vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Credit card company closed my account for no reason I have never been late on payments will not tell me why I called them by doing that it hurts my credit score

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX former XXXX employee. Between XX/XX/year> and XXXX of XXXX, I paid on a monthly basis XXXX XXXX company for automobile insurance. During the months of XXXX, XXXX, and XXXX, XXXX double billed me for auto insurance. I disputed each bill through my credit card XXXX XXXX company. XXXX never responded to XXXX XXXX and never rebilled me. Therefore the double billing was removed by XXXX XXXX. On XXXX XXXX, I paid XXXX {$180.00} for automobile insurance but then cancelled the insurance on XXXX XXXX because of the problems with recurrent incorrect billing by XXXX. XXXX charged me for 17 days for auto insurance and refunded {$120.00} to my credit card company in XXXX of XXXX. In XXXX of XXXX, I received multiple telephone calls and a letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA stating that I owed {$180.00} and " fees '' of {$240.00} as of XX/XX/year>. No documentation was provided. I contact the company on XX/XX/year> and explained the actual sequence of events. I then sent a registered letter to Credit Collection Services stating that no money was owed and that they contact all three credit card companies regarding the collection company error. I also asked that they cease harassment, I never received any written or verbal response to my certified letter. Since that time, I have received telephone calls and a second letter from the collection company at the end of XXXX, XXXX  stating that I owed $ XXXX.No documentation was provided by the collection company. I again contacted the company, explain the sequence of events, and I requested that the collection company cease the harassment. The only response that I got was an offer from the company to decrease the dollar amount supposedly owed by 60 %! There is no money owed to Credit Collection Services. XXXX has given to me a {$120.00} refund for the time from XX/XX/XXXX to XX/XX/XXXX after I cancelled the XXXX auto insurance on XXXX XXXX. XXXX XXXX has never disputed their incorrect double auto insurance billing from XXXX through XXXX, XXXX. I dispute all claims of debt or fees owed by XXXX and Credit Card XXXX. These companies are engaging in abusive behavior! I request that XXXX and Credit Collection Services cease and desist all harassment, abusive behavior, and inaccurate practices and that they notify each of the three credit card agencies of their erroneous claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just completed a mortgage loan modification with Bank of America. There was a 3 month trial period preceding the approval of the loan mod, during which I was asked by the bank to make 3 payments over 3 months in the amount of {$7400.00}. I was instructed by the bank to make these modified payments in lieu of the regularly scheduled payments. I completed the 3 modified payments on time and the loan mod was approved in XX/XX/year>. 

It recently came to my attention that my credit scores had decreased significantly. My research revealed that the bank reported 2 of the payments made during the trial period ( XXXX and XX/XX/year> ) as delinquent.

I called the bank on two occasions to complain about this and to ask them to notify the credit bureaus of their error, but I was placed on a lengthy hold and was disconnected.

Attachments : 1 ) loan modification letter from the bank with instructions on the trial period 2 ) payment history for the mortgage account

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT STATEMENT Against : Experian Information Solutions , Inc .

I am submitting this formal complaint regarding multiple inaccurate and unauthorized accounts that Experian is reporting on my consumer credit report. These accounts were reported without providing me a meaningful opportunity to dispute, and several are the result of identity theft or were not authorized by me, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR 1006.34 ).

Disputed / Negative Accounts : XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX Account # XXXX ( Closed/Late ) XXXX XXXX XXXX XXXX Account XXXX XXXX ( Closed/Late ) XXXX XXXX XXXX Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX XXXX XXXX Account XXXX XXXX ( Closed/Late ) Experians reporting violates 15 U.S.C . 1681e ( b ), 1681b, 1681c-2, and 1681i. I did not receive proper notice or a fair opportunity to dispute these accounts, and Experian failed to block information resulting from identity theft. These violations have caused substantial harm to my credit profile, resulting in financial and emotional distress.

I respectfully request that the CFPB investigate this matter and require Experian to remove or block all unauthorized and inaccurately reported accounts listed above. 

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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Hello, I was told by HomeLoanServ my unemployment forbearance plan would end of XX/XX/XXXX. I was then told I didn't make payment through XX/XX/XXXX, and it would end XX/XX/XXXX. I was then told XX/XX/XXXX. 

I emailed them to verify XX/XX/XXXX without response. I then emailed with bank statements showing payment and similarly received no response. I emailed twice more without response. They told me to email bank statement to verify. I also have postal confirmation they received the payments. This is over $ XXXX in payments they're claiming they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Hello, I have been a PNC Bank customer for nearly XXXX  years and I must say, up until recently, I never had any issues until I took out a credit card. I am extremely disappointed with how confusing PNC Bank makes for one to simply understand their credit card statement. Additionally, the terms of the credit card are nowhere to be found online, yet all of my other documents are uploaded online. I had been corresponding with XXXX XXXX with Retail Support, regarding this. I expressed my frustration that upon taking out the cash advance, there were multiple requests within a short period of time. Had I known that I'd be charged a fee each time for receiving the cash advance, I would have proceeded differently. Anyone looking at my bank account with PNC will be able to see my spending pattern and I am not frivolous with my spending decisions. However, when requesting and advancing through the screens to request a cash advance, nowhere does it alert you that you will be charged a separate fee for each advance received. When I asked XXXX where to access the terms for the PNC XXXX  credit card, she told me that the terms are only mailed. To make it so extremely difficult to understand and find the terms, is extremely predatory. Not to mention, the interest rate and payment amount is variable and the balance appears to be nearly impossible, even with good faith efforts, to pay down this debt and to even make a dent in it. 

Additionally, I spoke with XXXX XXXX on XX/XX/year> also about how confusing it is to understand my credit card statements. Just simply understanding how my payments are being applied is nearly impossible to make out based on the statements and documents that are accessible to me. Given that there are XXXX buckets that make up the balance, I have no idea what amounts to my payments are being applied to the balance for the cash advance, the balance for the credit card purchases, and what is being applied to interest. Even in speaking with XXXX, we both tried to make sense of the information on the statements, and it is nearly impossible without having to toggle back and forth between screens, attempt to make calculations, and pull what you can to complete the picture about what's going on. I am extremely disappointed that after many years of not having a credit card, I apply for one, and this just reminds me of why I didn't have one in the first place. Perhaps, this card was just not good to begin with as it's not even a PNC product anymore. 

This situation is predatory and abusive. I look forward to hearing back. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Goodleap has contacted family members of mine to try and get into contact with me and my whereabouts, i called goodleap to ask why they were calling my family members when for months now i have been replying to their email trying to submit payment which they have not viewed or replied to this date, when I called I told them that since they found me they are not allowed to contact me by phone but only through email and mail and to stop calling my family members about my location, the manager stated that it is company policy to keep calling family members located through public information until the supposed overdue amount is paid. This is the textbook definition of extortion, they are threatening to harass my family over my location ( that they already have ) until I pay them money to stop doing so? This call was on XX/XX/year> at around XXXX PM

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On a work trip to XXXXXXXX XXXX XXXXXX/XX/year>, I attempted to purchase shoes at XXXX XXXX in the amount of {$100.00}. The transaction was completed at the register, but I immediately asked the associate to cancel the purchase, and the shoes were put back on the shelf. I never took possession of the merchandise and did not leave the store with the shoes. 

Although the transaction was supposed to be canceled the same day, multiple authorizations were processed. I returned home to XXXX  without the merchandise. 

In XXXX, I disputed the charge with my bank because the purchase was canceled and the merchandise was never received. The dispute was initially credited. However, on XX/XX/year>, the bank reversed the credit after the merchant provided only a sale receipt, without documentation of the same-day cancellation or void. 

As a result, the charge posted months later and caused my checking account to go negative. This has directly impacted my ability to pay bills. 

I contacted Chase Bank, and while the representative explained that their options were limited due to the prior dispute decision, no corrective action or temporary credit was offered despite this being a merchant processing error, not an authorized completed purchase. 

I am requesting a full review of this billing error, correction of the improperly posted charge, and resolution of the overdraft caused by the delayed and incorrect transaction processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XX/XX/year>, I received an overdraft notice alleging a negative balance on my account. 
On XX/XX/year>, I sent a written response disputing the balance and tendered payment for the full amount alleged. That correspondence requested confirmation of receipt, a complete transaction-level accounting, and documentation showing how the overdraft was created and resolved. 
The correspondence and subsequent follow-up notices were sent by certified mail and confirmed delivered by XXXX. Despite multiple written requests over several weeks, the company did not provide a written response, did not provide an accounting, and did not explain how the alleged overdraft was applied or resolved. 
Instead of responding to the requests, the company closed the account after the dispute and payment were sent, without providing any explanation, reconciliation, or documentation. 
Additional follow-up letters, including a second notice, escalation to the recovery department, and an executive-level notice, again requested confirmation, accounting, and explanation. None of these requests received a substantive written response. 
The issue is not a disagreement about fees, but the companys failure to respond to written disputes, failure to provide required information, and failure to explain the closure of the account after payment and notice were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit 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 filed a dispute for a charge from XXXX XXXX XXXX XXXX for the amount of {$340.00} processed on XX/XX/year>. The reason for my dispute was due to an improper and misleading blood work panel that was performed for my cat pet. I was informed by the vet staff the blood panel test would provide an accurate diagnosis followed by their recommendation of treatment/medication, however that was not the case. They were unable to determine the cause of illness and due to the severity of my cat 's health condition I was forced to take him to a different veterinary ( XXXX XXXX XXXX XXXX ) that performed another blood work panel and did in fact provide a proper diagnosis, ( Multi- focal pulmonary nodules ) followed with treatment and an after care plan after tested. 
I filed a dispute with Citi Bank, which serviced the Best Buy retail card used, and they advised me to mail documents pertaining to my claim in which consisted of an improper blood panel from the disputed merchant and the testing records for the different veterinary that was able to provide transparent and correct diagnosis from the testing. After multiple follow-ups with Citi Bank customer service, they advised me to mail and wait for processing and research, however they never gave me a clear understanding of how my my dispute was being investigated. I re-mailed the documents in XXXX occasions, XXXX and XXXXXXXX XXXX XXXX. The bank has now closed my dispute and my account and I'd like them to fairly process my claim with the supporting documentation I provided. I'd like an intervention from the CFPB agency to ensure my dispute was/or being investigated per regulatory protocols. I have all documents to support my dispute and can re-submit them to Citi Bank or CFPB if needed.

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 2026-01-22 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am submitting this complaint against American Express, not the merchant. 
I used my American Express Gold Card to pay {$2200.00} on XX/XX/XXXX for a portion of a long-term dental treatment with a clinic in XXXX, XXXX. The overall treatment began in XXXX and exceeded {$30000.00} in total cost. This charge was not for a single, completed service, but for a continuing stage of an ongoing medical treatment expected to extend well beyond the date of payment. 
I used my American Express card for this stage because the treatment was ongoing and I needed cardholder protection if services were not provided as agreed. 
After the charge, complications developed, the treatment failed, and the clinic refused to provide corrective care. Communication was ultimately blocked, and treatment was abandoned. These failures occurred after the XX/XX/XXXX charge. 
I disputed the charge with American Express and submitted documentation showing that the services related to this charge were not provided as agreed. American Express declined the dispute based solely on a standard 60-day timeframe tied to the transaction date. 
American Express did not reasonably consider that this dispute involved a long-term, outcome-based medical service, that the failure became apparent only after the charge, or that a consumer can not reasonably dispute medical treatment before it is completed or before complications arise. 
I escalated the matter multiple times and submitted additional documentation after being instructed to do so. I sent the contract, receipts, communications, and evidence of merchant abandonment to multiple American Express departments, including executive and compliance offices, by certified mail, in an effort to ensure the dispute was properly reviewed. Despite this, American Express declined the dispute without a substantive investigation or a clear explanation of how timing rules were applied to an ongoing service. 
I am not asking American Express to determine medical malpractice. I am requesting CFPB assistance because American Express failed to properly investigate a billing dispute involving services not provided as agreed and misapplied timing rules in a way that denied cardholder protections for a long-term medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I had a XXXX  test appointment which I thought was going to focus solely on my XXXX XXXX. At the time I made the appointment I specifically stated I did not want a standard XXXX  test on XXXX XXXX because I already knew I couldn't XXXX  out of my XXXX XXXX from experience and previous testing. I was the one who initiated this appointment because I found that if I XXXX XXXX XXXX XXXX XXXX something happened in XXXX XXXX XXXXXXXX  that would allow me to XXXX  much better. When I arrived at the appointment I was required to pay my insurance deductible and sign a financial agreement. Again, I was forced to do this in order to get the hearing test I thought I was going to receive. XXXX ignored my request for a XXXX XXXX  only test and did a standard test on XXXX XXXXs. The results showed significant XXXXXXXX XXXX in XXXX XXXX  XXXX. Right after the test I met with XXXX XXXX, a XXXX XXXX doctor who reviewed my results. I explained why I was there and he initially said that it was my imagination that I could XXXX  better when XXXX XXXX XXXX XXXX XXXX I debated him on that and he eventually said a test on the XXXX XXXX would determine if I was right. XXXX  billed me more than {$500.00} for the test and doctor visit. I requested a redo of the test and consultation at no extra cost to me. XXXX  refused. I ended up paying most of the charges but the remaining balance is tied to the hearing test I did not request or agree to pay for. XXXX  turned my debt over to Receivable Solutions, LLC and I was initially contacted by them on XX/XX/XXXX. I promptly responded via email and notified them that the debt was disputed and asked them to not contact me again. The email was read by Receivable Solutions on XX/XX/XXXX. On XX/XX/XXXX I received a follow up letter from Receivable Solutions stating my dispute was invalid. The amount is in fact disputed and I'm requesting CFPB help me in holding Receivable Solutions, LLC accountable for violating my request not to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Im shocked at how poorly this credit card comenity.com company handled my situation. I have multiple charges from XXXX XXXX XXXX that I do not recognize. 

When I contacted them, they did not help, did not resolve anything, and simply told me to go deal with the merchant myself. That is not what a credit card company should do when a customer reports suspicious or unauthorized charges. 

There was no sense of urgency, no reassurance, and no real customer protection. I am now stuck dealing with fraudulent charges on my own. 

This is unacceptable, and I would not recommend this credit card to anyone.

Company response to consumer: Closed with non-monetary relief