vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Company : TD Bank , N.A . 

Product : Debit card / Checking account ( or Credit cardwhichever it was ) Issue : Unauthorized transaction ; dispute mishandled; provisional credit reversed What happened : Unauthorized XXXX charge {$160.00}. TD credited then reversed after claiming I provided a drivers licenseno proof provided. I have written evidence from the actual renter confirming I was not the renter and they used their own card, not my XXXX XXXX. TD refuses to provide merchant evidence or a written investigation summary. 

What I want : Reinstate {$160.00}, provide all evidence relied upon, correct dispute record, confirm transaction authorization method, and block further XXXX  charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am filing a complaint regarding U.S. Bank withholding funds after closing my business checking account for my XXXX, XXXX XXXX. 
I opened a business account with U.S. Bank and completed all required identity verification and documentation. After the account was approved, I received XXXX deposits from a company I worked for as payment for services. I transferred those funds from the business account to myself as owner compensation, which is a standard and legitimate business practice. 
U.S. Bank later closed the account. I was subsequently contacted by a U.S. Bank representative who confirmed that my documentation and verification were satisfactory and that the account would be reopened. After the account was reopened, I transferred additional funds into the account. The following day, the account was closed again. 
The account is now permanently closed. However, U.S. Bank continues to hold approximately {$790.00} of my funds. I have not been provided a clear explanation for the repeated closures or a timeline for the release of my funds. Phone representatives state they can not provide information or assistance. 
I am not disputing U.S. Banks decision to close the account. I am solely requesting the return of my funds.

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I have tried countless times to get the correct payoff quote and where to send the check. They do not want to give us the information because they want to keep us in the loan and raise the interest rate. I also was told to use somebody elses license in order to get the loan seeing is that I did not have a valid one. On XXXX XXXX, I requested all the information used to obtain the loan signatures paperwork photocopies of our IDs used no response. They call me late at night and even after that, they charged my account twice when going to make a payment and then decline the payments when their system is down for maintenance so after it comes back up, it charges whatever card that you use twice. I have recorded calls asking for the statements and also that I was fearful of using my real bank account to pay the loan because I got charged a {$900.00} overdraft fee that they were not gon na help me cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The company keeps calling and constantly calls around up seeing times cause before XXXX XXXX  cause after XXXX XXXX. I have not sent verification of debt. I have disputed this several times requesting that they send debt validation from the original creditor. Ive asked them to stop calling. I have a call log of them calling several times a day in the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have compiled a large group of people in addition to myself that have all applied for loans through Truist bank 's 'Lightstream ' division including family members, friends, colleagues, etc. None of which have ever been approved through that lending partner no matter how good their financial status was. I've personally received 4 denials myself. And of course nobody escaped the hard credit bureau inquiries which lowered our scores. So : * Are their underwriter 's on some sort of power trip? * Maybe it's just a case of discrimination? * Or could it possibly be a cover to only provide jobs for its employees without giving many actual loans to the public as advertised? ( such as the fraudulent daycares in Minnesota collecting taxpayer money )? 
I'm not certain yet, but I've uncovered enough data over 30 yrs to know there is something amiss going on and I would like the government 's help exposing whatever it really is. I will not stop pursuing this until I'm satisfied that we are all being treated completely fairly.

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 2026-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I was given a XXXX XXXX XXXX preloaded with {$500.00} from my employer. They purchased the card from XXXX on XX/XX/year>. We activated the card and verified the {$500.00} balance prior to use. 

On XX/XX/year>, we attempted to use a Mastercard gift card for a {$560.00} purchase at XXXX XXXX in XXXX, SC. We anticipated {$500.00} being approved and us needing to pay the remaining balance using other form of payment. The transaction was immediately denied at the point of sale, however the {$500.00} was removed from the gift card balance. 

I contacted XXXX XXXX XXXX customer support right away and was told the transaction was showing as completed on their end. I then spoke with the manager at XXXX XXXX, who confirmed the transaction had been denied and that no funds were received. The merchant contacted XXXX customer support directly while we waited and informed them the card had been declined and no funds were showing in the merchants account. 

We proceed with opening a claim with XXXX and they requested only a copy of the card and packaging, which we provided promptly. At no point did XXXX request any information about the transaction itself, the denial at the point of sale, or the merchants confirmation that no payment was received. 

XXXX denied the claim and instructed us to discuss with merchant. I have spoken with the merchant multiple times, and they continue to confirm that they never received the {$500.00}. 

Because the transaction was denied and the merchant did not receive the money, the {$500.00} remains unaccounted for. I am requesting that XXXX resolve this matter by reversing the transaction, restoring the {$500.00} balance to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid my Capital One credit card balance off ( {$320.00} ) completely on XX/XX/year>, using my Capital One XXXX  Chrcking account. I also paid my Secured credit card balance as well ( {$180.00} ) The company sent me an email, showing that they received the payment and it should reflect in my account within days. The updated my XXXX account to a XXXX balance, and credited the account. They gave me back my {$300.00} available balance. I made purchases, which would've never gone through if the account didn't have the credit. A couple of days later, I checked my account, and it was over {$500.00}. Capital One checking never paid it to the credit department. They forgot to submit it on their end, and blamed me for a returned check on my account. After discussing this with company they blamed me for their mistake and refused to correct it. I paid it off-AGAIN! - and closed the XXXX account. But I want my money back into my Capital One XXXX  account. I have proof of this, if it's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We reported obvious unauthorized transactions totaling approximately {$17000.00} that occurred within about XXXX week, consistent with account takeover and fraud. We went in person to a Chase branch to report the issue. 

Chase only reimbursed a portion of the stolen funds and claimed the investigation was complete, despite clear red flags. At least XXXX withdrawal occurred inside a Chase branch, yet no photo ID or drivers license was checked, which is a serious failure of basic security procedures. 

Chase did not provide evidence supporting its decision, such as authentication logs, device or IP information, or documentation showing proper authorization. Instead of fully resolving the fraud, Chase closed the bank account after issuing a partial reimbursement. 

We believe Chase failed to conduct a reasonable investigation as required under Regulation XXXX and improperly denied full reimbursement for unauthorized electronic fund transfers resulting from an account takeover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: WA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA ) placed a collection on me for the amount of {$470.00}. This collection was never valid because it was reported incorrectly by XXXX XXXX ( Garbage utility ). I have contacted XXXX XXXX on multiple occasions along with XXXX XXXX XXXX  who both indicate that they acknowledge that the debt was paid and the collection is invalid. Nonetheless the collection continues to appear on my credit and has had a detrimental affect on my credit at the least opportune time because I am in the process of buying a new home and the collection is prohibiting me to do so along with lowering my credit without merit. XXXX XXXX XXXX is not operating within the rules of Washington State and they have caused me damages. Please help me resolve this issue because I am not getting any remedy from XXXX XXXX XXXX  after over a year of requesting this issue be corrected over multiple correspondences. raging from XXXX of XXXX to XXXX of XXXX. I have contacted XXXX XXXX XXXX  over ten times for this issue during that span of time. 

Thank you, XXXX XXXX XXXX XXXX XXXX  Below is the information of the collection itself : Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$470.00} Original Creditor XXXX XXXX  Past Due {$7.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION<

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: UT

Complaint narrative:
I noticed that my balance was low before arriving to XXXX XXXX I attended a key Bank branch on XXXX XXXX and after opening an account as a new customer at the key Bank branch in XXXX  Utah the ATM card sucked in my card and when I went to grab it off the machine and so I immediately pulled around the bank and told the window tell her what was going on it was pretty busy but they gave me a card at window. 
Well I have an identity thief and he checks weren't cashed and they weren't enrolled to direct deposit and they were social security benefits SSI and SSA the awards letters said to have them enrolled to direct deposit into an account so I went to open a new account at the key Bank and recently the same thing happened at the ATM machine and I went in and talk to you I tell her and I was informed that until the people came to fill the machine that we wouldn't be able to have access to the card which takes weeks so I realized that there's a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
During a family move and multiple children medical issues, my family 's credit cards were hacked and used to purchase thousands of dollars in fraudulent purchases, especially with XXXX. 

The purchases were identified eventually by me and I contacted Chase. I contacted them through the phone and through social media. I was repeatedly assured that they identified endless fraudulent XXXX charges among others. I was assured multiple times that the Chase XXXX and XXXX XXXX  were investigating and would contact me with a settlement. As you can see in the attached photos, this still hasn't happened. 

To this day, I have not been contacted by Chase. I had to cancel the cards some time ago. It should be noted that my wife and I were long time cusotmers of Chase. We charged tens of thousands of dollars and never filed XXXX dispute, over a number of years. 

XXXX XXXX at its finest with Chase XXXX unable to secure our credit cards and now unwilling to do the right thing, and reimburse us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BTH Management
State: TX

Complaint narrative:
Plaza Services failed to notify me of any debt they were trying to collect and I havent received any letters or emails stating that I have an active account open with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never received the card in the mail. I had to call and cancel the active card and have them send another card. All the transactions made in that card are unauthorized.

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 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Kashable LLC
State: PA

Complaint narrative:
I was a victim of identity theft and someone have open multiple credit card and personal loans in XXXX. Stolen wallet, ssn, Driver license. Credit burea breach also. Hospital Gave my information gave my XXXX information to the wrong person also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
we purchased furniture from XXXX XXXX XXXX using a synchrony bank credit account. Our first payment was due on XX/XX/year> when setting up auto pay we reasonably believed it would process the required monthly payment at no point during set up. Was it clearly disclosed that auto pay could default to withdrawing the full statement balance unless another option was manually selected on the morning of the first scheduled payment I discovered that synchrony had withdrawn nearly {$4000.00} the entire account balance from our bank account without prior notice this was not meaningfully authorized and was inconsistent with our understanding of the auto pay set up. We immediately contacted synchrony customer service and their escalation department synchrony acknowledged the issue and agreed to refund the amount, withdrawn less theyre required monthly payment however they stated the refund would be issued by check and could take XXXX to XXXX weeks to arrive having nearly {$4000.00} unexpectedly removed from my bank account and unavailable for weeks has caused significant financial hardship to my family. I requested that the refund be expedited or returned electronically, but was told this was not possible. I also asked whether any XXXX credit or other tangible resolution could be provided to address the inconvenience and loss of access to funds caused by this error. XXXX declined to offer any compensation while I now understand that the auto pay option was set to statement balance this option was not clearly explained during setup, and it is reasonable for a consumer to assume that auto pay would process the required monthly payment on a financed purchase. This appears to be a disclosure and process issue that places an unreasonable burden on the consumer when an error occurs. Im filing this complaint because synchrony actions resulted in an unauthorized withdrawal delayed return of funds and financial hardship, and because attempts to resolve this directly with the company were unsuccessful. This withdrawal also created a risk of missed or delight household, obligations due to sudden loss of access to funds.

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 2026-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
My cashapp card is connected to my XXXX account and my bank account is connected to cashapp. With my cashapp account being locked cashapp automatically authorized the transaction from XXXX. Which put my account that is connected in the negative and all the can tell me is my bank account is connected to XXXX when it is not. This is a breach of safety and security. This transaction happened Sunday XX/XX/year>. If XXXX is only connected to cashapp my money shouldnt get pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint after more than 18 days of unsuccessful attempts to resolve an issue with my PayPal XXXX XXXX XXXX XXXX XXXX. 
PayPal internal ticket/reference number : [ INSERT TICKET NUMBER ] The card is advertised and displayed inside my PayPal account as offering 3 % cashback on PayPal purchases . PayPals own interface shows the cashback benefit for this card. 
However, when I attempt to use this card to make a payment through PayPal, the system displays Card unavailable, and the transaction never proceeds. This is not a standard decline. 
Key facts : Mastercard has confirmed multiple times that there are no declined or attempted transactions The card is active, in good standing, and has no balance, limit, or fraud restrictions The same card works at the same merchants via XXXX XXXX  The card works when used directly outside PayPal The card does not work only when used within PayPal, despite being advertised and shown there This issue began after the physical card was activated. Initially, the card did work through PayPal. It later became blocked without notice or explanation. 
For over 18 days, I have contacted : PayPal support PayPal XXXX team PayPal Mastercard team Mastercard support Each party repeatedly redirects me to the other. PayPal states it is a Mastercard issue. Mastercard states it is a PayPal account or system issue. Neither party will take ownership, and both refuse to participate in a joint or conference call. 
No representative has been able to : Explain why the card is blocked inside PayPal Explain why the card works elsewhere but not on PayPal Identify any merchant where the card is officially supported or unsupported Provide a written explanation of the restriction The result is an endless loop of deflection with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 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: NC

Complaint narrative:
I requested that Capital One conduct a substantive review of my disputed charges, including consideration of the documented circumstances under which the transactions were authorized. Specifically, I requested that Capital One review my disputes beyond standard chargeback codes and evaluate the supporting documentation I provided regarding compromised consent and sustained pressure at the time of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Please remove debt collections LVNV FUNDING, LLC in the amount of {$640.00} and {$1600.00} as it was removed from XXXX  and is falsely being reported on my XXXX  credit report

Company response to consumer: Closed with explanation