vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I called Ally Financial Bank, on XX/XX/year> at XXXX in the morning. I asked how much do I have to pay to pay off my vehicle, the representative said around XXXX, then he said XXXX, I asked if it can go any lower, he said no the price is XXXX. I agreed and made the payment to pay off the car at XXXX. The money was instantly deducted from my checking account. Then I asked, since I made the payment, am I going to receive the title, and then He said I would receive the title in 45 days, I said I needed to register in PA, and he said I would receive a release letter I would be able to register it with a temporary title in 10 days. Then he said the payment is verified congratulations on paying off your car. While this was all happening my vehicle was already at the mechanic shop, the mechanic called me and said he filed a police report because he thought someone stole the vehicle, it was repossessed by the bank he said the police officer said. Ive tried contacting the bank, they refuse any of this was said by the representative and are not cooperating with me they now want XXXX and are increasing the amount everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: OH

Complaint narrative:
I filed a complaint with Chime about someone who called me from what I thought was the fraud department from Chime and asked me some questions, and knew about the transactions that I had made that day, and they said that my account had been hacked, and they transferred the money from my Chime checking account to a XXXX account, which I did not give them premission to do so and they did it without me knowing, and they would not fix it for me and i have emails from chime with all the information and it happened on XX/XX/year> and i saved the number that they called me from. The amount that they transferred was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Subject : Violation of Regulation CC ( Next-Day Availability ) - Refusal to Release Cleared U.SXXXX Treasury Funds On Tuesday, XX/XX/year>, I deposited a valid U.S. Treasury tax refund check in the amount of {$2700.00} at a proprietary Bank of America ATM XXXX The ATM 's automated system incorrectly placed an exception hold on the deposit until XX/XX/XXXX, citing " information indicating the check may be returned '' under 12 CFR 229.13 ( e ). Because this is a U.S. Treasury check drawn on the federal government, it can not bounce for insufficient funds. I contacted Bank of America customer service on XX/XX/XXXX and XX/XX/XXXX to request a manual visual review of the Check 21 digital image to verify the Treasury security markers. Supervisory personnel explicitly refused to execute a manual review or lift the hold, citing vague " processing '' delays and refusing to provide a legally valid, factual reason for maintaining the exception hold on a government check. The Federal Reserve has already settled these funds. By maintaining this hold, Bank of America is utilizing an automated algorithm to circumvent the Next-Day Availability mandate for U.S. Treasury checks outlined in 12 CFR 229.10 ( c ), and they are unlawfully holding cleared government funds without a factual basis for an exception. I am requesting the immediate release of the {$2700.00} into my available balance, as required by the Expedited Funds Availability Act. XXXX Date : XX/XX/year> 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 2026-03-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was overcharged {$72.00} by XXXX in the XXXX in XX/XX/XXXX. I contacted Citibank Visa to file a dispute. They never sent me the dispute forms. They finally wrote on XX/XX/XXXX saying they had closed my dispute without ever sending me the forms to file it. I phoned and they said yes it hadn't gone out, so they would reopen the complaint and send me the forms. Once I received the forms, I filled them out emailed them back with a detailed letter, receipts, photos, etc. on XXXX XXXX explaining the {$72.00} unauthorized overcharge. ( time stamped email and forms attached ) - On XX/XX/XXXX they sent a new form letter asking again for the information I sent previously, and to submit it by XX/XX/XXXX. - I duly filled out and emailed this form back to them on XX/XX/XXXX, as well as including the previously letter with all the evidence. ( time stamped email and forms attached ) - On XX/XX/XXXX they sent an email with a web link to a scan of a letter dated XX/XX/XXXX ( attached ) saying they had closed my complaint ( without addressing it ) since it was submitted too late?! But I submitted it everything as requested. Why close it when they had received my letters and their own forms by their self imposed deadlines? The consumer should not be punished for Citibank 's own incompetence and slowness in addressing the dispute. Simply refusing to address it is not a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood closed my account and transferred all my money out. I had a total of XXXX and they sent XXXX to my checking account. But they sent XXXX to my debit card that i closed a year ago and removed the method of deposit from them a year ago. They told me to contact my bank which i did and the bank never got the money because my account is closed. Robinhood hasnt responded back and its been over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX on XXXX order number XXXX. It was delivered the same day. On XX/XX/XXXX, I reached out to XXXX customer service to inform them the tv stopped working. I informed them that I do not have the transportation to take the tv to the store as I drive a smaller car and I requested a delivery initially. After back and forth with the agents, I finally got someone who said they would sent out XXXX XXXX. There was some back and forth with them as well due to the XXXX rep never explained the process. XXXX did come pick up the tv on XX/XX/XXXX. When I asked the delivery driver if he could get me a tracking number or receipt, he said they didnt have one and they didnt give those out. I called XXXX back to see what happened to my refund and they informed me that they would be issuing a replacement instead. I waited another week and called back and they told me they couldnt issue a replacement instead they had to issue a refund. I asked about the refund and they said they do not have information on the tracking number. After more back and forth, I realized that they had the incorrect tracking number. I then gave them the tracking number XXXX in which they said they saw that the tv was in transit. They said once the tv was delivered were an refund would be issued. Somehow, the tv never for delivered until XX/XX/XXXX. I reached back out to figure out where my refund was and was given the run around. Mind you, all of the representatives made promises about following up and sending an email and never followed through. Finally, in XXXX, a rep said I would need to file a dispute with my bank Navy Federal. I filed the dispute in which the banking rep was shocked that I was told to just file a dispute. After 45 days, my bank denied the dispute stating that since it was considered a known purchase and I followed the process to return it, XXXX would be the responsible party to issue a refund. So I reached back out to XXXX customer service and was given the run around some more. Today, I was told I had to reach out to you all to resolve it because they couldnt help. After months of back and forth and lies, this was their only resolution to my issue. Now Im without a tv, my money, and time. I should be compensated far more than what I spent on the tv but at this point I just want what I paid. Ive been dealing with this for so long that the tv is no longer worth the amount I paid for it. This is downright theft. They took my money and never delivered a product. XXXX is a multimillion dollar company and the fact they think its acceptable to steal from consumers is insane. Im not fitting Navy Federal as they are correct. XXXX is responsible for providing a resolution. Here are the incident numbers from XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: MN

Complaint narrative:
I requested cash advance in the amount of {$3000.00} to be sent to my account. However, the fund was sent to another account that isn't mine. Discover charged me the fees and late fees for the money I've never received. I've tried to call them to resolve the issues over the past 6 months, but they offered no assistance. I want to file a police report regarding the issue. I need Discover to provide me with the letter or bank statement to show the full account number where the fund was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Caine & Weiner is attempting to collect a debt of {$660.00} on behalf of XXXX XXXX XXXX that I do not owe. I have never authorized or incurred this debt. I request that Caine & Weiner provide verification of the debt. If they can not verify it, I request that the debt be removed from my credit report and that all collection efforts cease immediately. I have attached supporting documents including my credit report showing the account and any correspondence I have received. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My credit dropped, For the XXXX time I wad denied credit card. Checking XX/XX/XXXX there was a PennyMac loan XX/XX/XXXXand balance that wasnt mine. I disputed it XX/XX/XXXX times in XX/XX/XXXX but it came back Verified and Accurate. On XX/XX/XXXX I called PennyMac the customer rep couldnt find the loanXX/XX/XXXXXXXX but when she contacted the credit depart, She was told that this account loan XX/XX/XXXX is opened and balance of {$95000.00} is verified and accurate. I spoke to supervisors and then XXXX XXXX, Research and Correspondence. He told me that the XX/XX/XXXXloan number was active until XXXX when I asked to add revocable trust to the title. XX/XX/XXXX I was sold that they sold my loan. When I read him the Federal Garn- St. Germain Act that prohibits calling a mortgage for transfer to a trust he the said that they transferred my trust to the a new loan in XX/XX/XXXX. But they refused to close the XXXX loan. I told him that there is a law that the lender must update the account to indicate that it has been transferred & no longer active. It should be marked as Closed-Account Transfer with a XXXX balance. XXXX said that they wont do this. I have sent emails to him and the President of PennyMac, XXXX XXXX as well as certified letters. I have also asked for proof that that first account was mine. I have ask for proof that they actually transferred my loan. They wont tell me why they wont close the account. They are telling me that the transfer happened in XXXX told in XX/XX/XXXX then XX/XX/XXXX but a online statement ( which is no longer available to me shows the current loan XX/XX/XXXX in XXXX. I have request all of the dated documents of the original loan XX/XX/XXXX and the transferred loanXX/XX/XXXX many times since XXXX. But they refuse to give it to me. XXXX XXXX, Research. stated that I have XXXX account but they close that first number as required by the law. I called but she refused to speak with me. I was told that she said that she wrote a letter to my request and now the matter is closed. The original loan XX/XX/XXXX is XXXX and the amount is {$95000.00}. This is what XX/XX/XXXX is reporting and what PennyMacs credit department is listing as Verified and Accurate. I dont want to have XXXX accounts opened with XXXX. My current loan XX/XX/XXXX is XXXX and my balance is less {$68000.00}. Im so stressed out over this. Its hurting my credit score, chance of getting a credit report even my auto insurance quote went up after checking the credit score. I feel that they are hiding something, why else would they not follow the Fair Credit Reporting Act and mark the Account Closed-Transferred with a XXXX balance. I really need your help with this. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My credit report showed a Hard Inquiry on XXXX XXXX, 2026, I received a text message on XX/XX/scrub> 2026 that my new card was ready to be activated although I had never applied to get one. Received a credit card in the mail with my last name spelled wrong ready to be activated. I called the company that issued the card to cancel it and they said it would be canceled and that a fraud claim would start.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: AK

Complaint narrative:
On XXXX XX/XX/2026, I received a notification from XX/XX/XXXXthat there was an issue with my credit. I visited the website to see that a debt had been placed on my credit report for non payment. I called Synergetic Communications to identify the debt. I told them that I had not received notification of the debt and that I would like a document explaining the debt sent to my email address. They refused to send any notifications of debt unless I provided them my home address. I told them I didn't feel comfortable doing that and eventually I was transferred to a " manager '' that could help. I was never given the opportunity to verify the debt and nothing was sent to me after I provided my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
XX/XX/year> : Contacted XXXX department to open a XXXX claim tryi g to open XXXX on the mobile app but not working. Claim opened and requested my account will be credited the amount of the XXXX transaction. The XXXX stated that no worries they will not charged my account with overdraft fees. Transaction was just coming in on Sat. XXXX Called back XXXX no credit in my checking. I didnt have XXXX XXXX XXXX XXXX groceries. XXXX said they were still investigating and could not issue a credit. XXXX called XXXX XXXX XXXX said that they were not going to credit my account because the claim was invalid they talked to the merchant. I explained to XXXX that If I am the Chase customer they needed to protect me ftom a XXXX transaction. I never authorize this company to draw auto pay. The XXXX hung up. I visited the Chase branch at XXXX and XXXX XXXX XXXX XXXX in XXXX Fl in person at XXXX and XXXX ( he did not want to disclose his last name ) told me no one could see me. He was working as a XXXX helping a vustomer. I thought he was very rude with the customer he was helping because he stopped to tell me that. He was very unpleasant. I was talking to the XXXX standing next to him and apparently she is new and could not answer sny questions. Now the customer XXXX was helping was now lustening yo my inquiry, no respect for my privacy. I tried to close my account and again XXXX was the one who answered letting everyone at the XXXX line lnow that I could not close the account because it was overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | ( XXXX ) XXXX Account Number : XXXX XXXXXXXX {$320.00} To Whom It May Concern : I never had this insurance for any vehicle. This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: LA

Complaint narrative:
Please help. This account has XXXX me tremendously. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX % accurate. Until they provide competent evidence that validates the debt including a signed agreement, full account history, and verification of their authority to collect the company must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Well this collection done been deleted previous somehow they sold it to someone else in the keep sending text messages demanding for payment and also put it back on my credit report the amount is for XXXX for an XXXX XXXX XXXX account i do not acknowledge this account everytime i getnit deleted they sale it to a new company and hinder my credit report with this collections it was once radius solutions now its a new collection company took over it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I requested validation of this debt on XX/XX/year>, but I have not received adequate documentation proving that this debt is mine and that Waypoint has the legal right to collect it. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting : XXXX. Immediate investigation of this matter. XXXX. Written verification of the debt. XXXX. That all collection activity cease until proper validation is provided. XXXX. Correction or removal of any inaccurate information reported to credit bureaus. Please respond to this complaint in writing.

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