vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge applied by Synchrony Bank on my credit card account related to an XXXX XXXX promotional purchase. 
On XX/XX/year>, I made a promotional purchase for approximately {$2200.00} under a 12-month deferred interest promotion. I made consistent monthly payments toward this balance in good faith. At the time the promotion expired, the remaining promotional balance was approximately {$1000.00}. 
After the promotion expiration, Synchrony applied approximately {$760.00} in deferred interest all at once, significantly increasing my balance. While I understand that deferred interest promotions require the balance to be paid in full by the deadline, I was not aware that missing the payoff by a relatively small remaining amount would result in such a large retroactive interest charge being added at once. 
I contacted Synchrony multiple times through customer service and chat. Representatives acknowledged my payment history and explained that the interest and waiver process is system-generated and that a 30-day post-expiration grace period exists. Unfortunately, I was informed that once that system window passes, no adjustments can be made by customer service or supervisors using their standard systems. 
I am not disputing that the promotional terms exist. I am requesting a goodwill review based on my consistent payment history, good-faith intent to pay the balance, and the disproportionate financial impact of the deferred interest being applied at once. I would have paid the remaining promotional balance immediately had I understood the consequences more clearly.

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 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I had around {$4000.00} spent from my account due to my phone being stolen. I disputed the charges immediately, but XXXX refuses to give me my money i provided everything they asked for, a police report, screenshots ect. Ive appealed these disputes multiple times and every time the only answer I get is the " transactions were authorized. No refund will be initiated. '' Witch i have the pdf file to prove. Which, yes they seem like they are authorized because it was through my phone, but not by me, my phone was stolen. Ive tried explaining this but nothing changes. My house is going to go into fourclosure because of this is been over a month! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to summit my complaint that I filed with the FTC and my XXXX police department police report. The reference number is : XXXX and police report number is : XXXX Include how my information was part of the Equifax data breach and fraud ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one I'm writing to dispute two charges on my account. One amount was for XXXX on XX/XX/year> and XXXX on XX/XX/year>. The amount I was supposed to be charged was XXXX as seen in the picture and was agreed upon. Also four of the XXXX  that was supposed to be worked was not done so I was disputing XXXX out of the XXXX agreed upon. The XXXX I'm disputing would be subtracted from the four XXXX I didn't get done as see in previous picture. Also I was supposed pay half of the XXXX before the service and the other half after the service that's why two transactions was made. But they made two transactions for XXXX and XXXX which was incorrect and was not agreed on as in the pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: Sezzle Inc.
State: MS

Complaint narrative:
I had a credit account with Sezzle paid it closed it and opened a new one then they advised that my account was flagged without my knowledge I had used this account on many occasions but when I tried to make a new purchase with my new account I was denied without any reason I have requested to resolve this error but as of todays date they have refused to fix their error and keep me with a bad record when I have paid all of my accounts and not ever have any account went to collections their actions deliberately violated the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation regarding the reporting of late-payment information associated with Account No. XXXX for the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX, as well as Account XXXX XXXX for XX/XX/XXXX. I am requesting confirmation that the reported late-payment status for these periods aligns with Toyota Motor Credits internal payment records.

Specifically, I seek clarification regarding how the alleged delinquency was calculated in relation to the account balances, payment postings, and account status at the time the late payments were reported. Without a clear explanation demonstrating consistency between the reported delinquency and the internal payment history, the accuracy of the reported information can not be verified. Reporting late payments without transparent validation raises concerns regarding compliance with accurate furnishing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is trying to collect a debt that is XXXX yrs old. They wont remove it from my credit report after multiple disputes thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MS

Complaint narrative:
I am XXXX XXXX XXXX member of the XXXX XXXX. My last apartment complex when I lived there I was XXXX XXXX. I received my XXXX and I sent them an email stating I have received my XXXX and would like to end my lease. I then followed up with an email of my XXXX. Eventually they send me a email with a pdf file that shows a bill of all the things I owe and one of them was early termination fee. At the top of the bill they sent me it had said I applied and moved into the apartment the SAME day. That doesnt happen said I moved in XX/XX/XXXX it says my lease STARTED on XX/XX/XXXX and my lease ENDED on XX/XX/XXXX a day before my leave started it also says that I moved out XX/XX/XXXX they also have a blank date next to date notified implying I never gave a notice but I have PROOF I did. How can I move in the same day I apply? How can my lease start 2 years after I move in? How can my lease end a day before it starts? Per federal law, 50 U.S.C. 535, a Separation from Service is considered a PCS and the Servicemembers Civil Relief Act of 2003 ( SCRA ) will terminate the obligation of rental leases. This is a federal misdemeanor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It won't let me get no bank account, or credit cards, no matter, wat I do it won't lent meet open no accounts at all.or approval for no credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX i did some work online for this person and he paid me {$36.00} by Paypal. On XX/XX/XXXX this persom filed a false claim with paypal to get their money back and they put in their notes that the job wasnt complete to his bathroom. I live in the United States in Arkansas this person lives in XXXX i was not doing any work on his home. This was a scam that these people in XXXX do they pay you but then file false claims with Paypal to get the money back which leaves you in the negative with Paypal. Paypal issued them a refund on XX/XX/XXXX money that should never been sent back to them because they lied on their claim. I am going to include a screenshot of the message from this person when i contacted them asking them why was they trying to take back money that was owed to me and in this message he explains how they do their scam with Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I canceled my XXXX XXXX membership after experiencing a documented hardship and informed both the local club management and XXXX XXXX. Despite following the cancellation instructions provided by the company and confirming my situation, my account continued to be charged. 
I contacted XXXX XXXX and the local XXXX XXXX location multiple times by email and phone to request confirmation of cancellation, an explanation of the charges, and a refund. I explained that the continued charges caused my bank account to overdraft during an emergency period when I was already experiencing housing instability. These overdrafts directly resulted from the company continuing to withdraw funds after cancellation. 
My attempts to resolve this were unsuccessful. I received delayed or no responses, and when responses were provided, I was informed only that the membership was canceled, without addressing or refunding the charges already taken. Despite escalating the issue and clearly communicating the financial harm caused, the company refused to issue a refund. 
I am attaching email correspondence between myself, XXXX XXXX, and the local XXXX XXXX management documenting my cancellation, hardship notification, refund requests, and the companys failure to resolve the issue. 
I am requesting reimbursement of all charges taken after cancellation and any related overdraft impact caused by these unauthorized withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Synergetic Communication Inc
State: WV

Complaint narrative:
I am submitting this complaint regarding the conduct of a collections agent who contacted me concerning an alleged debt supposedly owed to XXXX. 

During this communication, the agent claimed that I paid XXXX using an online check. I questioned how this would even be possible and asked the agent to explain or provide details. The agent was unable to explain how such a payment occurred and offered no information other than repeatedly stating that I owe XXXX. 

I then requested written proof or validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). The agent stated that he could not provide proof or documentation of the debt. 

Additionally, the agent made a threatening and misleading statement by telling me that I would never be able to cash or use a check ever again unless I paid this supposed balance. This statement is false, coercive, and appears to be a clear attempt to intimidate me into making a payment. 

This conduct constitutes violations of federal collection laws, including but not limited to : Failure to provide debt validation upon request Use of false, deceptive, or misleading representations Threatening consequences that are not lawful or can not be enforced At no point was I provided with legitimate documentation, account details, dates, payment records, or any evidence that this debt exists or that it is mine. 

I am requesting that this matter be investigated and that appropriate action be taken against the collection agency and agent involved. I am also requesting that this alleged debt be formally validated or removed from any records if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am submitting this complaint against Santander Consumer USA regarding the reporting of late-payment information associated with Account XXXX. XXXX for the months of XX/XX/year> through XX/XX/year>. I am requesting confirmation that the reported late-payment status for these months accurately reflects Santanders internal payment records. Specifically, I am seeking clarification as to whether the alleged delinquency aligns with the accounts balance, payment application, and overall account status during the disputed periods. 

At present, the late-payment reporting lacks sufficient explanation as to how the delinquency was calculated in relation to the accounts actual payment history. Without a clear reconciliation between the reported late payments and Santanders internal records, the accuracy of the information can not be reasonably determined. Reporting late payments without proper substantiation raises concerns regarding the reliability and integrity of the data being furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Under U.S.C 1681e ( b ) and 1681i please remove from this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I APPLIED FOR A XXXX XXXX XXXX FROM BANK OF AMERICA. I MADE IT CLEAR AT THE OUTSET THAT I DIDN'T WANT TO ORDER AND PAY FOR AN APPRAISAL UNTIL THE LOAN WAS OTHERWISE APPROVED. THE BANK REPRESENTATIVE AGREED. ALL THIS WAS DONE ON A RECORDED TELEPHONE LINE. EVERYTHING THE BANK REQUIRED, INCLUDING MY CREDIT, WAS APPROVED BY THE BANK EXCEPT ONE ITEM THEY CHOSE TO DEAL WITH LAST XXXX XXXXTHE BANKS APPROVAL OF THE HOMEOWNERS ASSOCIATION OF WHICH MY XXXX XXXX WAS A PART OF. THE BANK DENIED THE LOAN BECAUSE THE HOA DID NOT ANSWER THE BANK 'S QUESTIONAIRE TO ITS SATISFACTION. THE BANK, HOWEVER, WOULD NOT REFUND THE COST OF THE APPRAISAL WHICH I REQUESTED -- WHICH WAS A PART OF THE LOAN APPLICATION AGREEMENT. THE LOAN APPLICATION PROCESS STARTED ON OR ABOUT XX/XX/year>, AND I RECEIVED A DENIAL LETTER DATED XX/XX/year>. A SEPARATE ISSUE I BECAME AWARE OF DURING THE LOAN PROCESSING WAS THE INACCURATE AND MISLEADING DISCLOSURE OF THE ADJUSTABLE RATE FEATURE OF THE LOAN I WAS APPLYING FOR, WHEN ASKED BY ME, THE BANK LOAN REPRESENTATIVE COULDN'T TELL ME WHAT THE LOAN INDEX WAS UPON WHICH A 2,75 % MARGIN WOULD BE ADDED AFTER THE 7TH YEAR OF THE 30 YEAR LOAN, JUST THAT MY LOAN INTEREST RATE WOULD BE 5.875 % FOR THE FIRST 7 YEARS, AND THEREAFTER BE 2.75 % ON TOP OF THE RATE OF INDEX, AND ADJUSTED EVERY YEAR AFTER THAT TO THAT INDEX RATE THEN PLUS 2.75 %. WHEN I SUBSEQUENTLY DISCOVERED THE INDEX WAS THE SECURED OVERNIGHT FINANCING RATE, I ASKED HIM TO EXPLAIN THAT RATE TO ME. HE COULD NOT. HE COULD NOT EXPLAIN EITHER HOW IT WAS THAT MY 5.875 % RATE FOR 7 YEARS WAS A LOWER RATE THAT THE THEN SOFR OF 4.23 % PLUS 2.75 %. NORE DID HE EVER POINT OUT THAT, EVEN IF THERE WAS NO CHANGE IN THE INDEX RATE AT THE END OF 7 YEARS, MY INTEREST RATE WOULD INCREASE TO ALMOST 7 %! I SAW SOME GENERAL LOAN DISCLOSURES IN THE GENERIC DISCLOSURE PACKAGE GIVEN ME REGARDING THE DANGER OF TEASER RATE TYPE LOANS, BUT NOTHING IN THE DISCLOSURES OF MY LOAN TO INDICATE IT WAS THAT TYPE OF LOAN. I BELIEVE THE BANK 'S LOAN DISCLOSURES ARE SO INCOMEPLETE AS TO BE GROSSLY MISLEADING, IF NOT FRAUDULENT. AND IF NOT A VIOLATION OF THE DISCLOSURE TERMS OF THE TRUTH IN LENDING ACT, SURELY OF SOME OTHER CONSUMER PROTECTION LAW.

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I sent {$25.00} via Cash App. Once sent I reached out to see if the funds were available. The recipient informed me that there was no request made on their behalf nor were they aware of any type of request or communication. I asked for confirmation of their information associated with their Cash App account. The information did not match their account information. Upon further review the funds were sent to an unknown entity that used a profile and info of the alleged recipient as a scam. Within minutes I tried to report it on Cash App customer service number but it was closed due to holiday. There is no way to stop payment leaving consumers at risk with no support. The app is insufficient when dealing with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXX action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
( Requested information to pay off debt and the company refused ). I am formally requesting written confirmation regarding my Chime Credit Builder Visa account. 

Please confirm in writing : XXXX. The current owner of the alleged balance XXXX. Whether the account has been charged off, assigned, or sold XXXX. Where and how I am permitted to submit payment, as I am willing and able to pay immediately I have been informed verbally that payment is not allowed, but no written explanation or payment instructions have been provided. 

I am requesting this information for my records and for accurate credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
The problem I'm having is chime letting unauthorized charges cone our of my account on a monthly basis, each month I speak to chime XXXX they say they fix my problem but have not fixed anything, they have put me in hardship by cutting off my card and me begging then not to. XXXX customer representative refused to excalate this problem to any higher authority refused, instead he turns my card off me telling him that's the only means I have and no way I could get to my money for XXXX XXXXthis started in XX/XX/year> XXXX  took out XXXX dollars on the XXXX and another XXXX dollars on the XXXX of XX/XX/year>. XX/XX/year> another XXXX charge from XXXX XXXX came no XXXX charge, XX/XX/year> XXXX $ taken out again from XXXX continued talking to representatives babadawas her XXXX assured me that she blocked them thier was no need for escalating this problem again refusing, XX/XX/year> nothing cameout XXXX XXXX XXXX and XX/XX/year> XXXX $ each of these months finally spoke to XXXX he then said in order to do anything to get my money back they would have cancel my card for the second time o told him I couldn't do without my card, next thing I go to town to get XXXX  and supply in XX/XX/year> to get to checkout my card was denied they canceled my card without letting me no anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I open an account with Regions bank on XX/XX/year> and I deposited my payroll check to begin the account. There was no hold placed on the account. Its pay day again and I do a deposit of my payroll check and they are placing a 10 day hold on the entire check. No one at the branch can assist and when you call Customer Service no one can assist. I can understand placing a hold for about 2-3 business days but for 10 days with no money being released is unlawful. This bank needs to be shut down or handled accordingly.

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