vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX Account : Ally Auto XXXX Vehicle : XXXXXXXX XXXX XXXX Purpose : Ownership Challenge, XXXX XXXX, XXXX XXXX XXXX, Regulatory Enforcement I. OWNERSHIP & STANDING DEMAND ALLY / ALLY SERVICING LLC The Retail Installment Contract states verbatim : The words we, us, and our mean the Seller or anyone to whom the Seller transfers its rights under this Contract.

If this Contract is transferred, you agree to make your payments to the subsequent holder of this Contract ( Assignee ).

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES Ally correspondence dated XX/XX/XXXX admits : This account is being serviced by Ally Servicing LLC.

A servicer is not a creditor absent proof of ownership or valid agency authority.

FORMAL DEMANDS : 1. Identify the current legal owner/creditor.

2. Provide full chain of title.

3. Disclose trust name, cut-off date, and Pooling & Servicing Agreement.

4. Produce servicing authority granting Ally Servicing LLC enforcement and reporting rights.

II. CREDIT BUREAU FAILURE OF REINVESTIGATION DEMAND This tradeline is disputed due to unresolved ownership. Ally admits servicing status while failing to identify the creditor.

Continued verification without documentary ownership proof constitutes failure of reasonable reinvestigation under 15 U.S.C. 1681e ( b ) and 1681i.

DEMAND : authority.

Delete the Ally tradeline or provide documentary proof of ownership, chain of title, and reporting III. COURT MOTION LACK OF STANDING ( WITH CASE LAW ) Under Pennsylvania law, a plaintiff must be the real party in interest. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires proof of ownership of the note. 
XXXX Bank v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) Servicers lack standing absent valid assignment. 
In re XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Servicing alone does not confer enforcement rights. 
RELIEF REQUESTED : Dismissal for lack of standing, or order compelling strict proof of ownership and authority. 
IV. NOTICE OF INTENT TO SUE ( GLOBAL SETTLEMENT DEMAND ) NOTICE IS HEREBY GIVEN that failure to cure the ownership, reporting, and standing defects will result in legal action.

Claims include but are not limited to : FCRA violations ( 15 U.S.C. 1681 ) Furnishing without permissible purpose Misrepresentation of creditor status Collection without standing GLOBAL RESOLUTION DEMAND : Permanent deletion of all Ally tradelines Written confirmation of XXXX balance owed Cessation of all collection and enforcement Release of lien interest Failure to resolve will result in litigation, regulatory escalation, and pursuit of statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, I deposited a personal check for XXXX from XXXX to my Bank of America business account ( XXXX XXXX ). It immediately cleared. BOA put a hold from XX/XX/year> until XX/XX/year>. I met with a small business rep at BOA the following business day XX/XX/year>. She made a phone call to a manager. After a lengthy wait, she told me that BOA was waiting for a response from XXXX. I showed her on my mobile app where the check for XXXX cleared immedately. She said she was sorry but there was nothing more that could be done. 

I am a small business owner ( XXXX XXXX XXXX XXXX ) and have made large deposits before and a hold was never placed on my account, much less for XXXX  days. Please help. This was a transaction between XXXX large banking institutions

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 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was stolen and Paypal is doing abslutely NOTHING about it, despite serveral calls, emails, proof, they do not protect consumer 's data which is a HIGH CONCERN Please investigate Paypal in depth

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX INT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX INT 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: NE

Complaint narrative:
I received a phone call that came up as Navy Fed on my caller id. They said my account had been accessed by someone in New York and asked if that was me. I said no and they proceeded to tell me I needed to close that account. They walked me through how to open a new account and then had me transfer the money to cash app to then transfer it back on a new card. I fell for it and did as instructed. Now my bank is saying that they will not consider it fraud because I participated in the transaction. I can not lose that money. It will devastate me. I have appealed but am not counting on them finding differently. 
I realize I shouldn't have fallen for it but in the moment I was frantic. I was so concerned about losing the money I didn't think it through. Now I am going to lose the money because my bank doesn't believe me. Its outrageous that I am facing losing this money even though I was a victim of social engineering. 

Thank you for your attention to this matter. 

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
citi bank lowered my credit limit after years of being a great customer and loyal also.... this cut has also purposely hurt my credit score...... making it look like i had card that is maxed out instead of being 2 % usage...... this is i think illegal and against the fair credit reporting act....... for no reasons at all.... just cutting a limit i have had for 5 years..... i would like to have my original credit limit back..... once again this has hurt my credit score by over XXXX points.....

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital is fraudulently trying to collect debt or re-aging invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: TX

Complaint narrative:
Over the course of weeks in XXXX, Truist Bank has charged several overdraft fees to my business banking account. It holds debits for days, while displaying a false available balance, and then processes them after the date the debit transacted, forcing an overdraft, even if there are credits to the account to cover balances. I've had more than enough money to cover multiple transactions, but if I overdrafted XXXX large purchase, they pick and choose to collect funds on the highest purchase and charge fees for all the others. I've contacted them, and even though the charges don't add up, they still debated that it was valid. I was charged XXXX overdraft fees of {$36.00} each in XXXX alone. This has happened on multiple occasions in different months.

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 2026-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: NY

Complaint narrative:
i paid XXXX $ to a debt relief company ( XXXX XXXX ), for debt settlement services. the company reported that only XXXX $ was paid to my creditor, wile rest of the money was retained as fees. 

no completed or acceptable settlement was reached or approved by me. the company later attempted to change the agreed payment terms from XXXX $ per month to XXXX $ per month, which i didn't authorize. i canceled the contract due to services not been provided as agreed. 

i formally requested a full written accounting and refund of unearned fees. the company has not responded in writing and has instead attempt to contact me by phone, after XXXX weeks. i have sent them the email twice but they don't respond. the company also promised they will send me a check XXXX XXXX which they never did also. 

i believe the company retained unearned fees without completing a settlement and failed to provide services as promised. i am requesting a refund of all unearned fees and full accounting of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Ive signed a contract for a loan for a 2015 XXXX in XX/XX/XXXX with Exeter finance and have paid {$460.00} up til XX/XX/XXXX. The contract was for XXXX payments. Im outside my maturity date. And per online and when I call I still owe {$14000.00}. But loan balance remaining is {$12000.00}. Online says Ive made 71 payments. I havent done the calculations but I can bc I used the same account since I had the loan. There has to be hidden fees thats not outlined in the contract. All I get when I contacted Exeter last time is, I was advised keep paying or they can start the process for me to surrender. Ive paid all these years over {$33000.00} in good faith that one day I would own the car that I literally done paid for twice but it seems like I would never pay them off. Im trapped for another 30 months with no clarity how/why Another issue, I NEVER knew payments had to be made by XXXX pm are you late, I just found this out in XXXX when I started this loan in XXXX. 
When you make a payment its not listed there, I clicked on payment terms its not there! It caught my attention the time it hit my credit report, I got laid off my job and didnt pay til the XXXX day which in my mind Im not 30 days late. I still got deemed for 30 days bc I paid after XXXX pm.. I tried disputing it but it came back valid by Exeter finance. I think thats misleading bc that could save late fees and credit damaging if their customers knew theres a cut off time or you still deemed as late. That need to outlined online when making a payment like other creditors bc Im sure most people pay online than calling in a payment. 

Im convinced theres some unethical practices going on with this finance company that traps you in a loan outside your contract that makes it where you cant pay them Off, you get tired of getting ripped off Let them come get the car. Which causes credit damage and thousands gone with never owning the car youve paid on over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Complaint Against Santander Consumer USA Inaccurate Repossession Reporting I am disputing the accuracy and completeness of Santander Consumer USAs reporting on my auto loan account ending in XXXX. This account is being reported as a repossession with a charged-off deficiency balance of {$26000.00}. However, the information being furnished contains material inconsistencies and omissions. 

First, Santander is reporting conflicting activity dates, including a Date Last Active of XX/XX/year> and a Date of Last Payment of XX/XX/year>, which creates a chronological inconsistency in the account history. The reporting does not clearly reconcile when the default actually occurred. 

Second, Santander has failed to properly report the legally required Date of First Delinquency ( DOFD ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c ), furnishers must accurately report the DOFD to ensure the account is not being reported beyond the 7-year obsolescence period. Without a properly reported DOFD, there is no way to verify whether this account is being reported within the allowable time frame.

Third, the deficiency balance following repossession has not been adequately validated. I have not been provided documentation showing how the vehicle was sold, the amount it was sold for, how the proceeds were applied, or how the remaining balance was calculated. Without this documentation, the reported balance can not be considered verified or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
On XX/XX/year> I received an email and text message at XXXX XXXX that an account was opened with MoneyGram and the money transfer was in progress. I called at XXXXXXXX XXXX after reading the email and they said the money had already been sent to XXXX and the transaction completed so they could not cancel or refund my money. I did not open an account, I did not authorize this transaction. All MoneyGram could do was close the account that was opened in my name. They would not stop the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding Optum Banks ongoing improper assessment of a {$3.00} monthly maintenance fee on my account beginning XX/XX/XXXXXXXX XXXX, 2020. 
The fee, labeled as a Monthly Investment Fee, is disclosed as applying only to accounts that maintain a balance below {$2000.00}. However, my account balance has consistently remained above {$2000.00} since the account was opened. As of the date of this complaint, my balance is {$2800.00}. 

Despite meeting the minimum balance requirement at all times, Optum Bank has continued to charge this {$3.00} monthly fee for the past XXXX years. I have contacted Optum Bank multiple times in an effort to resolve this matter. Specifically, I called on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX During each of these calls, the representatives confirmed that my account balance has consistently exceeded {$2000.00} and acknowledged that the fee should not be applied under those circumstances. On one of these calls, a representative refunded three months of fees as a courtesy adjustment. However, I was informed that they could not stop the fees from continuing or refund the full amount that has been improperly charged. I was told that the matter could be escalated for further review and potentially a full refund, but I have not received any follow-up communication or resolution. 
This ongoing improper fee is gradually reducing my account balance. If the fees continue to be deducted, my balance will eventually fall below the required threshold creating a situation where the improper charges effectively cause the very condition they are supposedly meant to penalize. 

Additionally, Optum Banks online portal only provides transaction history dating back to 2024. While the fees are visible from that point forward, the improper charges began in XX/XX/XXXXXXXX  2020. The limited access to historical records restricts my ability to independently verify and document the full amount that has been deducted over the past five years. 

I am requesting a full refund of all improperly assessed monthly maintenance fees dating back to XX/XX/XXXX, immediate cessation of any future improper monthly investment fees and written confirmation that this issue has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding PNC Banks noncompliance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ). 
In XX/XX/XXXX, I timely reported unauthorized electronic fund transfers totaling {$620.00}, consisting of : {$180.00} {$430.00} XXXX submitted both a police report and an FTC Identity Theft Report. 
PNC issued provisional credit for both disputes. PNC later sent written determinations stating that no error occurred. 
PNC then : Reversed {$430.00} on XX/XX/XXXX Charged off {$430.00} on XX/XX/XXXX Debited {$180.00} on XX/XX/XXXX, coded as Check XXXX / paid exception item After receiving the denial letters, I requested copies of the documents relied upon in PNCs investigation, as permitted under 12 C.F.R. 1005.11 ( d ). I made these requests in writing and by telephone in XXXX and XXXX. 
To date, PNC has failed to provide the requested documentation. 
Regulation E requires that when a financial institution determines no error occurred, it must provide copies of the documents relied upon upon request. PNC has not complied.

Additionally, approximately one month after I filed a prior CFPB complaint regarding these disputes, PNC closed another deposit account in my name without prior notice.

I request : 1Immediate reinstatement of {$620.00} 2Copies of all investigation documents relied upon 3Written confirmation that no negative credit reporting will occur 4Regulatory review of PNCs compliance with Regulation E error resolution procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Regarding Capital One Case No. I am submitting this formal complaint regarding Capital Ones improper handling of my account, the premature closure and restriction of access to my funds, and the subsequent harm caused by their actions. 
On XXXX XXXX, 2026, I received a XXXX transfer of {$390.00} from an account belonging to XXXX XXXX. At the time, I believed the sender to be an individual I knew as XXXX. I withdrew the funds the same day and immediately gave the entire amount to that individual. I did not retain or benefit from the funds in any way. Once concerns arose, I contacted Capital One promptly and cooperated fully. 
Despite this, Capital One took adverse action against my account without first contacting me, without requesting an explanation, and without conducting a reasonable investigation. I was treated as though I were complicit in fraud, despite being a victim of the circumstances. 
As a direct result of Capital Ones actions, my account was closed or flagged, and I was warned that any similar issue in the future would result in permanent closure with no opportunity for remediation. 
This threat was made despite the absence of wrongdoing on my part and without affording me due process. 
Capital Ones actions caused significant financial and reputational harm. 
I lost access to funds derived from Social Security XXXX XXXX ( XXXX ), which are federally protected. 
I was denied the ability to open an account with another financial institution due to adverse information associated with my Capital One account. 
I lost a {$400.00} incentive tied to a direct deposit transfer as a result of this denial. 
I experienced ongoing stress, instability, and financial disruption due to Capital Ones premature and unfounded actions. 
Accordingly, I am formally requesting the following : 1 Compensation in the amount of {$4000.00} for financial harm, lost opportunities, and damages resulting from Capital Ones actions.

2 Written confirmation that I was not complicit in fraudulent activity.

3 Removal and correction of any adverse internal or external reporting related to this matter. 
4 Assurance that Capital One will not close or restrict my account in the future without first providing notice, an opportunity to respond, and a documented investigation.

5 Confirmation that Capital One will not report unsubstantiated or adverse information to other financial institutions related to this incident. 
If this matter can not be resolved promptly and fairly, I am prepared to pursue further remedies, including continued regulatory complaints and other appropriate actions.

Company response to consumer: Closed with explanation