects a negative balance. I promptly notified my bank and reported the fraud ; however, the bank has refused to reimburse me and is attempting to hold me liable for these unauthorized transactions. My financial institution has failed to meet its obligations under federal law by : Failing to conduct a reasonable and timely investigation into unauthorized electronic fund transfers Failing to properly apply consumer protections that limit liability in cases of fraud Wrongfully placing the financial burden of fraudulent activity on me, the victim Additionally, XXXX failed to adequately safeguard my account against unauthorized access and transactions, raising serious concerns about their security and fraud prevention measures. If this matter is not resolved promptly and in compliance with federal law, I am prepared to escalate this issue to additional regulatory agencies and pursue all available remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I pay my card off once a year and I had an issue with my credit and I stated something was in dispute because it was incorrect and Citi closed my Best Buy card

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
All details of the complaint are in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones failure to properly investigate an unauthorized charge under the Fair Credit Billing Act. I authorized a {$45.00} transaction with a street vendor XXXX XXXX XXXXXXXX in XXXX XXXX XXXXXXXX using tap-to-pay. I did not authorize any tip or additional charges. Two days later, the finalized charge posted as {$100.00}. The additional {$55.00} was added without my knowledge or consent after the transaction was completed. I was not provided a receipt ( the vendor had me tap to pay to his phone. He did not have a payment machine with the ability to print a receipt ), nor was I given an opportunity to approve a tip. I have disputed this three times with Capital One, but they continue to treat this as a billing dispute rather than an unauthorized charge. The only evidence that have priced is a statement from the vendor saying I ordered more food items and did not want to run my card again so that I verbally agreed to pay by adding a tip. This is all a lie by the vendor. And the vendor provided capital one with a four XXXX receipt showing {$100.00} charge with no itemized receipt on what I ordered. Capital one keeps asking for my receipt despite me saying several times and providing a written signed and dated statement that the vendor could not provide me with one because he had me tap to pay to his phone. Capital one also wants me to contact the merchant yet there is no phone number for this merchant, again, he was a roaming food cart in XXXX XXXX XXXX and I live in XXXX. I have also opened a case with the city of XXXX XXXX XXXX and provided documentation and my case number on my open complaint against this vendor as further proof that this guy is a scammer I am requesting that Capital One comply with the Fair Credit Billing Act by removing the {$55.00} unauthorized portion of the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Points My credit limit is {$2500.00} I also have court cases against Wells Fargo. I only missed XXXX and XXXX 's payment of {$120.00}. I only pay {$64.00} per month. He is allowing assailants who have XXXX my mother to have stolen accounts here. They hacked her phone causing her to go into the hospital. XXXX XXXX XXXX and his relatives, XXXX XXXX XXXX, and XXXX XXXX XXXX caused the XXXX of my mother.They caused her to have a, XXXX, XXXX giving her, excessive, XXXX XXXX and he destroyed her XXXX XXXX with several XXXX. Is the Ceo related to these criminals? He is also allowing assailants, XXXX XXXX, who lives on XXXX XXXX, in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Police ), XXXX XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) and other assailants to have fraudulent accounts. These assailants have caused XXXX and other XXXX. Severe people are hacking my sim numbers. These strangers and are not related to me. They do not have signed documents, from the bank, stating were they received their money. He refuses to reduce the interest on the account. I need about {$500.00} in interest fees removed. I also need late fees removed. I was stated to pay {$210.00}, XXXX days ago, now it's {$330.00}. Insane, I, only, use {$20.00} per month after a {$60.00} payment. The Ceos may be related to people who XXXX my mother. I need to fix my accounts. My sim numbers are also hacked ( photos ). When I try to call, assailants from XXXX and XXXX keep answering the phone. I can only pay {$140.00} for XXXX, XXXX and XXXX. I need help with the bill or is he trying to, illegally, close, my accounts. Why would I owe {$330.00}? He reduces other clients interests? Why not, knot, my credit accounts? Under the XXXX XXXX XXXX XXXX, he is not adhering to standard policy and he has favoritism towards assailants. My father, XXXX XXXX, has had millions of dollars, in checking account numbers ending XXXX and XXXX. I am the only one who has gone to the bank with him, to sign banking documents, and we are getting treated unfairly. My mother ( XXXX XXXX XXXX ), my father, XXXX XXXX XXXX and I have won court settlements, we have won {>= $1,000,000} in stock ( XXXX ), we have worked XXXX jobs, over XXXX, and I was the only child claimed on banking statements, wills and tax documents. I am the only person who lived, at XXXX XXXX XXXX, in XXXX, XXXX.It is sad to say that people have stolen from us either online or through robbing our home in XXXX. I have court cases against several individuals.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: KY

Complaint narrative:
This is a follow-up complaint to a previously closed CFPB case regarding Healthcare Finance Direct ( HFD ) and a XXXX account. HFD is incorrectly reporting that my XXXX treatment was completed, and is using that classification to deny any review or relief. This determination is inaccurate. My treatment was not successfully completed, and I did not receive the intended results. I was left needing further correction, and XXXX ceased operations before my case could be resolved or any additional treatment could be provided. If my treatment had truly been completed, I would not currently need to restart treatment or seek further correction. The service associated with this loan was not fully delivered as expected. HFD has stated they require documentation from XXXX confirming incomplete treatment, but this is unreasonable because XXXX is no longer operating and can not provide such documentation. I am requesting that HFD re-evaluate my account based on the actual outcome of my treatment, rather than relying on an inaccurate completed status that does not reflect reality. I am seeking a fair review of my account and appropriate relief based on the fact that the financed service was not successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Incomm Holdings Inc.
State: NC

Complaint narrative:
I bought a gift card and activated it but when I tried to use it it got locked its been a month and a half now and they are refusing to unlock it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I have been harassed for months since XXXX about a medical debt that isnt mine or medical some received under my name that wasnt me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibanks failure to properly address identity theft, unauthorized charges, and inaccurate credit reporting associated with my Citibank AAdvantage credit card account. Without my authorization, the mailing address and phone number on the account were changed, I lost access to the account, replacement cards were sent to an unauthorized address, and unauthorized charges were incurred. Citibank later closed the account, but my credit report now reflects a disputed balance of approximately {$32000.00}. I have reported the matter to Citibank, filed an FTC Identity Theft Report, and disputed the reporting with the credit bureaus. Despite this, Citibank has stated that it will not investigate or resolve the disputed charges on the closed account unless I open a new account. I am requesting assistance in requiring Citibank to investigate the fraud on the closed account, provide complete account statements and transaction history, and correct any inaccurate credit reporting resulting from this identity theft. Heres an even shorter version in case the form is cramped : I am filing a complaint regarding Citibanks handling of identity theft, unauthorized charges, and inaccurate credit reporting on my closed Citibank AAdvantage account. The account address and phone number were changed without my authorization, I lost access, replacement cards were sent to an unauthorized address, and unauthorized charges were incurred. My credit report now shows a disputed balance of approximately {$32000.00}. Although I have reported the matter, filed an FTC Identity Theft Report, and disputed the reporting, Citibank has stated it will not investigate the closed account unless I open a new account. I request assistance in requiring Citibank to investigate, provide statements, and correct inaccurate reporting.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I have been studying day trading for some time. And decided to start I was on trade locker then switch to crypto.com because my friend has been using them for some time. I was trading strike options because he was trading them for a week and say he has made good money so I decided to try. I ended up making {$320000.00} total during my time with crypto.com as I thought I was faithfully trading correct. On XX/XX/XXXX XXXX I was told the XXXX was taken from me and I had a total of XXXX by XX/XX/XXXX due to a system error is there system label as the 'Glitch ' Since Tuesday I have been asking for these documentations. A full list of transactions you consider impacted by the system error The specific issue affecting pricing, execution, or settlement How the amount of {$23000.00} was calculated My account balance before, during, and after the affected period based strictly on valid funds Clarification on whether any of my original deposited funds or legitimate trades are included in this adjustment and have not gotten any of of these documents of the System error or even an itemized receipt of the XXXX they have provided no time frame of when I will get these just keep saying we will keep this chat log open. I want to present them to a legal firm to see if this is something they could do. I ended up quitting my job because I thought I was legality trading and was going to use that money to open a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Complaint XXXX XXXX XXXX XXXX XXXXXXXX name to enter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product/Issue category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : I am filing this complaint regarding a vehicle lien that XXXX XXXX continued to hold on a XXXX XXXX XXXX XXXX ( VIN : XXXX ) that I purchased from XXXX on XX/XX/XXXX. Despite my purchase of this vehicle and years of loan payments made to XXXXXXXX XXXX XXXX continued to hold the title and lien under the name of the previous owner, XXXX XXXX, without ever notifying me or taking any action to resolve the title defect. In XXXX, I contacted XXXX XXXX after being directed to do so by XXXX when attempting to obtain the vehicle title. A male representative confirmed that the account was not in my name and that XXXX XXXX still held the title and XXXX on the vehicle. I was then transferred to a manager identified as XXXX ( Employee ID : XXXX XXXX ), who confirmed the same, stating : " since the account isn't in your name I would not be able to release any documents. '' This call was recorded in full and is attached to this complaint as a supporting audio file. When I asked XXXX XXXX to provide written documentation confirming that the account and title were not in my name which would have been essential to resolving my dispute with XXXX and XXXX they refused. XXXX explicitly cited the fact that the account was not in my name as the reason they could not release documents, creating a situation where I was unable to obtain proof of the very title defect that was harming me. This refusal to provide documentation, combined with identical refusals from XXXX and XXXX, left me with no written evidence of a defect that all three companies were aware of. The pattern of verbal acknowledgment combined with refusal to document appears deliberate. A repossession was reported to all three major credit bureaus under my name in XX/XX/XXXX for a vehicle that XXXX XXXX XXXX own representatives confirmed on a recorded call was never in my name. I am attaching that recording as well as screenshots from both XXXX and XXXXXXXX XXXX platforms confirming the vehicle details, account number, and my association with this vehicle. Desired resolution : I am requesting a full investigation into how this vehicle 's title remained under a previous owner 's name for over XXXX years following its sale, written documentation confirming that the account was never in my name, and the immediate removal of the repossession and any related negative reporting from my credit reports at all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX keeps calling. They alleged bought debt from an alleged origanl debtor. I have no business or debt with XXXX. They alleged bought my debt from Navy Federal Credit Union. Under the Fair Credit Act. Banks arent around aloud to sell my personal information without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: NJ

Complaint narrative:
I have open a business checking with Relay financial and transferred {$1000.00} to the account. For some non disclosed reasons the account was closed by the institution, however, I have been going back and forth with them for a while to recover my deposit. Please help. Your Relay account has been approved! ( Relay Financial ) CongratsXXXX XXXXXXXX Relay account has been approved! You're now one step closer to complete cash flow clarity and control. Here are the first 3 steps to get your account fully up and running, so you c an start banking with Relay ASAP. Sunny ( Relay Financial )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App regarding restricted access to my funds. My account is currently locked from XXXX transactions due to a legal name mismatch. The account appears to have been set up with an incorrect legal name, and I was later informed that it can not be updated or verified. As a result, I am unable to send, sell, or withdraw my XXXX balance, which is approximately {$100.00}. I have contacted Cash App support multiple times, and they have stated that they can not verify the account or change the legal name, and they have not provided any alternative method for me to recover my funds. I am not requesting full access to the account or any changes to the account information. I am only requesting a way to withdraw or transfer my remaining balance before the account is closed. At this time, I am being denied access to my own funds without a clear resolution. I am requesting that Cash App provide a reasonable method for me to recover my balance. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank authorized a pre-approval to a fraudster, and the fraudster bought a motorcycle from a XXXX XXXX XXXX Dealership in XXXX XXXX on XX/XX/year>. This purchase was unauthorized by me, and I had no knowledge this loan was being taken out in my name. I filed a formal complaint to Synchrony Bank and their Fraud department. To be specific I've spoken to XXXX people at Synchrony Bank over the last couple of XXXX trying to resolve the issue. Additionally, I filed a formal appeal to the account and sent Synchrony tangible evidence that the motorcycle purchase was fraud. The appeal included the pre-approval letter, a fake driver 's license and credit card that the fraudster used as well as the bureau information from the credit hit. The issue I have is Synchrony is doing nothing to resolve. I recently found out that I my case was denied via a collections call from Synchrony. Shortly afterwards, my identity theft restoration agent and I called Synchrony and asked why the case was denied and they would not give us any information - even after verifying my identity.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I opened an account with Navy Federal Credit Union and had a direct deposit of XXXX. I applied for auto, business and personal loans and was denied each time. I was approved for a secured credit card for {$1000.00} which later was increased to a {$5000.00} secured credit limit. I was never offered any other products or services and repeatedly refused credit. Now Im being sued for an excess amount of over {$5000.00} for a secured credit card which I financed with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
I am a XXXX XXXX at a qualifying public service employer and have been working toward Public Service Loan Forgiveness ( PSLF ) for nearly ten years. I currently have XXXX of XXXX qualifying payments completed across 5 loans with a remaining balance of {$73000.00}. Due to an administrative forbearance during the SAVE plan litigation, through no fault of my own, ten months of payments from XX/XX/XXXX through XX/XX/XXXX did not count toward my 120-payment total. On XX/XX/XXXX, I submitted a PSLF Buyback Reconsideration Request through XXXX. My case number is # XXXX. The Department of Education 's stated processing window is 45 business days. That deadline has passed with no response, no status update, and no decision. I am enrolled in the Pay As You Earn ( PAYE ) repayment plan. My pre-forbearance payment was {$260.00} per month, making my buyback cost {$2600.00}. If approved, forgiveness would come by approximately XX/XX/XXXX for a total cost of {$8200.00}. Instead, the Department 's own XXXX dashboard projects my forgiveness as XX/XX/XXXX, costing me {$12000.00} total. The processing delay is directly costing me approximately {$4300.00}. The Department can not dispute these figures as they come from their own platform.

Company response to consumer: Untimely response