vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am writing to formally dispute a series of overdraft fees charged to my account by Wells Fargo within a single month, which I believe exemplify the bank 's pattern of unfair and deceptive practices. 

In total, XXXX overdraft fees have been assessed in this period. While I initially did not contest the first fee, the situation escalated last week when XXXX separate overdraft fees were applied to our accounts simultaneously. Notably, my wife was only notified of these charges via email after they were levied. 

Furthermore, the communication from Wells Fargo has been profoundly confusing and contradictory. I received a message stating I had " one extra day '' to cover an overdraft, despite having already satisfied the balance the same night, they still proceeded with the charges. The justification that this was " technically before midnight '' is unclear and feels like a manipulative rationale for an unjust charge. Because of these charges I had another overdraft fee today of {$35.00} which could have been avoided if they didn't charge us XXXX simultaneously. 
I also attached the late email sent to my wife after the charges This experience is not an isolated incident but reflects a well-documented and systemic pattern at Wells Fargo of generating excessive fees through opaque policies and confusing communications. Charging multiple fees in rapid successionespecially without proactive, clear noticeconstitutes an abusive practice that places an undue burden on customers.

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 2025-12-30 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received letter requesting more identity information

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Due to tariffs, my husband was laid off. In XXXX I did an online deferment for 1 month, as that was the only option available. I called and was told to call back to make further arrangements ( no other information ) I was never told nor was it an option to defer longer. If so that would have been my first request. I called XX/XX/year> and asked if I could defer it longer because we were still unemployed. The lady told me there was no other options and I would have to pay for 6 months in order to do another deferment. She transferred me to supervisor who then said the same thing over and over. She said I should have selected longerand said I never called and spoke with anyone. I mentioned there was no other option on the website and that I called and was not given that information. She brought up that there was a government shutdown one and I should have said government shutdown from the beginning. I told her I do not work there. Customers do not know the exact verb-age you need to hear. She was extremely condescending and acted like I was lying. I told her per your website it says with the correct documentation you can do a loan deferral from 1-3 months. I have unemployment claim documentation needed for that. I was never given that option. We are just not back on our feet and will get a paycheck in XXXX. I mentioned I could begin making regular payments at end of XXXX. I would like help with getting back on track. They did not offer any assistance or any empathy for the situation at hand.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/25, XX/XX/25, and XX/XX/25... 

I feel that I am being targeted after filing a complaint with the CFPB. I have complied with all of capitol ones ' request and definitely feel like I am a target of discrimination because I file the previous claim. The organiztion is taking a real hands-off approach with me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, XXXX XXXX RE : Validation for Account No. ( XXXX ) To Whom It May Concern, This letter is in response to your contact email on XX/XX/year> at XXXX about the alleged Debt XXXX XXXX  you have identified. This is neither an acknowledgement of debt nor refusal to pay, but a notice to request validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. this is not to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within ( XXXX ) days from receipt of this letter. 
* Creditors Name and Full Address * Name of Debtor of Record * Full Account Number * Amount of Debt * Due Date Of Debt * Original Charge Off or Delinquency Date * Explanation on how the Debt was Calculated * Evidence that the debt is within State 's applicable Statute of Limitation * Name of Collection Agency or Owner of the Debt, If applicable * Amount Paid if Debt was Purchased * Complete and Executed Agreement, including Signature Pages, for the Debt Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems Inc. 
Attn : Compliance Department Re : Account # XXXX Dispute and Cease Communication To Whom It May Concern : I am writing to formally dispute the above-referenced account. I do not owe any debt to Transworld Systems Inc., and I refuse to pay any money on this alleged account.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full debt validation. Until such validation is provided, you are required to cease collection activity.

Additionally, I demand that you cease all communication with me regarding this matter unless it comes directly from XXXX XXXX ( XXXX ). Any further contact from your company that does not comply with the FDCPA will be documented as a violation. 

Sincerely, 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They were calling constantly and emailing until I blocked their phone numbers. They had me scared because they kept repeating that I would be taken to court for an unpaid debt. I did not sign any contract with them to have a debt though. I even received documents that shows court information to show up. They can not provide any bills or contract that I have signed to them as the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My credit card was stolen on XX/XX/year> at a XXXX XXXX XXXX in XXXX XXXX, XXXX, by a man who was in line behind me. He charged {$160.00} on my Barclays XXXX XXXX credit card at the XXXX XXXX, at XXXX a.m. and immediately went to XXXX on XXXX XXXX in XXXX XXXX, XXXX, and used the card for {$660.00}, at XXXX a.m. I reported the card as stolen within XXXX hours to the Credit Card company. They said they would investigate and immediately return the misappropriated funds. They initially credited our account, but later rescinded. Within a few days, Barclays debited my account for more than a XXXX dollars, because they refunded XXXX XXXX XXXX times the amount stolen ( XXXX x XXXX {$640.00} ) and the entire amount ( {$660.00} ) to XXXX XXXX Their reasoning was they claimed that I was still in possession of the card, thus accusing me of fraud. I made very clear to them that I was not in possession of the card when these charges were made. 

I filed a complaint to the XXXX XXXX Police ( XXXX XXXX XXXX, case # XXXX ) who are still investigating using photos from and information given to me by XXXX XXXX management. They are also working with XXXX. I have called the XXXX XXXX XXXX XXXX XXXX, numerous times, explaining our injury. It has been almost two months, and we are still awaiting remediation. The first investigation they completed denied our claim, saying that we were in possession of the card at the time the charges were made, which is false. They have reopened the investigation, asking us for more documentation ( we supplied the police report ). We called them again last XXXX, XX/XX/XXXX, to check on the investigation, and try to expedite it. They asked us to fax them the police report, which we did the same day. I asked them to get a XXXX involved, or do something that would hurry this along. They said they would call me back within XXXX hours, which they didn't. 

Representatives from XXXX 's have repeatedly suggested that I was the one committing fraud, not the person who stole my card.

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: IL

Complaint narrative:
I am disputing an inaccurate medical debt being collected by Frost-Arnett Company . 
Frost-Arnett is attempting to collect a balance of approximately {$5000.00}, despite the first statement they sent me showing they were trying to collect {$2600.00}, which was still incorrect for the XXXX services provided by XXXX XXXX XXXX XXXX XXXX . This amount does not match my insurance Explanation of Benefits ( EOBs ). 
My insurance EOBs show patient responsibility amounts of {$200.00}, {$200.00}, and {$0.00} for the accounts in question ( account numbers XXXX, XXXX, and XXXX ), for a total patient responsibility of {$400.00}. I dispute any amount beyond this total. 
Despite providing EOB documentation, the debt collector continues to attempt collection of an incorrect amount. I have formally requested debt validation in writing and dispute the validity and amount of this debt. 
This appears to be the result of billing or insurance processing errors, and the debt has not been properly validated as required under the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that the debt collector : * Cease collection of the unvalidated amount * Correct the balance to reflect insurance EOBs or stop collecting entirely * Provide written documentation supporting any amount they claim is owed I have attached copies of my EOBs and dispute correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I received an automated email from Synchrony Bank congratulating me for adding my Synchrony Credit account to my Digital Wallet and inviting me to rate my recent Digital Wallet experience.

This communication was triggered by Synchronys internal systems and confirms that Synchrony recorded a Digital Wallet provisioning event.

This directly contradicts Synchronys prior statements to the CFPB claiming no unauthorized provisioning occurred and that their investigation found no evidence of misuse. 
Despite this systemgenerated confirmation, Synchrony has : failed to secure the account, failed to provide required provisioning logs, failed to correct inaccurate credit reporting, and failed to block further unauthorized provisioning attempts.

This survey email is evidence that Synchronys systems detected a provisioning event, yet the bank continues to deny it and refuses to take corrective action. This raises serious concerns about the adequacy of Synchronys fraud controls, account safeguards, and investigation procedures.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BILL.COM, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX, opened a line of credit with BILL.com on XX/XX/year>, XXXX when I received confirmation that the new credit line was open on BILL.com called XXXX XXXX XXXX with documents telling me that we were issued a XXXX XXXX XXXXXXXX . This was when they introduced XXXX, XXXX. Rewards Program. They told me to be aware of another email giving me instructions for setting up the account. XXXX XXXX and I were on numerous call trying to activate the card to no avail. This occured over a couple of months. Here is an email from XXXX XXXX : XXXX XXXX! Give me a call tomorrow when you can but I got a message about your account. 
Basically we need you to delete the two virtual cards that are in your account and recreate them. Something is happening that isn't supposed to. I can explain more tomorrow on the phone : ) The emails came but we were never able to activate the account. We tried numerous times to contact the company after those calls and let them know but to no avail. XX/XX/XXXX was the last contact with XXXX XXXX. 

On XX/XX/XXXX I receive a notice to pay the outstanding balance on the account of {$1800.00} that is 4 days past due. I have no way to contact the company and no way to verify the charges as I don't have access to the account. I forgot about the account because I never activated it there was no reason to worry until i started getting hassled by collections and multiple people at XXXX XXXX XXXX. 

On XX/XX/year> the BILL.Com account was canceled. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX sends me an invoice for charges and my contract. Note we opened this account under our company XXXX XXXX. Invoice simply gave us the total owed, not the actual charges. 

On XX/XX/year> XXXX XXXX finally send me the invoice with charges and we see one invoice for {$10.00} to XXXX XXXX XXXX  from XX/XX/year>, 5 days before we were notified that the account was open on XX/XX/XXXX, XXXX then another 83 transactions to a Company named XXXX, XXXX for {$21.00} each between XX/XX/XXXX - XX/XX/XXXX, sometime charged 10 times a day. Remember I don't have access to this account so i have no way of knowing these charges are occuring. This is the responsibility of the program to monitor multiple transactions like this as fraud. 

As we mentioned earlier we attempted to no avail to contact XXXX but because we never activated the account and we closed it back in XXXX we never had contact with XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Company keeps double charging me for transactions and saying that theyre paying a courtesy credit due to a overdraft to resolve the matter when it shouldve never been an overdraft if theyve been charging the account correctly Have numerous charges that arent reflective of the appropriate balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am an XXXX XXXX member of the United States XXXX XXXX. However, my interest rate is still above that set forth in XXXX benefits description. Additionally, I am currently stationed in Louisiana where there are state modifications to SCRA benefits outlined in Louisiana statute XXXX ( see below ) : XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is deployed on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on active duty, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. XXXX, XXXX, eff. XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
I deposited a legitimate paper payroll check from my employer via mobile deposit on XX/XX/year>. The check is dated XX/XX/year> and is in the amount of {$2200.00}. The check is a standard employer payroll check, properly endorsed for mobile deposit, with no alterations or irregularities. 

U.S. Bank placed a Regulation CC hold on the deposit. Because the bank is withholding {$2200.00} in funds, my checking account overdrafted to {$650.00} and incurred multiple {$36.00} overdraft fees on XX/XX/year>. The overdrafts and fees were caused directly by the banks decision to hold my payroll deposit, not by excessive or improper spending. 

I contacted U.S. Bank multiple times to request mitigation, including : Reversal of overdraft fees caused by the deposit hold Temporary or provisional credit due to financial hardship Prevention of additional overdraft fees while the hold remains in place U.S. Bank refused all assistance and stated there was nothing they could do. I am not requesting early release of the deposit. I am requesting reasonable mitigation for financial harm caused directly by the banks funds-availability decision.

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 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I received an email from Home Depot that I had a past due amount of {$44.00}, I had not received any prior communication and on the same day, it was reported that I was delinquent account and dropped my credit score by XXXX points. Both events happened on XX/XX/year>. So I quickly paid all amount due including {$45.00} of penalty and late fees just to ensure that I am try and quickly resolve this issue that I was just notified of. I called Citibank N.A. to try and see how to resolve this incorrect information. I was told that they could not help, I was transferred to multiple areas across Citibank only to finally talk with a 4th customer rep who told that they can submit a credit dispute however they can not tell or show me that it was actually submitted nor can they provide a case number or even a contact phone number to ensure that Citibank is taking proactive steps to correct their error. I was then told it was on me to file and submit disputes with all credit monitoring services. So they have put all responsibility on the customer for their error

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: IN

Complaint narrative:
My checking account did not show a pending auto payment to XXXX. But the next day it showed my account overdrawn and a {$20.00} fee.

Company response to consumer: Closed with explanation