vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
On Thursday, XX/XX/XXXX, I called synchrony Bank to inquire about how my payment would be distributed because I have a deferred interest charge so I need to pay a larger amount for the next XXXX months to make sure the deferred interest payment is fulfilled by XX/XX/year>. I was informed by the representative that I spoke with that my payment would be distributed first to the the fixed payment of {$370.00} and any overage would go toward the deferred interest amount which wouldve been {$85.00}. I made a payment to be deducted from my bank on XX/XX/XXXX in the amount of {$460.00}. When I looked at my account today, I see that only {$30.00} was applied to the deferred interest charge and everything else was applied toward the fixed payment balance. On top of that I called to try to reach a live representative and after arguing with the AI I managed to get transferred and was on hold for over XXXX minutes and that was calling the number that is on the back of the CareCredit card. I looked online to find another phone number for synchrony and call a different number and after getting past AI I was able to speak with a representative in less than XXXX minutes. The representative was not able to help me, but she said she put in a form or something and that I should see the money moved to the correct balance within one to two cycles. This is unacceptable. And Im just wondering whats gon na happen when I make next months payment. Is this gon na continue until XXXX is here and the deferred interest charge is not paid in full because the money has been applied to the wrong charge. Synchrony needs to do better and dump AI we want to talk to a live person.

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 2026-05-28 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
This company reported this debt on XXXX XXXX. I have no clue of this company. The payment amount is {$2500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unauthorized XXXX XXXX deposit from my Wells Fargo checking account for the amount of {$980.00} for XXXX on XX/XX/year>.

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 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I transposed the last XXXX digits for our account on our tax refund for the XXXX IRS and our state of MI refund, so the bank deposited it into the wrong account which they admit to doing. However, they have yet to correct this issue since XX/XX/year>, and they have ignored the IRS notices. I have a letter from them that the money was put in the wrong account and that I need to contact my employer to which I called them and said it was our tax refund they said contact IRS, which I did but they are not responding to them. They have not corrected this and will not help us, this has been going on XXXX years. Can you please help? If I need to contact someone else, can you please direct me? IRS says to refer to XXXX the amount is XXXX for XXXX and XXXX from the XXXX of MI

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I tried sending $ XXXX to well fargo Routine number XXXX Account number XXXX From my saving account routine number XXXX Account number : XXXX I sent the transaction XX/XX/XXXX and it was reserved to me on the XXXX but I havent received it since then

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Account abuse / Request for Reinvestigation and Deletion To Whom It May Concern, I am writing to dispute the information appearing in my XXXX XXXX XXXX consumer report concerning an alleged unpaid negative balance / account abuse entry. I dispute the completeness, accuracy, and verification of this reporting and request a reasonable reinvestigation pursuant to 15 U.S.C. 1681i and review for compliance with 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 Account Name : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX RTN/ACCT # : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and verify the following information : 1. The full name of the financial institution that furnished the information. 2. The exact amount of the alleged unpaid negative balance. 3. The date the balance was created. 4. The date of first delinquency or closure ( if applicable ). 5. The transaction history used to calculate the balance. 6. The contractual or account basis showing I am responsible for the reported amount. 7. Whether fees, adjustments, or reversals were included in the balance. 8. The exact basis for labeling the account as account abuse instead of another account status. 9. Confirmation that all identifying information connected to this entry belongs to me and was matched accurately. If the information can not be completely verified, or if the reporting is inaccurate, incomplete, unsupported, or misleading, I request deletion of the disputed entry from my XXXX consumer file. Please provide : Written results of the reinvestigation ; The outcome of each disputed item ; An updated copy of my XXXX consumer report after completion. Enclosed are copies of identification and supporting documentation. Sincerely, 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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XX/XX/XXXX We acknowledge receipt of your final payment shown below : Payment : XXXX Date : XX/XX/XXXX This releases you from any further liability regarding obligations to the original creditor. COLUMBIA DEBT RECOVERY LLC DBA GENESIS further agrees to request full deletion of any negative information supplied to any credit bureau regarding this account. This update may take 30-60 days to complete. If you have any questions please contact the undersigned account representative. This does not release any other parties who may be obligated on the above account. Thank you for your payment. Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: GA

Complaint narrative:
I entered into a solar financing agreement through Sunlight Financial in connection with a solar installation by XXXX XXXX XXXX. During the sales process, XXXX XXXX represented that the company would cover the first 9 months of loan payments as part of the agreement and sales incentives. I relied on these representations when agreeing to the financing. After installation, XXXX XXXX only made XXXX payment before the company ceased operations and became subject to government lawsuits and allegations of deceptive business practices. I was then left responsible for the full monthly payment amount of approximately {$180.00} per month. In addition, the solar system has not produced the level of power and savings that were represented during the sales process. The expected production estimates and projected utility savings presented by the company have not matched the actual performance of the system. I relied on these representations when deciding to move forward with the financing agreement. I would not have entered this financing agreement under the same terms without the representation that the initial payments would be covered. The sales presentation also included projected savings and financial benefits that have not matched the reality of the system. I am now experiencing financial hardship and struggling to afford these payments. I am requesting that Sunlight Financial formally review this account, investigate the representations made during the sales process, and provide hardship assistance or other relief options. I believe the financing was obtained through misleading or deceptive representations connected to the installer relationship with 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 2026-05-28 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: Chime Financial Inc
State: TX

Complaint narrative:
I am formally disputing your denial of my fraud claim regarding unauthorized transactions made using my debit card. These charges were not authorized by me, and I did not give permission to any individual, company, or merchant to use my card information. The transactions included purchases for mobile games/app-related charges and a XXXX payment. I do not play mobile games, I do not have gaming accounts connected to my card, and I have never had XXXX service in my life. These transactions are clearly fraudulent and inconsistent with my normal account activity. After reporting the fraud, Chime issued me a replacement debit card, which further supports that my card information had been compromised. However, despite this, my dispute was denied based on alleged statements from the merchants claiming the transactions were authorized. I do not accept that conclusion. I am demanding the following immediately : Copies of all documentation, records, merchant responses, transaction details, IP/device information, and investigative findings used to deny my claim. Written proof showing how the transactions were supposedly authorized by me. Details regarding the method of verification conducted with the merchants. A full reinvestigation of my fraud claim pursuant to the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I reported these transactions as unauthorized, and I expect my consumer rights to be honored. If this matter is not resolved properly,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management is attempting to collect a debt but refuses to provide an itemized statement of charges or original billing statements. I have requested verification via phone, email, and mail. They have failed to provide verification but continue to send collection letters. This is a violation of the FDCPA. I want them to cease all collection activity until full statements are provided, or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Department of Education XXXX XXXX Account # : XXXX XXXX Account # : XXXX Issue : These student loan accounts are reported with incorrect statuses and inaccurate eligibility considerations related to discharge or account standing. The reporting fails to reflect accurate account conditions and has not been properly corrected following disputes. Violation/ Legal Basis : FCRA reporting accuracy requirements 34 CFR 682.202 ( federal student loan compliance standards )

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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: Chime Financial Inc
State: TX

Complaint narrative:
I had applied for a checking account with chime financial and was approved. What they also approved and I did not approve of a secured credit card. I would receive emails stating that I need to pay a secured deposit in which I called chime and spoke to a representative stating that they dont see an email saying that I have to pay for a secured credit card. I was then given a missed payment on my credit report in which I never intended on applying for as secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
COMPLAINT REGARDING UNAUTHORIZED 180-DAY HOLD ON PERSONAL FUNDS On XX/XX/year>, I conducted a legitimate, one-time personal asset sale of my used laptop to cover urgent, time-sensitive medical care for my daughter. The transaction went through PayPal in the amount of {$540.00}. The buyer has successfully received the item, and I have provided full tracking and delivery confirmation. There is zero risk of a buyer dispute or chargeback. Despite this being a clean, completed personal transaction, PayPal permanently closed my account and placed an arbitrary 180-day hold on my entire balance. PayPal customer service states that I can no longer appeal internally because the account status is finalized. Holding these funds causes extreme, immediate financial and personal hardship. PayPal is actively withholding my personal property, which is directly delaying critical medical treatment for a child. I demand that an Executive Reviewer manually bypass the automated 180-day hold rule and immediately release my full balance of {$540.00} via electronic transfer or physical check. Proof of delivery and medical necessity are attached to this complaint. The buyer, XXXX, has confirmed that the payment went through successfully on their end and they have no ability to recall it. PayPal has locked these funds erroneously on a closed account. This is a severe violation causing catastrophic financial hardship during a critical medical emergency for my child. I demand an immediate executive override to transfer my funds to my linked bank account. " In addition to releasing the core funds from the XXXX transaction, I demand that PayPal refund the {$16.00} transaction fee that was automatically deducted from the payout. PayPal processed this transaction and immediately locked the funds, completely depriving me of access to my money. Charging a processing fee while permanently freezing the entire balance is predatory and unjustifiable, especially during my ongoing family medical emergency. The full, gross amount sent by the buyer must be released to me without any fee deductions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my consumer credit report dated XX/XX/XXXX and discovered multiple hard inquiries that I do not recognize and did not authorize. These inquiries appear on my Experian and XXXX credit reports. The report summary shows XXXX Experian inquiries and XXXX XXXX inquiries, and the XXXX inquiry detail appears to list multiple inquiry entries that need review. XXXX inquiry information was not available or not reporting on this credit report. I believe my personal identifying information may have been used without my permission to apply for credit or attempt to access credit. I did not authorize these companies to pull my credit report, and I do not recognize the applications connected to these inquiries. The unauthorized inquiries include creditor/lender names such as SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and SYNCB/AEVISA XXXX The inquiry dates range from XX/XX/XXXX through XX/XX/XXXX. I am requesting that the companies and credit reporting agencies investigate whether each inquiry had permissible purpose. If permissible purpose can not be verified, I am requesting that the unauthorized inquiries be removed or blocked from my consumer credit reports. I am also requesting written confirmation of the investigation results and an updated credit report showing any corrections made. I have supporting documentation from my credit report showing the inquiry activity. I am prepared to provide additional documentation, including an FTC Identity Theft Report, proof of identity, proof of address, and a copy of the credit report identifying the unauthorized inquiries.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a XXXX student credit card account to begin responsibly building my credit as a college student. Prior to the issue involved in this complaint, I had successfully made payments on the account, including a payment of approximately {$150.00} that processed successfully. Around XX/XX/year>, I accidentally entered incorrect bank account information while attempting to submit a payment on my XXXX account. This was a genuine human typing mistake and was not fraud, intentional misuse, or an attempt to avoid payment. As soon as I realized the issue, I immediately attempted to correct it and continued communicating with XXXX regarding the situation. On XX/XX/year>, at approximately XXXX XXXX, I also submitted a payment of approximately {$35.00} that I intended to successfully process through my bank account. Throughout this process, I made every effort to communicate honestly and resolve the matter responsibly. I contacted XXXX multiple times after learning my account was under payment review. During one of the calls, I spoke with a representative named XXXX regarding the situation. I later spoke with another representative named XXXX, who was more understanding and helpful. I was also provided internal case reference number XXXX related to concerns I raised regarding my interaction with XXXX and the handling of the matter. Despite my efforts to correct the issue immediately and continue making payments, XXXX permanently closed my account following the payment review. I was informed multiple times that once the account is closed, it can not be reopened. I was also advised that I should apply for a new product instead, despite the closure occurring because of what I believe was a genuine and correctable mistake. This closure caused my XXXX XXXX to drop by approximately XXXX points. As a student actively trying to responsibly build credit, this has been extremely discouraging and financially stressful. I believe this situation deserved fair human review and discretion rather than being treated solely through an automated risk process without meaningful reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
I am filing this formal complaint against Village Capital & Investment LLC for an active violation of RESPA 60-day transfer protection rules ( 12 CFR 1024.33 ) and a failure to provide an immediate payoff resolution, putting my consumer credit at immediate risk. I closed a refinance of my primary residence with XXXX XXXX on XX/XX/year>. XXXX XXXX wired the full payoff funds to Village Capital on XX/XX/year>. Due to an administrative calculation error between the lenders regarding two separate payoff quotes ( XXXX from XX/XX/XXXX for {$340000.00} and an updated one from XX/XX/XXXX for {$340000.00} ), XXXXXXXX XXXX wire was short by {$1500.00}. Instead of holding the funds and notifying the closing agent of the gap, Village Capital rejected and completely returned the entire wire transfer. Furthermore, Village Capital is refusing to provide an immediate verbal payoff or fast-tracked document, stating it takes 3 to 7 business days just to generate a payoff statement. Because of Village Capital 's administrative rejection and delay, my loan remains active, daily interest is accumulating, a late fee has been unfairly assessed, and their automated system is threatening to report a 30-day delinquency on XX/XX/year>. Under RESPA guidelines ( 12 U.S. Code 2605 ), Village Capital is legally prohibited from reporting a loan as delinquent or transmitting adverse data to credit bureaus during the 60 days following a refinance/transfer transition. I have submitted a formal Notice of Error to their credit reporting team, but due to their 3-to-7 day delay, I require CFPB intervention to force Village Capital to place an immediate " Credit Bureau Hold / Dispute Flag '' on my account, waive all late fees, and freeze daily interest while XXXX XXXX delivers the corrective wire.

Company response to consumer: Closed with explanation