vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XXXX, I purchased an item from XXXX. The item was not delivered on time, so I returned it to XXXX via a return label at a XXXX store. 

As of XXXX, I had never received a refund. So, I filed a dispute with XXXX, my bank. The dispute was not filed on my initial calldespite XXXX saying they filed the dispute. XXXX weeks later, on XX/XX/XXXX, I called for an update on the dispute, as I have never received the funds back in my account. This is when I realized that they had never filed the dispute for me. We then proceeded XXXX  actually file the dispute. On XX/XX/XXXX, XXXX emailed XXXX  request information from me about the transaction. I provided the entire email history between XXXX XXXX  myself, copies of the purchase email, return email, return label XXXX  XXXX. Since then, I have not had a credit issued, nor will XXXX provide a way for me XXXX contact the disputes department nor receive an update on my account. 

I've called several times for an update, no updates will be given. No expectation as for when I might expect XXXX  have my money back, nor any provisional credit provided. 

As of today, XX/XX/XXXX, XXXX is still keeping my money XXXX  provides no information as XXXX  why I can not access the funds nor when I could expect XXXX  have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: IL

Complaint narrative:
So the XXXX of XXXX I got robbed in XXXX for my cards my XXXX  phones and my paper id next day I went to my carrier to get a new phone I got my new phone i called navy federal credit union to change my password and stuff bc i couldnt get into my account they told XXXX already tried to call in act like it was me but couldnt verify the right information as I logged in the people who robbed me change my pin to my card and password to my account and was able to withdraw {$680.00} from off my card I put the dispute in with navy mind yall the first Lady never said I had to write a written request so I call back now they telling I had to write a written request with my id and they reason why so I did that 3 times they wont give me up dates they even restricted my account with the rest of my money on there I sent them my id and a picture of me holding id this make me wan na XXXX XXXX they tryna make it like Im the bad guy when my account wasnt even secured

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TX

Complaint narrative:
On XX/XX/year>, I transferred {$3400.00} from my XXXX XXXX  account into my Cash App balance. 

In the early morning hours of XX/XX/year> ( approximately XXXX XXXX  ), my Cash App account was accessed without my authorization while I was asleep. I did not initiate or approve any transactions. 

The unauthorized party : Purchased approximately {$2900.00} in XXXX XXXX approximately {$2900.00} in XXXX externally Used the Cash App Borrow feature without my authorization Attempted additional transfers and bank additions I received login alerts and verification messages that I did not initiate. I did not click any phishing links, did not share my credentials, and did not authorize any XXXX transactions. 

This constitutes unauthorized electronic fund transfers resulting from account takeover fraud. 

I reported this to Cash App immediately. It has now been approximately one month, and I continue to receive the same response stating that no disputes were filed or that they can not assist further. 

I have contacted Cash App support multiple times by phone and through in-app support. Representatives have repeatedly told me they can not help and have refused to escalate the matter to a supervisor or provide a meaningful investigation outcome. I have not been provided a proper written determination explaining their findings. 

Despite clear evidence of unauthorized access and crypto withdrawals, Cash App has failed to conduct a reasonable investigation or resolve this matter.

Under the Electronic Fund Transfer Act ( Regulation E ), I am requesting : 1. A formal investigation into the unauthorized access and transactions.

2. A written explanation of their determination.

3. Reimbursement of the unauthorized transfers totaling approximately {$2900.00} ( plus associated losses ). 

This was not a voluntary transaction. This was unauthorized access to my account. 

I am requesting that Cash App comply with its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I Bank with chase, on the XXXX of XXXX whiles trying XXXX  pay my rent I paid it XXXX  by accident. I called chase XXXX  told them about the issue since it made my balance went negative. I called them XXXX  told them yo dispute it which they told me would take XXXX XXXX XXXX business days. Upon that I requested a hold on my account so that no payment would be able XXXX  go through. The person I spoke with said ok. Unfortunately the next day I had XXXX overdraft. I called again and they reassured me XXXX the dispute is over they would take care of. XXXX  the dispute was over they gave me only XXXX overdraft. The other XXXX they no it. I would like my refund back since it not right XXXX  fraudulent. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
HELVEY ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY ASSOC 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account XXXX  a collection agency without properly notifying me XXXX  it's clearly violating my rights. In compliance XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated XXXX  adhere XXXX  XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is just a small portion of what is going on the real problem is that I have been paying this company called elan XXXX monthly for almost XXXX years and my bill never changes ' what amount I owed them should have been paid off long ago- and it is still sitting at around XXXX or more, they actually owe me money. I wrote them about charges on my account that I knew nothing about and they wrote back only saying those charges were not charged to my account. And I also want to stop autopay to that company- why send me a paper to check off bills, I know nothing about then say they were not charged to my account? all that paper work was sent back to them, and by the way I have not used the credit card in almost XXXXyears- I have basically paid close to XXXX to them and never had a bill over XXXX dollars. AND IT SEEMS AS THOUGH THERE IS NO END.

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 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
My name is XXXX XXXX many years ago there was a phone it was with XXXX the phone was a My Touch XXXX phone I realized I couldnt pay for it XXXX  then I was preparing XXXX  sent it back but unfortunately it was stolen from me before I had the chance to return it After that I started XXXX have horrible credit which is understandable because I had excellent credit but when I couldnt pay the bill I was prepared XXXX  send it back but like I said it was stolen so the debt stayed on my credit report for next XXXX  years til this past weekend when there was an account open up again it says this account was opened up on XX/XX/XXXX of last year why XXXX I notified this was going XXXX  happen XXXX  me I feel very confused XXXX  caught of guard XXXX  that doesnt sit well with me I need some help trying XXXX figure out why this is happening XXXX  me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
b'Subject: Unauthorized Account Access, Improper Transfer, and Wrongful Fees  Wells Fargo\nSummary of Issue:\nOn XXXX XXXX XXXX  my Wells Fargo credit card account was illegally accessed. A fraudulent transfer of XXXX was made from my credit card XXXX  my Wells Fargo checking account. I received an account alert XXXX  immediately contacted Wells Fargo. While I was on the phone with a Wells Fargo representative, a fraudulent wire transfer of $XXXX was initiated from my checking account. I informed the representative that I did not authorize this transfer, XXXX  it was stopped. Wells Fargo then closed all of my accounts XXXX  reset my online access.\nXXXX weeks later, I was charged $XXXX in transfer fees XXXX interest related XXXX  the fraudulent activity. I disputed these charges. After several weeks of internal review, Wells Fargos executive office informed me that the charges would not be reversed because they claim I created the transfer, which is incorrect.\nWhat I Believe Is Wrong:\n\tI did not authorize any of the transfers.\n\tMy accounts were clearly compromised.\n\tWells Fargo failed XXXX  protect my accounts XXXX  then held me financially responsible for fraud.\n\tThe banks determination contradicts the timeline and the fact that the fraudulent wire occurred while I was on the phone with their representative.\n\tI am now being billed $XXXX  for fraud-related fees XXXX  interest.\nWhat I Want:\nI am requesting:\n\tFull reversal of all fees XXXX  interest related to the fraudulent transfer.\n\tCorrection of my account history XXXX  remove any negative marks.\n\tWritten confirmation that I am not responsible for the fraudulent activity.\nMy Information:\nXXXX XXXX\nXXXX XXXX XXXX XXXX, AZ XXXXnPhone: 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
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint against Chime Financial , Inc. for failing to provide an approved refund and repeatedly providing inaccurate information about my account.

I paid a company for services that I never received and was owed a refund. The merchant issued the refund transaction, and the credit appeared in my Chime account transaction history. However, the funds were never actually made available to me in my account balance.

Because the money was never accessible, I contacted Chime and filed a dispute on XX/XX/year>. I submitted all required proof and documentation. My dispute was APPROVED the same day. 

Despite the dispute being approved, I never received the refund. 

As of XX/XX/year>, the funds are still missing from my account. 

I contacted Chime again and escalated the matter to a supervisor named XXXX. I carefully walked him through my transaction history and explained exactly where the error occurred. He repeatedly insisted that I had already received the refund, which is incorrect. The transaction may appear in my history, but the funds were never made available to me and my account remained negative.

This situation has now been ongoing for approximately three months and has caused serious financial hardship. I was relying on these funds to move into my new home, and this delay directly impacted my housing situation.

Chime has failed to : Properly investigate where the refund funds went Provide a transaction audit or explanation Make the approved refund available to me Correct the misinformation repeatedly provided by customer support A refund appearing in transaction history does NOT mean the consumer actually received access to the funds. I have spent significant time attempting to resolve this directly with Chime, but they continue to deny the problem instead of investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Spring oak capital Account Number XXXX To Whom It May Concern, I am filing this complaint regarding the collection practices of Springs oak capital, which have violated both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 
On XX/XX/year>, I sent a formal XXXXFDCPA demand letter to Spring oak capital requesting validation of the alleged debt referenced above. In that letter, I requested : Original signed contract or application Complete account payment history Name and address of the original creditor Documentation showing the agencys legal authority to collect the debt Proof of state collection licensure I explicitly informed the agency that failure to respond within 30 days would constitute a violation of federal law and that I would pursue statutory remedies, including {$1000.00} per violation and removal of any inaccurate reporting.

As of today, Spring oaks capital has not responded and continues to report this account to credit bureaus, which I believe is a violation of FCRA 609, 611, and FDCPA 809, 808. This has caused measurable harm, including stress, loss of credit opportunities, and potential financial damages.

I am requesting that the CFPB : Investigate the failure of [ Collection Agency Name ] to provide debt validation as required by law Require removal of the inaccurate account from all credit reporting agencies Facilitate statutory damages and/or corrective action for violations of FDCPA and FCRA I request that the CFPB take immediate action to enforce compliance and protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Melar Investments, LLC
State: OK

Complaint narrative:
I was served a summons from XXXX XXXX XXXX law firm on XX/XX/year>. Upon being served I contacted XXXX XXXX law firm by the phone number on the summons on XX/XX/year> at approximately XXXX XXXX.to inquire about the case and the alleged debt. On the recorded call the agent that I made contact with acquiring about the alleged that in the summons I had just received was trying to intimidate me by demanding my banking and employment information which goes against the FDCAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> my wife transferred money to my personal PayPal account. After she transferred I received a message that the funds are being held and a partial amount was available. I called in to find out the problem and the representative said it was because my wife sent it as a purchase which she did not. The was no option she sent like she normally does to my personal account not my business account. The funds went to my personal account and PayPal is claiming it was a purchase. If it was a purchase of business transaction how could it go into my personal account. 
mount held : {$1000.00} That funds were sent from spouse No goods or services were exchanged Account fully limited without clear explanation Hardship caused They will not release my funds, will not tell me why my account was flagged and blocked. Will not tell me what laws I broke or my wife broke by sending me funds. Holding my money got 7 to 21 days. I need my money I can not wait my money is to pay my bills. I have included documentation showing that my wife has sent money before and this has never happened PayPal has flagged my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union got in trouble with the Social Security administration and they removed my benefits from them because they violated the Social Security act 42 USC 407 and they lied to you guys in the first complaint. You can check with Social Security administration. They removed my benefits due to illegal fees. They lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime is letting more money come out of my account from XXXX XXXX all the way up to today which is XXXX XXXX of different amounts to different places XXXX charges are for {$1000.00} to coinbasic and I don't even know what that is, multiple to XXXX I don't have an XXXX  phone or anything XXXX, multiple to coinbasic for various amounts, including XXXX pending for {$55.00} which is today charge at XXXX, XXXX to XXXX for {$24.00}, some to XXXX XXXX for {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have applied for a credit card with Synchrony Credit Card to pay for the furniture purchased at XXXX XXXX XXXX for XXXX  months, after which i have to the remaining amount. I have set up autopay XXXX  I thought the XXXX  month period was ending in XX/XX/year> XXXX  I opened up the app and initiated the payment for remaining balance. As I was going through the statement i realized there was interest charged for {$2000.00} XXXX  the XXXX  month XXXX  % ended in XXXX. There was no alert on the account, no push notifications, no text or any email sent from the app reminding me of my payment. I called the customer care XXXX  they were rude XXXX  are not waiving it off as XXXX time exception as my intention was not XXXX  skip the payment. I was atleast expecting the Synchrony app XXXX  send reminder as all other credit cards or bank systems do. The customer service was poor XXXX  they were ready XXXX  disconnect the call saying they can not remove the interest charged. XXXX  the interest is being charged monthly even though I payed the whole amount. This is also affecting by credit history. I see this as poorly developed application XXXX  Synchrony is using loophole XXXX  charge interest from the customers. XXXX  they wanted me XXXX  send a letter mailed XXXX  the branch office that would still delay the process. Its so weird still a credit card expecting a written letter with no customer service email XXXX  wait for XXXX for the response through mail. They can not put hold on the account XXXX  the interest is still being charged till I hear back through mail. This is really frustrating XXXX  poor service

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC has paid XXXX IRS payments on my behalf when the funds were low, and returned my rent payments without providing ample time to put funds in. The reason for my complaint today is, they have closed my account that was overdrawn {$190.00}. On XX/XX/XXXX they returned the payment back to the IRS, I have a copy of receipt showing it was returned back to the IRS on XXXX XXXX, 2026, but that does not reflect on the PNC account anymore. XX/XX/XXXX showed a XXXX balance because of the returned payments. But now the account has been charged off for {$190.00} for the XXXX payments that they paid, then returned back to vendors. And I have direct deposits coming to them that would have covered the overdrafts had they not returned the payments. I also have proof from the IRS that payment was returned on XXXX XXXX 2026, and my account is overdrawn the same amount that was returned back to vendors. They can not return the payments and keep the account overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation