vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding the denial of my fraud claim involving an unauthorized wire transfer of {$4000.00} from my account with Navy Federal Credit Union. On XXXX, I was contacted by an individual impersonating XXXX XXXX. The caller used spoofed caller ID and convincing language claiming that my account had been compromised. I was told that, in order to protect my funds, I needed to immediately transfer my money to a safe account. Believing I was speaking with my financial institution and acting to protect my account, I followed the instructions and initiated a wire transfer of {$4000.00}. This was not a voluntary transfer to a XXXX party. It was a fraud-induced transaction resulting from impersonation and social engineering. I did not intend to send money to a scammer and would not have done so had I known the true nature of the situation. I reported the fraud to Navy Federal on the same day the transaction occurred and requested a wire recall and fraud investigation. Despite this, my fraud claim was denied. Navy Federal stated : We determined you authorized and/or participated in the activity, and therefore held me responsible for the transaction. I strongly dispute this determination. While I physically initiated the transfer, I did so under false pretenses created by an impersonation scam. This was not informed or legitimate authorization. I am requesting a full review of this case, including reconsideration of the fraud classification and evaluation of whether appropriate fraud prevention and wire recall procedures were followed once the transaction was reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I previously had my mortgage with XXXX XXXX which recently beginning of this year sent it to Rocket Mortgage. Since my very first payment they have applied the monies incorrectly. I did speak to a manager named XXXX around XXXX weeks ago who informed me she would apply the money that was incorrectly applied to fees and apply it towards my XXXX XXXX. She then stated that I would only have to pay the difference after they applied the {$1800.00} which I did ( {$700.00} ) on XXXX. When I noticed it still shows I owed for XXXX I called again which I think spoke to a manager and her name was XXXX. She told me that she would submit the change and that I would get an email stating my account is fine. That was on XXXX. In the meantime I pay {$1400.00} every XXXX weeks so today XXXX the {$1400.00} that I sent is now been applied to XXXX!! which it is the first installment for XXXX. This is absurd that I am a new customer coming from another bank and I can not even get them to respond and correct the issue that they caused. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: MD

Complaint narrative:
I had issues with scammers fraudulently taking money from my account. I also had issues where I couldnt receive money from people that were sending me money. I had an issue where somebody took money from my account without my authorization, and I was unable to receive any type of assistance from anyone to customer service. Cash App does not have any live person to speak to. When you you try to chat with them its no results and the issue is never resolving your issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
opened savings account with CITI BANK, have only had it a few weeks, had issues putting money into the account the app would fail while I was trying to put it in or it would tell me my account was locked and I had to call customer services, customer services would pass me around XXXX people and tell me nothing was wrong. I finally had enough and called them and tried to close the accountXXXX firstly i emptied my account by putting the complete amount in a payment to my Citi credit card and zeroed the account then I called them on Saturday XXXX XXXX to close the savings account, I got bounced around another few people and eventually they told me the account was closed but it would take a XXXX of days ( i assumed it was because it was a Saturday ). XXXX I checked the account today and the account is not closed and there is a balance on there for XXXX XXXXXXXX so i owe them money apparently I'm not worried about the XXXX except the account won't let me pay it I know they won't close this account if there is a deficit so I believe this to be some sort of ploy, I called them XXXX times again today again getting connected to different people then the call drops, these people also have accent that are extremely difficult to understand i couldn't face a XXXX call, I need help please. 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 monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Washington Trust Bank Financial Corporation
State: ID

Complaint narrative:
Under distressful conditions I was forced to turn my debt card over to the scammers. They took the card under false pretenses. When I discovered what was happening I involved the police which resulted in case # XXXX and myself helping to set up sting to catch the suspects. The result was catching XXXX of the suspects with a charge of Grand Theft against her alone with another case that the police can charge her with. While all of this was happening the scammers gained access to my Washington Trust account. The scammers transferred all the money from XXXX savings accounts amounting to approximately {$1300.00} and a Line Of Credit that I was not aware that I had for {$10000.00}. I also had approximately {$900.00} in my checking account. The scammers proceed from there to withdraw all the money with my debt card. Washington Trust said that I gave the authority to use my card when I unwilling gave it to the scammers through a share ride company called XXXX. All my contact with the scammers was over the phone. Washington Trust Bank is also making me responsible for the XXXX XXXX XXXX loan that I did not authorize the scammers to take. Washington Trust Bank took approximately {$26000.00} from which include the denial of the fraud action on my plus making me responsible for the {$10000.00} XXXX loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Plaintiffs online transportation today was made through * Fandule * Sports betting with Username & Password Recognized. After this Plaintiff tried PNC XXXX XXXX XXXXXXXX XXXX XXXX was denied access " Stating Incorrect '' User Name & Password. XXXX Account of {$600.00} was - {$390.00}. There was a XXXX XXXX transition For {$200.00} made Why is there a remainder of " {$390.00} left if this was a bank Transaction & not ATM. Federal Bureau Investigation was contacted due to numerous Online Misconduct with Plaintiffs Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
See attached docs ... Everything is listed in the Police Report Letter and Appeal Letter to Wells Fargo Bank.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I pulled my report in XX/XX/year> and noticed they were reporting the account. I reached out in writing and requested that they verifiy the debt with specific items. They sent me a letter including nothing with verification just saying it verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report Account XXXX alleged balance {$4700.00} original creditor Citibank N.A. XXXX XXXX XXXX is a debt buyer. Under FDCPA 15 U.S.C. 1692g I formally demanded they produce via certified mail on XX/XX/year> : ( XXXX ) original signed Citibank contract with my signature, ( XXXX ) complete payment history from Citibank from account opening through charge-off, ( XXXX ) documentation of how they got assigned to collect from Citibank, XXXX XXXX ) complete chain of assignment from Citibank N.A . to all intermediaries to XXXX XXXX XXXX, ( XXXX ) bill of sale showing what XXXX paid to acquire this Citibank debt, ( XXXX ) license to collect in Pennsylvania. The personal information associated with this account contains addresses that have never been mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making identity verification impossible. My correct address is XXXX XXXX XXXX XXXX PA XXXX, confirmed by U.S. Passport No. XXXX and Pennsylvania Drivers License. If XXXX can not produce all XXXX required items this debt is unvalidated and must be deleted from all XXXX bureaus under FDCPA XXXX ( b ).

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 2026-04-13 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Made a payment to XXXX on XX/XX/year>. Payment still not showing on credit card balance as of XXXX on XX/XX/year>. When I called to ask why it not refelecting an accurate balance, XXXX representative said they were holding my payment ( it already cleared my bank savings account ) and would reflect the payment on my XXXX credit card on the XXXX of XXXX. No reasonable action as to why.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I submitted multiple disputes involving the same merchant ( XXXX XXXX XXXX ) for similar issues involving unsafe and unsanitary conditions. For a prior dispute, a provisional credit was issued and the merchant later refunded the charge. For my current dispute, I was denied a provisional credit despite similar circumstances. I have received inconsistent information regarding timelines, being told XXXX days, then XXXX days, and now up to XXXX days. I requested clarification on provisional credit eligibility, decision criteria, and confirmation that my documentation was reviewed, but did not receive clear answers. This dispute is not based on preference. The services provided were not safe or habitable, and I submitted supporting evidence and filed a XXXX complaint. I am requesting consistent handling, transparency, and a fair review of my dispute.

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 2026-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Launch Servicing LLC and their attempts to collect on an alleged debt without providing proper and complete validation or documentation of their legal authority. This account originated with XXXX and was later transferred to XXXX XXXX XXXX, XXXX. It is now being serviced and/or collected by Launch Servicing LLC XXXX While I was provided a copy of the original contract, this alone does not satisfy my request for full debt validation. To date, I have not been provided with documentation demonstrating the complete chain of ownership and assignment of this account. Specifically, I have not received proof showing the legal transfer of the contract from XXXX to XXXX, and from XXXX to Launch Servicing LLC. Without this documentation, there is no clear evidence that Launch Servicing has the legal authority to collect on this debt. Additionally, I did not receive a proper validation notice as required under the Fair Debt Collection Practices Act, including clear disclosures of my rights to dispute the debt. Despite this, collection activity has continued. Furthermore, although I am being held responsible for payment, the original terms of the agreement are not being honored. A key component of my decision to enter into this agreement was a 25-year warranty, which has not been upheld following the transfer of the account. This creates an unfair situation where I am expected to fulfill payment obligations while the original contractual protections are not being maintained. I have made multiple good-faith attempts to resolve this matter directly, including submitting a formal dispute and requesting full documentation. However, I have not received sufficient information to verify : * The legal ownership of the debt * The authority of Launch Servicing LLC to collect * A complete and accurate accounting of the balance * An explanation regarding the failure to honor the original warranty terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I pulled my credit report in XX/XX/year> and saw the account. I reached out to the collection agency in writing requesting validation. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX regarding inaccurate, misleading, and unverifiable reporting of an account, as well as failure to provide sufficient validation after a formal dispute. On XX/XX/year>, I mailed a written dispute to XXXX regarding this account. The dispute was delivered via certified mail on XX/XX/year>. On XX/XX/year>, XXXX responded ; however, the response consisted primarily of generic documentation, including an open-end line of credit agreement, disclosures, and a basic account summary. The documentation provided does not constitute proper validation. It does not include a complete itemization of the alleged balance, does not sufficiently establish the accuracy of the amount being reported, and does not provide documentation demonstrating current ownership or a clear chain of title. XXXX has also stated that the account was sold to XXXX XXXX. My credit reports confirm that the account has been sold or transferred. Despite this, XXXX continues to report this account as a derogatory account. On XXXX, the account is reported as a collection account with a {$0.00} balance and includes remarks indicating that it was sold and purchased by another lender. On XXXX the account is reported as sold ; was in collection, also with a {$0.00} balance. These reporting statuses confirm that XXXX no longer owns the account, yet they continue to report negative account history. At the same time, I have received collection communications from XXXX XXXX attempting to collect the same alleged debt. No party has provided clear, sufficient, and verifiable documentation establishing ownership, authority to collect, or the accuracy of the reported information. Because XXXX has acknowledged the sale of the account, failed to provide sufficient validation in response to my dispute, and continues to report derogatory information despite the transfer, the information being furnished is misleading, incomplete, and can not be reliably verified. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and capable of being verified. That standard has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: EDvantage LLC
State: CO

Complaint narrative:
I enrolled in a cybersecurity program that was misrepresented at the time of enrollment. The program was marketed as a structured, high-quality training program, but the services provided did not match what was promised. Instruction was inconsistent, and I have evidence that instructors were not being paid, which directly impacted the quality and delivery of the program. Despite this, I am being held responsible for a loan tied to services that were not properly provided. I have disputed this account with the credit bureaus due to inaccurate and invalid reporting. This situation has caused financial harm, and I am requesting investigation and removal of this debt, as the services were not delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I enrolled in National Debt Reliefs debt settlement program around XX/XX/year>. The signed agreement presented the program as a lower-cost debt relief solution, showing an estimated program cost of {$31000.00} and total enrolled debt of {$43000.00}. I then made deposits into the dedicated savings account over time while National Debt Relief administered the program and negotiated with creditors. After reviewing the records, I learned that my deposits into the dedicated savings account totaled {$21000.00}. I also later learned that a XXXX loan was added to the program structure, and the final XXXX disclosure shows total payments on that loan of {$29000.00}. That means the combined burden tied to my deposits and the XXXX loan is about {$50000.00} if the loan runs to term. This is about {$19000.00} higher than the {$31000.00} estimated program cost National Debt Relief presented when I enrolled, and about {$7500.00} higher than the {$43000.00} enrolled debt shown in the agreement. My complaint is that the program was presented to me as a debt relief solution that would result in a substantially lower overall cost, but the actual structure left me with a much heavier financial burden. After paying into the program for years, I was directed into the XXXX XXXX XXXX which increased the total burden instead of delivering the lower-cost outcome I was led to expect. I requested records and a written explanation from National Debt Relief. I also disputed the difference between the estimated program cost shown at enrollment and the much higher burden shown by the later records. National Debt Relief sent documents, but when I sent my formal dispute and asked for a substantive written response, I was told I would receive XXXX within XXXX to XXXX business days. They did not meet that timeframe. After I followed up, they responded only that the matter had been escalated for further review, but they still did not provide a substantive response addressing the core issue. My concern is that the program, as presented and administered, did not deliver the debt relief outcome that was represented to me and instead left me with a significantly increased financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AK

Complaint narrative:
I have sent many letters to Jefferson Capital Systems, and they either ignore them or simply do not care. I have been attempting to resolve this debt many times this year. I sent a written letter on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Jefferson Capital has replied to none of those letters. All correspondence regarding this account must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Cavalry Portfolio Services , LLC related to an alleged debt from XXXX XXXX XXXX XXXX Bank in the amount of approximately {$1200.00}. Per tracking of certified mail, dispute was delivered on XX/XX/year>. A written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In my request, I asked for documentation including a signed agreement, full payment history, chain of assignment, date of first delinquency, and proof of licensing. As of today, I have not received any response or documentation from Cavalry Portfolio Services , LLC validating this alleged debt. Despite failing to provide validation, the company continues to report this account to consumer reporting agencies. This raises concerns regarding the accuracy and completeness of the information being furnished. I have made a good faith effort to resolve this matter and verify the debt, but the company has not complied with my request.

Company response to consumer: Closed with explanation