vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This complaint alleges a specific violation of the Truth in Lending Act ( Regulation Z ) regarding Negligent Funding. This is a new compliance issue distinct from previous disputes regarding the contract terms. 

Timeline of Violation : XX/XX/XXXX ( XXXX XXXX  ) : I emailed the lender 's Verification Team ( XXXX XXXX ) stating explicitly : " I do not authorize payment for this disputed amount. ' XX/XX/XXXX ( XXXX XXXX  ) : The lender 's agent acknowledged in writing tha

t a 'signed COC ( Certificate of Completion ) ' accepted by the borrower was required for 'final funding. ' Action : The lender released funds to the merchant without my signature on the Certificate of Completion and over my written objection. Current Status : I provided the lender a deadline of XX/XX/XXXX, to produce the signed Certificate of Completion validating the funding. They failed to respond. The lender is collecting on a debt they knowingly funded in violation of their own internal controls and federal lending standards.

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 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc.
State: HI

Complaint narrative:
I hired this company in XX/XX/XXXX to collect a debt owed to me by a customer ( I am a small business owner ). Months went by and they eventually suggest that we file suit against the debtor. I agree and in XX/XX/XXXX, I send them {$800.00} by check for the legal fees. Eventually, in XX/XX/XXXX, they say they have successfully collected the debt and are preparing my remittance. 7 months later, still no remittance, and they've stopped responding to my emails. Seems like a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and have submitted documents and need this removed immediately

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with Synchrony Bank Care Credit ( ending in XXXX ) to pay a medical expense of {$4100.00}. It had a promotional rate of $ 0 % interest for 6 months. On XX/XX/XXXX I made my first payment of {$700.00} towards the balance, and planned on continuing to make payments so the balance would be completely paid off in 6 months. I paid another {$700.00} non XXXX XXXX, and {$670.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I had a doctor 's appt and used the Care Credit card to pay the {$45.00} copay. I had originally read the Terms & Conditions but was unaware or did not understand that the {$45.00} would not be part of this promotion. So I was surprised when I received a {$30.00} late fee on my next statement. I called on XX/XX/XXXX and told the the rep. what happened and she agreed to remove the late fee. On that same day I paid {$800.00} to show good faith that I was well covering the {$45.00} fee. But since then I got two {$2.00} " Min. Interest Charges '' - on XXXX XXXX and XXXX. This was despite paying another {$600.00} on XXXX XXXX and {$250.00} on XX/XX/XXXX. When I called today to have these removed, I was told " because I did not contact them right after making the {$45.00} charge, I would incur monthly min. interest charges because the payments I made would go towards the {$4100.00} balance -- not the {$45.00}, which i could easily have paid off! Therefore, unless I COMPLETELY paid off the {$4100.00}, I would always incur those {$2.00} Min. Interest charges. So now my balance of {$4100.00} HAD to be paid off BEFORE 6 months. I explained that I completely DID NOT UNDERSTAND that, and if i did, I would NEVER have charged the additional {$45.00}! Still the supervisor refused to remove those two {$2.00} charges.

As a result, I paid off what I should owe today {$490.00}, and I told her I am refusing to pay those two {$2.00} charges, as I feel this is a deceptive practice by " CARE Credit '' which doesn't CARE about consumers who use their card to pay off medical expenses. I told them I wanted my account closed and I would report them to the CFPB because they said I still would owe them the {$4.00} worth of charges which to me is unbelievable!

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I deposited {$1000.00} in cash into an ATM associated with my bank. The ATM only credited {$500.00} to my account. I immediately contacted the bank to report the discrepancy. 

The bank conducted an initial review and credited the missing {$500.00} to my account. However, I later received a letter stating that their investigation found no extra cash in the ATM and they withdrew the {$500.00} back from my account. 

I dispute this outcome. I deposited the full {$1000.00}, and the reversal occurred without providing concrete evidence such as ATM balancing records, deposit images, transaction logs, or confirmation that video footage was reviewed.

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., for publishing, maintaining, and refusing to correct materially false, misleading, incomplete, and unverified information in my consumer file after being placed on notice of its inaccuracy. Equifax is reporting a XXXX XXXX  XXXX charge-off account opened XX/XX/XXXX with a balance of {$1700.00} without providing any signed agreement, itemized payment history, or proof of consumer liability, which makes the tradeline legally unverifiable under 15 U.S.C. 1681e ( b ) and 1681i. Equifax is also reporting XXXX XXXX XXXXXXXX tradelines opened XX/XX/XXXX with zero balances but false late payment histories, which is materially misleading and prohibited because no delinquency validation, payment records, or contractual obligation has been produced as required by 15 U.S.C. 1681s-2 ( a ). Equifax is further reporting an extreme volume of XXXX  collection tradelines under the same account number XXXX with open dates of XXXX and XX/XX/XXXX and balances of {$8900.00}, {$3400.00}, {$11000.00}, {$12000.00}, {$7700.00}, and {$11000.00}, which is a textbook example of illegal debt splitting, duplicate reporting, and balance inflation without any chain of title, contract, or itemized account history, rendering these tradelines inherently unverifiable and deceptive. Despite being on notice that these accounts are inaccurate, Equifax has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has instead continued to publish this false data, causing ongoing credit suppression, denial of credit, and financial harm. Because Equifax can not lawfully verify any of these accounts using competent documentary evidence, its continued reporting constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I am demanding that Equifax immediately delete all of the above tradelines, remove all late payment and collection histories, and provide written confirmation of correction, and I am requesting that the Consumer Financial Protection Bureau initiate supervisory and enforcement action against Equifax for systemic FCRA violations and unlawful consumer reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Well I went to use my card from bank of america and noticed it was only XXXX on my card when I know I processed a Lil more on it and I called just about every number to get help or to report a fraud maybe and no one barely answered and the ppl that did answer didn't really help either someone has alot of control out there and I just wan na know if its possible if I can recieve a Lil help please.

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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Hello, I have paid off my mortgage in XX/XX/XXXX. I have never received any documentation that the mortgage was paid off, most importantly I have paid off {$2300.00} in escrow in my monthly payments for that year that I was never reimbursed nor was this amount used to pay my property taxes.

The company I am referringto is ShellpointMortgage Servecing XXXX When I make attempts to contact them on that phone number I receive an out of service message on that number. However, Sites like Chat XXXX and XXXX lists this phone number as an active number.I have emailed them with the request to provide the information I have specified and I did not receive a reply back. Today is XX/XX/XXXX its been exactly 6 month since I paid off my mortgage and I am still waiting for them to reply.

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo recently sold my mortgage to XXXX XXXX. XXXX XXXX provided with me with information that they had to because of a case in XXXX. I went to pay off my mortgage to find out theres a FHA HUD lien on my property. I called Wells Fargo as back in Covid they put my account in forbearance. Without my permission. Took them months to get it straightened out. I continued to make my mortgage payment as normal. They then had a notary I never met before sign documents for the HUD XXXX. They also when transferring my loan to XXXX XXXX transferred a late payment which I was told was removed back in XXXX. I am requesting information regarding the forbearance payments and where they went. They said they are unable to provide that 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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Beginning in XX/XX/year>, my Synchrony Bank TJX Rewards Platinum Mastercard was charged recurring amounts by the merchant Zealthy for services never rendered. I promptly disputed these charges. Synchrony issued adjustments/refunds for XXXX and XXXX, confirming dispute notice and merchant flagging. 
Despite this, Synchrony allowed the same merchant to continue posting identical recurring charges in XXXX, XXXX, and XX/XX/year>. I repeatedly contacted Synchrony, re-filed disputes, and explicitly requested that the merchant be blocked. These requests were not acted upon. 

After refunds were issued, additional charges were permitted, including a charge labeled as a rebill from Synchrony, suggesting that I was actually over-payed. I am attaching all of the charges and adjustments so you can see for yourself that my account certainly does not reflect this and continues to have unresolved disputes. 

To prevent further unauthorized charges, I froze the card. Charges nonetheless continued to post. I was ultimately recently forced to close the account solely to stop ongoing unauthorized billing after multiple tries via customer service to help me so that I wouldn't have to cancel. I was assured I would receive a follow up within the next week, which never happened.

As a result of Synchronys failure to prevent recurring unauthorized charges after disputes were already established, I incurred a balance consisting entirely of disputed charges, was forced to make partial payments in good faith to protect my credit ( i always pay my credit cards in full and do not like a balance showing over 40 % credit usage ). Adverse credit impact related to utilization and account closure is unacceptable, especially when it was due to Synchrony bank internal handling of my account disputes. 

I am requesting XXXX review of Synchrony Banks handling of repeated fraud disputes, reversal of all remaining Zealthy-related charges, correction of any credit reporting impact tied to these disputed charges, and a written explanation of why the disputed merchant was not blocked despite repeated notice.

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 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Upon arrival to XXXX XXXX, my buddy and I were constantly lied to about the program that ultimately had us enroll here in the first place. We constantly made complaints and tried to have our voices heard throughout our experience wt the university. Although nothing was done at all matters actually continued to get worse for us. We were continuously mislead, lied to, and neglected. We invested lots of time and money into our education and our wrestling experience with the program that I feel was robbed from us through out the negative experience. Now we are in huge amounts of debt that we are entitled to pay back in full for an institute that lied to us and gave us partial to non of the experience promised. Even after voicing our concerns and trying to communicate with the school we were fed continuous lies which led us to stay enrolled in the program which led to our debt growing and our problems being hugely neglected and over looked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX am a women made an unauthorized withdrawal from my CASH AP account. This person is not in my contacts and I do not know the person. I did not get a alert that someone was trying to access my account from CASH AP and she took the balance of my account ( {$730.00} ). A XXXX when I noticed the transaction I immediately put a stop payment and block on my account. I called CASH AP to tell them this was a fraudulent transition. They said they would investigate and get back to me. No one from CASH AP reached out to me to verify the my account of what happened. They denied my request. I made another attempt as I am a victim and the person stole my money. I would like help getting the money back and going after the person that stole my money. 
I also have spoken to the Police/Fraud Department and am waiting for return my call to get a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I made a payment for my mortgage in XXXX and was unaware that the payment bounced back due to a banking error of {$6.00}. I do not use this bank account for anything other than my mortgage payment. I did not receive ANY notification from Freedom Mortgage company to alert me to this. It wasn't until XX/XX/XXXX when I logged on to pay my mortgage again, that I saw there was an amount past due. When I checked my bank account, I saw it bounced over the {$6.00} discrepancy. I immediately paid it but unfortunately, since it was already the XXXX of the month, it didn't post til the XXXX, resulting in a " XXXX XXXX XXXX '' report to my credit. I have never missed a payment with them in the over XXXX  years of holding this mortgage. I reached out and wrote a personal goodwill request, including documentation to prove I attempted to pay this and it was a simple mistake and I was told they do not fix credit reports.

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 2026-01-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a Chase XXXX XXXX credit card that was opened without my authorization. 

On XX/XX/XXXX, this credit card was opened in my name without my knowledge or consent by the owners of my former employer. I was an employee at the time but was not an owner, officer, or authorized signer and had no authority over company finances. 

Approximately {$60000.00} in business expenses were charged to the account. For nearly XXXX years, all payments on the account were made directly from the companys accounts, not mine. I first became aware of the existence of this credit card in XX/XX/XXXX, when Chase contacted me regarding the account. 

After learning of the account, I made XXXX single payment, using funds provided to me by the acquiring company as part of an asset sale, acting only as a pass-through. No personal funds were used. Chase has nevertheless claimed that this one payment constitutes acceptance of liability. 

I immediately disputed the account as identity theft and submitted a FACT Act identity theft affidavit and a police report. Chase has repeatedly disregarded these documents, as well as clear evidence showing the payment flow originated from the business and not from me. 

Chase has also provided contradictory explanations regarding how the account was opened. Chase Fraud stated the card was opened at a specific branch. When I contacted that branch at XXXX XXXX XXXX XXXX and spoke with branch staff and management, they confirmed : The card was not opened at their branch No banker, ID copy, or authorization record exists My name is not listed as the primary cardholder The account appears to have been opened online Despite being unable to identify who opened the account or produce any evidence of my authorization, Chase continues to place the burden of proof on me and hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got Late payment on my account from Capital one, but earlier I called Capital one to make a payment it was my last day, and they couldnt process payment because of TECHNICAL ISSUES, and I told Live agent to Wrote a note that I called to make a payment on time but you couldnt process it, after XXXX month report I got Late payment on my credit XXXX XXXX XXXXXXXX, after that I called to Capital one and Ask to remove late payment from my account! they told me we can see the note that you try to make a payment but it was technical issue And they advise me to write a letter to their XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Explosions about this matter and after when I wrote the letter, they remove my late payment from my account but when the new month start XXXX one I got again that late payment on my account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX they where not able to issue a new debit card because of internal problems. I needed the card as I was going to XXXX. They offered to overnight the XXXX  since they couldnt produce a debit card. Later in the day they found away to produce the debit card. I told them to cancel the order. I never received the XXXX. but they never returned my money to my account.. when I returned from XXXX I called the branch talked to XXXX she said she would work it out with the manager and get back to me. she did not.. I called the manager the next day he apologized and said he had lost a teller and it would be rectified in the next day or too that was on XX/XX/XXXX. Nothing has occured. I have filed a complaint with PNC. to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: GA

Complaint narrative:
" I am a guarantor for a lease at XXXX XXXX ( XXXX, XXXX  ) that terminated on XX/XX/year>. Under Georgia law O.C.G.A. 44-7-34, a landlord must provide a written, itemized statement of damages within 30 days of lease termination. 

The documentation provided by ProCollect shows that the landlord did not generate the itemized list until XX/XX/XXXX, XXXX the 30-day statutory window. According to O.C.G.A. 44-7-35 ( b ), the failure to provide this list within the specified time period works a forfeiture of all the landlord 's rights to bring an action for damages. 

Furthermore, the validation includes a vague 'Lease Breach Violation ' charge for {$1800.00} that lacks a comprehensive description or dollar-value estimation as required by O.C.G.A. 44-7-33. ProCollect is attempting to collect a debt that has been legally forfeited under state law, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that this account be removed from my credit report immediately. ''

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