vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b"We returned our entire damaged XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX via XXXX XXXX XXXX.  We followed the XXXX online return instructions & policy exactly as specified.\n\nWe were never refunded XXXX.\n\nWe returned:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Qty: 1 (damaged). \n\nWe communicated with XXXX Customer Service Representatives regarding XXXX XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2025 and on Monday, XX/XX/2025 and XXXX Customer Service Representatives assured us the XXXX credit would be applied to the credit card within 10 days.  We received no such credit. \n\nConsequently, we contacted XXXX/Synchrony Bank dispute customer service on Monday, XX/XX/2025 & Monday, XX/XX/2025. We submitted all the paperwork documentation we had related to the transaction ID reference XXXX posted on XX/XX/2025 from XXXX XXXX in the amount of XXXX.\n\nWe received a call from SynchronyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that she needed our return XXXX tracking number XXXX for the XXXX XXXX  return.  On XX/XX/2025 we supplied XXXX with the required information.  XXXX voice mail says she will respond to a message within 48 hours.  We received no return call or email from Synchrony/XXXX XXXX XXXX. \n\nXXXX/Synchrony Bank's dispute customer service and/or Synchrony/XXXX XXXX XXXX did not properly process our multiple disputes regarding the XXXX credit due from XXXX XXXX.\n\nXXXX 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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: U.S. BANCORP
State: CA

Complaint narrative:
My XXXX XXXX XXXX with approximately XXXX miles was repossessed on XX/XX/XXXX. I did not receive the required Notice of Seizure within 48 hours, nor did I receive any Notice of Intent to Sell prior to the vehicle being sold. 



On XX/XX/XXXX, I received a letter from US Bank stating that the vehicle had already been sold on XX/XX/XXXX for {$110000.00}, and that I owe a deficiency balance of {$8100.00}. 



I believe the sale was not conducted in a commercially reasonable manner, as the vehicles fair market value was approximately {$130000.00} or higher at the time. I was not given the opportunity to redeem or reinstate the loan before the sale, which appears to violate California repossession laws and my consumer rights. 



I am requesting an investigation into whether US Bank failed to provide legally required notices and whether the deficiency balance is valid. I request that the deficiency be removed and that I receive full documentation of the repossession and sale process.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XX/XX/XXXX PulteGroup , Inc . 
XXXX XXXX XXXX, XXXX XXXX, GA XXXX United States To Whom It May Concern, Re : Demand for Refund of {$6000.00} Deposit I hope this letter finds you well. I am writing to formally request the immediate refund of the {$6000.00} deposit I paid for the property located at XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX. The deposit was made in XXXX installments : {$1000.00} on XX/XX/XXXX, and {$5000.00} on XX/XX/XXXX. Despite my previous attempts to resolve this matter, Pulte is informing me that I am not entitled to a refund.

Due to unexpected circumstances, we are no longer able to purchase this home. I am currently out on XXXX due to back issues, and while my employer was initially supposed to continue paying my salary during my leave, the insurance company has denied my claim. As a result, I will have to hire an attorney, which will likely be a lengthy process. Additionally, my aunt was supposed to assist with the down payment, but due to her owing taxes, she is no longer able to provide that support. 

We love this home, but unfortunately, these unforeseen events have created a significant hardship and a major barrier to purchasing the home, especially as I am unsure when I will receive any earnings. 

When I first went under contract, XXXX, the sales agent, indicated that if we were unable to obtain financing, any and all deposits would be returned. I am now asking Pulte to adhere to what was disclosed to me at the time of the contract. 

I would love the option to move forward with a lower-priced home, but without any income, I wouldnt even be approved for a mortgage. Therefore, we are relying on the return of the deposit to help us get through the next two months to pay rent and avoid eviction. I was informed that the appeals process could take at least 45 days, which further complicates our situation. 

Given these circumstances, I am requesting the immediate return of the {$6000.00} deposit. We are currently behind on our rent and need the refund to avoid eviction. This situation is critical, and I urgently need to know when we can expect our down payment to be returned. 

Please consider this letter as my final request for resolution before I explore further options, including filing complaints with the XXXX XXXX XXXX, the State Attorney Generals Office, and/or pursuing legal action to recover the deposit amount, along with any associated costs or damages. 

I expect a response by the end of business today, XX/XX/XXXX. Failure to provide the refund or a satisfactory response will leave me no choice but to escalate this matter. 

Please contact me at XXXX or XXXX to discuss this further. I appreciate your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services is collecting a debt from original creditors progressive of {$910.00}. This is a fraudulent debt and I never signed up for this or any accts with XXXX. Im asking for this debt thats being reported on all XXXX credit bureaus, XXXX, XXXX  and XXXX to be removed immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had Synchrony 's Care Credit for years. Maybe 5-7 years ago they misallocated a payment- it did not go to the balance due first, but one due down the road ( there is no interest if you pay a balance off within 6 months ). 

First time it happened I called in, was told they had no idea why it happened and would investigate. The problem was resolved for several years. 

In the past couple years, they have CONSTANTLY misallocated payment. Instead of money going to the balance due the next month, part has been applied to balances due months from now. 

I believe it is their way of making people pay interest on their balances because balances are not paid off in a timely manner. 

I have called in REPEATEDLY about this problem. I've talked to supervisors about this problem. I've been told it would be investigated. Nothing is ever done. The misallocation happens time and time again. I've even been told I have to call in EVERY TIME I make a payment to be sure payment is allocated like I want. 

I finally emailed the CEO. Got an acknowledgement, but nothing was done. Took repeated emails and then finally got a response in XXXX telling me it would be investigated. Tried calling to talk to the woman investigating. Never heard back. 

Now I get a letter basically saying they could do whatever they want, and I am supposed to call in every time I make a payment. Who has time for that??? 

No other credit card operates in this manner. I am now actively looking for another credit card to rely on for vet bills, because Care Credit is either inept, or greedy ( wanting people to pay sky-high interest payments ) or both.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had an account with Oportun / XXXX that was officially closed on XX/XX/2023. 

Despite the account being closed, another company has been contacting me attempting to collect on a debt that I do not owe. I have not opened any new account and the original lender is no longer active on this account. 

I did not authorize my information to be shared or transferred for collection purposes after the account was closed. 

I am being contacted regarding a balance that is not owed. 

I am requesting that : All collection attempts stop immediately Any company attempting to collect on this closed account cease contacting me Any information related to this account not be transferred or used for collection Written confirmation be provided that no balance is owed This account was closed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased airline tickets through XXXX in the amount of {$4300.00} using my Discover credit card. 

On XX/XX/XXXX at XXXX XXXX EST, I received written confirmation from the merchant stating that the reservation had been canceled per my request and that the full amount of {$4300.00} would be refunded to my original payment method within 710 business days. 

No refund was ever issued. 

Additionally, the itinerary issued by the merchant materially differed from what was requested. The booking included additional domestic flight segments that were never requested or authorized. 

The operating carrier for the primary international segment ( XXXX XXXX ) has confirmed in writing that neither passenger traveled and that no valid ticket was flown. The airline specifically confirmed that no transportation was provided on the scheduled flight. 

I filed a dispute with Discover under the Fair Credit Billing Act on the basis that : 1. Services were not rendered 2. The itinerary was materially different from what was agreed 3. The merchant failed to issue a promised refund when the merchant e-mailed a confirmation showing it was within the refund window. 

Discover initially issued a temporary credit but later reversed it after accepting documentation submitted by the merchant. The merchant relied on internal XXXX status codes to claim the tickets were used. However, this directly contradicts the written confirmation from the operating airline that no travel occurred and no ticket was flown. 

Discovers final decision letter dated XX/XX/XXXX states that the charge was found to be valid based on the merchants documentation, despite the airlines confirmation that no service was provided and despite the merchants written promise of a refund. 

I believe Discover failed to properly evaluate independent third-party evidence from the airline and instead relied solely on the merchants internal screenshots. As a result, I am being held liable for {$4300.00} for services that were never provided and for which a refund was explicitly promised in writing. 

I am requesting that Discover properly review the evidence and reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I want proof that this debt belongs to me. My information and credit was compromised. I disputed this information and they have yet to send me proof. I would like this to be taken off my credit. It is hurting my credit scores.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I still have not had anyone to say they counted the atm for my deposit of XXXX on XX/XX/year>. They keep saying there is no overage but credited XXXX XXXX to my account the customer behavioral data shows I made the deposits and they sill wont ad my credit. I asked if they knew how to handle the atm and i was told a third party does the service and if that is the case they need a new service company someone had to take my money after the atm was service I need the company who serviced the atm after the hardware failure to enlighten them on how if a atm has a hardware failure there would not be overage cause the money was counted and adde to the bank. I was told my money is insured so please I need my money back someone has to count this atm or read the total balance report cause I hate to file a small claim to have to receive my money back

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 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX made multiple errors servicing loan in XXXX XXXX auto debit wrong bank account and routing numbers on XXXX auto draft form.Initially lender repeatedly blamed borrower of making errors on bank account info or having insufficient funds. XXXX confirmed with XXXX account had over the amount to pay mortgage. XXXX voided check. Causing borrower bank account be in overdraft due to multiple auto drafts. Late penalities, XXXX XXXX damage false reports of being late. XXXX reversed payments after borrower reported them to CFPB and XXXXXXXX XXXX XXXX XXXX Stated borrower was current if she paid XXXX mortgage then continuing to insist borrower is XXXX XXXX months behind. Forced borrower to apply for second loan modification which could make equity under water. XXXX instructed borrower not to pay XXXX XXXX mortgage to give borrower time to save up since lender overdrafted my account then the next day reported me falsely as being late to credit bureaus dropping my XXXX XXXX again significantly. Incurring overdraft fees bank. XXXX had planned to try make payment in XXXX but now overdraft have to pay in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I obtained an installment loan of {$2000.00} from Uprova Credit , LLC ( affiliated with the XXXX XXXX XXXX XXXX XXXX XXXX ) around XX/XX/XXXX. The loan carried an extremely high effective interest rate, as shown in my payment historyfor example, my last payment on XX/XX/XXXX, was {$130.00}, with only {$50.00} applied to principal and {$81.00} to interest. This implies rates well over 500 % APR. 

Uprova is not licensed by the California Department of Financial Protection and Innovation ( DFPI ) to offer consumer loans in California. The rates exceed XXXX usury limits ( generally 10 % for unlicensed lenders or up to approximately 36 % under laws like the Fair Access to Credit Act ). California courts have ruled in similar tribal-affiliated lending cases that such loans are often void or unenforceable when made to non-tribal residents, due to evasion of state licensing and usury laws ( e.g., precedents from the XXXX California Supreme Court decision in People ex rel. XXXX v. XXXX XXXX XXXX denying tribal immunity for these setups ). 

The loan is now in Charge Off status, with a claimed remaining balance of approximately {$1900.00} ( including {$1700.00} remaining principal ). I have made no payments since XX/XX/XXXX. Despite this, I continue to receive emails from Uprova demanding payment, settlement arrangements, or one-time payments. No negative entry has appeared on my credit reports from XXXX XXXX XXXX XXXX as of my recent checks. 

I believe these ongoing collection efforts on a potentially illegal and unenforceable debt violate federal consumer protection laws, including unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( CFPA ). I have revoked any prior ACH authorization.

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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: WA

Complaint narrative:
On XX/XX/year>, I paid my XXXX account in full. This payment was successfully processed and is reflected on my bank statement. 

Despite the account being fully satisfied, XXXX later placed the paid account into collections and has continued attempting to collect on a balance that does not exist. 

I have also received text messages regarding this paid debt. I did not authorize continued contact after the account was paid in full. 

Attempting to collect on a satisfied debt and reporting an already-paid account to collections is inaccurate and improper. Continued contact regarding a non-existent balance is unwarranted. 

I am requesting that CashCentral : Immediately cease all collection communications, including text messages Remove any collection placement related to this account Correct any inaccurate reporting associated with this paid debt Provide written confirmation that the account reflects a XXXX balance I have documentation showing the payment was completed on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
In XX/XX/XXXX, I formally disputed inaccurate information appearing on my credit report with both the credit reporting agencies and the company involved. 

The company is reporting two 30-day late payments for XX/XX/XXXX and XX/XX/XXXX on an auto loan account. These late payments were disputed in writing, and I requested verification, including billing statements and a full payment history. The late payments remain on my credit report, and no documentary proof has been provided to support their accuracy. 

In addition, multiple hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I did not authorize these inquiries and requested proof of permissible purpose. The inquiries remain without documentation showing written authorization. 

I also disputed inaccurate address information that is not associated with my current residence. Although I submitted documentation to verify my current address, the disputed addresses have not been fully removed. 

As of XX/XX/XXXX, the inaccurate late payments, unauthorized inquiries, and incorrect personal information continue to be reported despite prior disputes. I am requesting that the companies involved conduct lawful and reasonable investigations and remove any information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 USC 1692g of the Fair Debt Collection Practices ACT ( FSCPA ) and 15 USC 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation, violates the FDCPA, specifically : - 15 U.S.C 1692e - False or Misleading Representation - 15 U.S.C 1692f - Unfair practices- 15 U.S.C 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and my State Attorney General and pursue civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation