vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On or about XX/XX/year>XXXX at approximately XXXXXXXX XXXX I was contacted by an individual impersonating Navy Federal. They appeared legitimate and requested a verification code sent to my phone. Believing I was speaking with an official representative, I provided the code. I now understand this was a scam, and I did not authorize any transactions or account activity that followed. Shortly after, unauthorized transactions and activity occurred on my account, including requests for provisional credit that I did not initiate or approve. These actions resulted in funds being withdrawn and/or transferred without my consent. On XX/XX/year>, I contacted Navy Federal to report the fraud and requested a full investigation into the unauthorized activity. I clearly stated that : I did not authorize any payments or transfers I did not request provisional credit My identity was used without my consent Despite this, my claim was denied on XX/XX/year>, and I was held responsible for the resulting balance. The provisional credit that had been issued and then reversed has now left my account in debt, even though I was a victim of impersonation and fraud. At no point did I knowingly or willingly approve these transactions. The only action I took was providing a verification code under the false belief I was speaking with Navy Federal. This was a direct result of being misled and impersonated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding my Dell Pay financing account issued by Comenity Bank. I entered into a promotional financing plan that I understood to require paying off the balance within a specified promotional period. I missed the promotional payoff deadline by only a few days. As a result, I was charged a very high retroactive interest rate ( approximately 39.9 % ) applied to the entire balance from the original purchase date. While I understand that promotional financing may include conditions, the severity and retroactive nature of this interest charge were not clearly and transparently communicated in a way that a reasonable consumer would fully understand. Missing the deadline by only a few days resulted in a disproportionately large financial penalty. Additionally, I discovered that a protection/assure plan was added to my account without my clear and informed consent. I did not knowingly select or agree to purchase this add-on, and it appears it may have been pre-selected or insufficiently disclosed during the checkout or financing process. I also noticed that the APR on my account was increased during the promotional period. While I understand that rates may change, this change was not clearly communicated in a way that made its impact on my account or promotional obligations easy to understand, which added confusion. Furthermore, the account does not provide a practical mechanismsuch as an autopay option tied specifically to the promotional payoff deadlineto ensure that the balance is paid in full before the promotional period expires. The available autopay options ( such as minimum payment or statement balance ) do not guarantee compliance with the promotional terms, increasing the likelihood of unintentionally triggering retroactive interest charges. I have contacted the company to request assistance and resolution, but I have not received a satisfactory outcome. Overall, I believe these issues reflect a lack of clear disclosure, confusing account design, and the addition of products without explicit consent, which together resulted in significant and unexpected financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I noticed an email on XX/XX/year>XXXX that was sent to my email address on XX/XX/year>XXXX about an account I am not aware of that has a debt attached to it being sold to another company titled LVNV Funding, LLC in which another company Resurgent Capital Services, LP is attempting to collect a debt I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App failed to notify me of a log in for 10 days. The person who logged in to my account to money in the increments on {$100.00} {$300.00} {$800.00}, when the {$800.00} payment failed they proceeded to go in increments of {$200.00} {$100.00} and was able to make a final payment of {$20.00} all coming out of my bank account. All happening in a matter of minutes. When I noticed I was able to report it with in the hour. I informed cashapp that the device this was done from is not my nor was it a device I had lost or previously owned. They rules it as someone who had my permission and refuse to reopen and look into it again despite my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TN

Complaint narrative:
Since I saw the alert on my credit on Sunday XX/XX/XXXX, I have been in touch with XXXX. They used Waypoint Resource Group to open and apply a collections type derogatory credit entry. Not only is this charge incorrect, it is a product of XXXX not fulfilling their promise. In XX/XX/XXXX, I moved out of the address in question on XXXX XXXX. I returned all the equipment to the XXXX ( XXXX ) store in XXXX at the beginning of XXXX. The worker to whom I gave the equipment told me I was all set. Your account is closed. Now, having spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and finally XXXX at XXXX, I was told they incorrectly put my account under seasonal storage. When you look at my bills, you can see that as of my XXXX XXXX XXXX bill I owed XXXX so not only was I completely paid, but I was owed money. Then, they charged me incorrectly for 6 months. When they noticed their incorrect charges and that I had moved and closed my account in XXXX, they adjusted what I owed to {$140.00}. That means that their 6 months of incorrect billings amounted to a bill thatI still didnt owe. They sent this to collections and here we are. I have been told by XXXX XXXX and other employees in retention and elsewhere that they see what happened, will have the bill removed completely and finally XXXX on XXXX call at XXXX on Monday XX/XX/XXXX told me the other employees will all be punished and sent to seminars to correct their unfulfilled obligations in relation to this account problem. All calls were recorded so you can hear every single one to prove the accuracy of what I am writing. XXXX also said my credit would be back too normal by Friday XX/XX/XXXX, because she escalated this to 24 hours in ticket # XXXX. And now that I continue to try to call back because nothing seems to be changed, no one answers. On XX/XX/XXXX, I spoke with XXXX at XXXX ( Case # XXXX today at XXXX ) who said XXXX XXXX of contact at XXXX ( merchant ) responded that this is the money I owe. I also called Waypoint on Monday XX/XX/XXXX but they said they have no power and to call back XXXX. XXXX have incorrectly charged me, told me it would be taken care of, told the credit bureau that I do owe the money when they contacted them and even sent this to collections, for which Waypoint is responsible. Looking at my credit history, you will see that I have paid every single XXXX bill on time ( ranging from {$150.00} to {$180.00} dollars per month, so more than this incorrect bill ), have paid all other bills in my 40 years of credit on time and have even had a credit score as high at XXXX, again with XXXX late payments. I can do nothing else but forward this to you to help me have this bill and derogatory collections entry removed and my credit back to where it was.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I sent funds through Cash App for a townhouse rental arrangement that was never fulfilled. I was told the payment would secure the property and that I would receive lease documentation and move-in details. However, I never received a lease agreement, keys, or any official documentation confirming the rental. I made multiple attempts to resolve the issue directly with the individual, but no resolution was provided. I also provided Cash App with supporting documentation, including transaction records and communications, as well as evidence showing that multiple individuals have reported similar experiences involving this same person and payment activity. These individuals also state that they paid for housing arrangements that were never provided. Despite this, Cash App has repeatedly denied my dispute, stating there is no proof of a scam. I believe the available evidence clearly demonstrates that the services paid for were not received and indicates a pattern of potentially fraudulent activity that warrants further review. I am requesting that this matter be thoroughly re-evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I am disputing a predatory balance and unconscionable lending practices by Citibank ( Best Buy XXXX XXXX ). In early XXXX, I purchased a television for {$1900.00}. Based on my bank statement audit, I have paid Citibank {$3400.00} since that purchase. Despite paying 175 % of the original principal, Citibank claims I still owe a remaining balance of {$1600.00} due to a deferred interest 'trap ' and a 29 % APR. Furthermore, my official credit report ( attached ) shows this account was marked as 'CLOSED ' as of XX/XX/XXXX. Despite the account being closed and the credit line terminated, Citibank continues to accrue high interest and demand monthly payments. I have a 7-year history of 100 % on-time payments with this institution ( see attached payment history ). When I called to negotiate a good-faith settlement, a supervisor abruptly terminated the call the moment I requested a XXXX-balance waiver. I have now revoked my authorization for automatic drafts. I am requesting that Citibank perform a Goodwill Adjustment to bring this balance to {$0.00} and settle the account as 'Paid in Full, ' given that the principal and a significant profit have already been satisfied.

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 non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I disputed multiple times .. claiming that these accounts were opened fraudulently and mention that I wanted to proof that I actually opened the account and if can't provide that it has to be removed from my credit. I never received any proof. And it's not being take off my credit. And I keep receiving emails asking me to pay. And I lose the dispute. I disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
Skrill closed my account and I have {$19000.00} balance sitting in there. The do not have an email and there is a one way contact us form. Their closer email does not say when and if they refund the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a cashier check at chase and they closet the account and will not give me the money i have XXXX weeks that i ask them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OH

Complaint narrative:
XX/XX/XXXXSubject :XX/XX/XXXXComplaint Regarding Private Student Loans Misrepresentation by University XXXX XXXX and XXXX University I am submitting this complaint regarding my private student loans currently serviced by MOHELA, originally associated with my attendance at University XXXX XXXX and XXXX University. I am requesting review and relief based on documented misconduct by both institutions. The Federal Trade Commission ( FTC ) has taken enforcement action against both schools for deceptive practices : XX/XX/XXXXUniversity XXXX XXXX was found to have misled students regarding job opportunities and employer partnerships. XX/XX/XXXXXXXX University was found to have misrepresented graduate employment and job placement success rates. These representations were material to my decision to enroll and to take out substantial private student loans. I relied on these claims in good faith, believing they would lead to meaningful employment opportunities. That did not occur. As a result, I incurred approximately {$98000.00} in private student loan debt under false or misleading pretenses. I believe these loans were induced by misrepresentation and request that MOHELA :XX/XX/XXXXConduct a full review of my account XX/XX/XXXX Provide options for discharge, cancellation, or significant settlement XX/XX/XXXX Cease any aggressive collection activity while this matter is under review I am seeking a fair resolution based on the documented misconduct of the institutions involved. I request a formal response and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a mattress from Mattress Firm a couple of years ago. I initially planned to pay with a credit card, but the salesperson encouraged me to open a Synchrony Bank Mattress Firm account to receive a discount. I set up automatic monthly payments from my bank account and did not use the card for anything else. Since there was only one monthly transaction on the account to pay the Mattress Firm payment, I didnt review the monthly statements. Everything appeared fine until the monthly payment went up in XXXX. I checked the statement for that month and discovered a {$5500.00} interest charge on my account. I thought there was a mistake, but when I contacted the company, I was told that the promotional period had expired and that I now owed all the accrued interest. Had I known this, I would have paid off the balance in full before the promotion ended. At no point did I receive any notificationno phone call, email, or letterwarning me that the promotional period was about to expire. After paying the remaining principal balance less the large interest charge, I am receiving calls and emails from them. I do not understand why there was no communication before the promotion expired, yet they are now able to contact me incessantly. This practice is misleading and predatory, designed to take advantage of consumers. I am XXXX XXXX XXXX, and I have never experienced anything like this before. Credit card companies are fully aware of how these promotions work and should be required by law to notify customers before such promotions expire. As a result of this situation, the mattress ended up costing twice as much as the original price. I have sent a letter to their corporate headquarters but have received no helpful response and I filed a complaint with the FTC. I will file another complaint with the XXXX. This should be

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 2026-04-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On the evening of the XXXX of XXXX I was physically at a bar called XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Having a drink when a transaction was made with a cloned card XXXX miles away at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX at approximately the same time. Multiple XXXX XXXXXXXX {$350.00} withdrawals from an unknown atm totaling XXXX I did not receive notifications via the text alert that I was signed up for, so until the next morning around XXXXXXXX XXXX I had no clue. I have had this problem with them and I have the police reports XXXX in XXXX and XXXX suspects are XXXX males making the withdrawals. I am a white male XXXX ' XXXX ''. I have called multiple times and I keep getting the same run around. They keep telling me I don't have the right information and I need to send in documentation. When I called on XX/XX/XXXX around XXXX XXXX I was trying to re explain yet again and was hung up on. I have video of the interaction. The begini9ng of the call I was on the phone with an agent and I deliberately gave the agent the wrong information as a test. Why? Because of all the negative interactions I had prior. When I asked him if it matched what he had in front of him he said it did. It did not because it was the wrong information so I immediately asked for a supervisor who was not happy to speak with me from the beginning. Also, the number provided for customer service on the card does not match with online listing. On the card it is XXXX and online listed as XXXX.When I call the number that is online my card does not register as an active working card. When I call the number from the back of the card it lets me access customer service. I will add they provide no working security features that I was able to access to stop this. There is no card loc feature. The text alerts are never in sync. Also, I have discovered that the first XXXX digits of each card I received were exactly the same with only the last XXXX digits being different. Huge security flaw. Meanwhile I am continuing to try to get a physical police report from the city of XXXX since XXXX the XXXX. I was told there is a state law that a victim of this crime is entitled to a free police report. I have called and said as much then I was told to call internal affairs. I need my money back. I had my building management company move a roommate in with me without warning and his name is XXXX XXXX XXXX XXXX He put a man in the middle attack on the router along with a smart rat switch into my device while living there. He was removed from the unit and placed into another unit down the hall. I have told building management the same with no positive outcome. The suspects are on Camera at all locations and through the police.

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