vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX KeyBank Issue : Fraud / Unauthorized Transactions Complaint Description : I am filing this complaint regarding unauthorized transactions that drained approximately {$4900.00} from my KeyBank account. On XX/XX/XXXX my phone was stolen and my XXXX and KeyBank accounts were drained. I did not authorize these transactions and immediately reported the fraud to the bank once I became aware. My dispute started on a Friday and ended Monday. I missed my rent payment and I can barely feed my children, I really depended on that money. I was charged on XX/XX/year>, {$2000.00} from XXXX and {$2900.00} from XXXX. Ive never used any of these companies. Despite reporting the fraudulent activity promptly, the bank denied my claim and refused to reimburse the stolen funds. Shortly after disputing the transactions, the bank also closed my account, leaving me without access to my banking relationship and without resolving the fraud claim. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected against unauthorized electronic fund transfers when they are reported in a timely manner. I fulfilled my responsibility by notifying the bank promptly, yet the bank failed to properly investigate or credit the unauthorized withdrawals. I believe the bank did not conduct a reasonable investigation into the fraud and wrongfully denied my claim. Closing my account after reporting fraud also raises concerns about retaliation instead of resolving the issue. I am requesting the following : 1. A full reimbursement of the {$4900.00} in unauthorized withdrawals. 2. Documentation showing the banks investigation and the evidence used to deny my fraud claim. 3. Confirmation that the account closure will not negatively impact my banking history or consumer reports. I am asking the CFPB to review this matter and ensure the bank complies with federal consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX To whom it may concern I am writing to request validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : 1. Proof that I owe the alleged debt 2. A copy o f the original signed agreement or application 3. A complete payment history showing how the balance was calculated 4. Proof that XXXX XXXX XXXX has the legal right t o collect this debt i n the state of Florida 5. Documentation showing the assignment or sale of the debt from the original creditor to XXXX XXXX XXXX. Until such validation i s provided, please cease all collection activity and communication regarding this account offered under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Im filing a complaint regarding a collection account being reported by National Credit Systems on my credit reports with XXXX, XXXX, and XXXX for {$1700.00}. This debt allegedly relates to a former apartment lease that I moved out of in XX/XX/year>. I never received an itemized move-out statement or documentation explaining the charges that make up this balance. Because I was not provided with an itemized list of damages or charges within a reasonable timeframe after vacating the property, I can not verify that this balance is accurate. National Credit Systems is currently reporting this debt to the credit bureaus without providing me proof of the original lease agreement, a detailed accounting of the charges, or documentation showing they have the authority to collect this amount. Under my rights pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting that National Credit Systems provide proper validation of this debt, including the original lease agreement, a full itemized statement of charges, and proof of assignment from the original creditor. If they can not provide this documentation, I request that this account be immediately removed from my credit reports with XXXX, XXXX, and XXXX. I also request that the Consumer Financial Protection Bureau investigate this matter to ensure that inaccurate or unverified information is not being reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: FL

Complaint narrative:
Navy Federal Credit Union refused to credit my part-time payroll check, clearly marked " payroll ''. When I called to ask them to do it they refused, I asked for a supervisor who also refused and then accused me of harassment for asking for my money! Then, I became very distraught and upset. This is grocery money for me. I thought the law said they can not hold payroll checks like this - that people use for essential living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On or around XX/XX/year>, my computer was compromised by hackers who installed remote access software ( XXXX and XXXX ) without my knowledge or consent. Using this unauthorized access, they created a fraudulent XXXX account in my name and transferred {$450.00} from my PayPal account ( XXXX ) into it without my authorization. I contacted PayPal on XX/XX/year> at XXXX PM to report this unauthorized transaction. PayPal opened and then denied my dispute ( Case # XXXX XXXX XXXX stating that because my device was compromised they are not liable. I was not provided a case number by the agent and only received it via a denial email afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have been a Robinhood customer for some time and have deposited funds into my account to invest in stocks. Over that time, I made several transfers between my Robinhood account and my external bank accounts. I was not aware that the way I was using these transfers may have violated Robinhoods policies. After speaking with support, I explained that my intention was to invest a portion of the funds into stocks while transferring the remaining balance back to one of my personal bank accounts. My account has now been restricted and is currently in the process of being closed. At this time, my account shows a remaining balance of {$51000.00} that needs to be returned to me. However, I have not yet received information about the timeline for when these funds will be released or how the return will be processed. I would like to request that the full balance be returned to my XXXX XXXX XXXX account, as it is my primary bank and the source of the deposits made to my Robinhood account. It has been impossible to reach out to them and feel like they're delaying my return. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Account Numbers : XXXX and XXXX I am filing this complaint against Firstmark Services for inaccurate credit reporting that has severely damaged my credit profile ( dropping my score to XXXX ) despite my five-year history of perfect, on-time payments. In XX/XX/XXXX, I contacted Firstmark to set up auto-pay. During this setup, the representative " fat-fingered '' or incorrectly entered my bank account information. Between XXXX and XXXX, I made multiple proactive phone calls to Firstmark to ensure my accounts were current. During these calls, I was repeatedly assured by representatives that my account was current. However, Firstmark was attempting to draw funds from an incorrect account number. Each time, the payment was reversed. Rather than notifying me of a banking error or verifying the account details, Firstmark representatives continued to state the account was fine, only to later label the payments as " Insufficient Funds '' a factually incorrect statement, as the funds were available, but the account number on file was wrong. It was not until XX/XX/XXXX, after XXXX failed attempts by Firstmark to process the payment and a phone inquiry, that a representative finally read the account number back to me. I immediately identified that the number Firstmark had entered was incorrect. I corrected the info and paid the balance in full immediately. I called multiple times which I do not have all the records of but they should have. I requested on MULTIPLE phone calls to reach out to me via phone call if the issue persisted. I recieved one call in the entire 3 month period in XXXX in which I made a payment ( or so I was told ). The Basis of My Dispute : 1. Lack of Notification : Firstmark failed to provide timely notice that the electronic transfers were failing due to an incorrect account number. 2. Failure to Resolve : Despite many many phone calls initiated by me, Firstmark failed to verify the payment information until the loans were already significantly past due. 3. Inaccurate Reporting : Firstmark is reporting these as " Late Payments '' to the credit bureaus. Under the FCRA, collectors and servicers must report accurate information. This was a servicer error, not a consumer default. I have previously disputed this with Firstmark, and they erroneously claimed the error was on my end. I request that Firstmark Services perform a " Goodwill Deletion '' or a " Correction of Fact '' to the credit bureaus ( XXXX, XXXX, and XXXX ) to remove the late marks for these two accounts immediately, as I am currently in the process of a home mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding the handling of a recent deposit by PNC Bank. On XX/XX/year>, I deposited a check issued through XXXX representing my retirement funds ( {$2300.00} ). Shortly after the deposit, a hold was placed on these funds. In an effort to resolve this issue, I contacted PNC and they told me that they contacted the number at the bottom of the check ( XXXX verification line ) and said the check is good but its outstanding and they need extra verification. I contacted XXXX directly. XXXX confirmed that the check is valid and outstanding, meaning it has been issued and is awaiting cashing by the recipient. XXXX clarified that this designation does not indicate that the funds are invalid or unavailable. Despite this confirmation, PNC Bank maintained the hold on my deposit. I believe the bank mishandled this process, and I found it unacceptable that each time I called, I had to wait XXXX to XXXX minutes to reach a representative. Even then, I received inconsistent answers from different staff members, which added to my frustration and stress. This has also led to me accruing additional overdraft fees as I was trying deposit the money to prevent that. This experience has caused significant inconvenience, particularly because the funds involved are part of my retirement savings. I believe the handling of this deposit may not be consistent with standard banking practices and federal regulations regarding access to funds. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that in the future funds are made available promptly and PNC doesnt purposely try to delay consumers to obtain more fees. Additionally, I ask that PNC provide a clear explanation for the extended hold and the inconsistent customer service, as well as any steps they will take to prevent similar issues in the future. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I reported unauthorized credit card charges on my Bank of America account totaling {$620.00}. Bank of America approved {$180.00} as fraudulent but denied the remaining {$440.00}. The denied charges were primarily online transactions. Bank of America stated the denial was based on the card chip being read, a PIN being entered, and/or a signature being obtained, which does not apply to online transactions. By approving part of the claim, Bank of America acknowledged that unauthorized activity occurred and that my account was compromised. Denying the remaining charges from the same fraud event is inconsistent and unsupported. I did not authorize these charges, did not provide my card or PIN to anyone, and did not benefit from the transactions. My card was not lost or shared. I have also experienced similar unauthorized charges on my debit card, which indicates my account information has been compromised. I filed an FTC Identity Theft Report and submitted a written appeal requesting reinvestigation, but Bank of America continues to hold me liable for unauthorized online charges in violation of the Fair Credit Billing Act. Now I am being told they denied my claim because the purchases were made on my device. Every time I reopen my claim they deny it and it seems like they come up with random reasons it was denied. I was contacted once about this issue and never contacted again I tried calling the number I was given and put in the extension number that was given but I guess it was fake. I also contacted the Bank of XXXX XXXX and XXXX account, explained what happened and was told that someone would contact me about this issue and still have yet to receive any type of call. All this happened last year and I feel like no one is trying to listen to what I am saying

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 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I set up a new Online Bill Payee XXXX XXXX XXXX and set up a payment of {$4100.00} from my checking account to process on XX/XX/year>. I received a text on XXXX to authorize the amount. This isnt normal when setting up a new payee ( usually an email ) - it seemed suspicious and I didnt recognize the number, so to be cautious I called Chase at XXXX and read them the text. They complimented me on being cautious, thanked me for calling and assured me that all was fine. On XXXX I received another note wanting me to authorize the amount, but again I didnt recognize the number and it still seemed suspicious. This is NOT a normal procedure for bill payment. Ive been paying bills on line with Chase for over 13 years and have NEVER had this happen. I called Chase again on XXXX to figure out what the issue was and why I was getting these unusual messages. I was transferred to the XXXX Dept and was assured there was no issue or problem and everything was ok with the account and the upcoming payment to XXXX XXXX on XXXX. I received no further contact and considered the matter dealt with. I then left on an overseas trip and returned on XXXX to find an email from XXXX XXXX that the payment hadnt been made. I saw in my account that the payment had been rejected on XXXX ( the payment date ) and there was no explanation. There were ample funds in the account. I called Chase on XXXX and they told me the payment was rejected because they couldnt verify it was authorized! They said they tried to call me on XXXX to authorize, but the call went to voicemail ( I was out of the country ), but I have no record of the call, no message and no other notification. As stated, I authorized this payment twice on XXXX and XXXX, what possible reason could there be to authorize it a 3rd time? I recreated the payment on XXXX and XXXX XXXX received it on XXXX, but unfortunately I was charged a {$29.00} late fee and {$100.00} in Interest. Ive made every attempt to try and resolve this issue ( getting a reason for the rejection and reimbursement of fees incurred ). Ive called numerous times and spoken to numerous agents and supervisors who transfer me around and Im ultimately dismissed with no help. At one point I was told the rejection had nothing to do with fraud, but that Chase was having difficulty getting a payment code from XXXX XXXX. Ive also used Secure Messaging to make my case only to be rebuked and told they will no longer respond to me. Chase is not taking responsibility for what is clearly their error. They were repeatedly authorized to make the payment and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Consumer Financing Dispute Seller Failed to Provide Installation Services I am filing this complaint regarding financing provided by Synchrony Financial for a purchase made through XXXX XXXX XXXX. I purchased high-end kitchen appliances manufactured by XXXX through XXXX XXXX XXXX under a financing program processed through Synchrony Financial. According to my contract and written agreement : Delivery was promised Professional installation was included in the contract The appliances require professional installation due to technical and safety requirements However : XXXX XXXX XXXX went out of business. Installation services were never completed. The appliances are still sitting in my home and are unusable without installation. The financing was arranged under the sellers partner financing program : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Business License # XXXX Under the FTC Holder Rule, I believe I have valid defenses against full payment because the seller failed to perform contracted services. I am requesting : Removal or reduction of retroactive Synchrony Credit Card 's interest charges Review of the financing agreement Possible debt adjustment or settlement review ( Since this is a really high-end kitchenware I contacted my contractor this would cost XXXX for labor fee ) I attempted to resolve this issue directly with Synchrony but was told the interest charges could not be waived. Timeline of Synchrony'sEvents XX/XX/XXXX I purchased XXXX appliances from XXXX Appliances for {$22000.00} through Synchrony financing. XXXX I made payments totaling approximately {$14000.00} toward the balance. XX/XX/XXXX I submitted dispute case # XXXX against XXXX XXXX XXXX for {$22000.00} due to failure of installation services after the seller went out of business. XX/XX/XXXX Synchrony required full payoff of the promotional financing balance. XXXX I believed the dispute process allowed me to pause payments while the issue was under review. Current Status My Synchrony account balance is {$25000.00}, which includes approximately {$14000.00} in retroactive interest charges. Issue The appliances have been delivered but have not been installed as required by the purchase contract. Thank you for reviewing this complaint. XXXX XXXX XXXX XXXX XXXX

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