vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TN

Complaint narrative:
The amount of XXXX is not my debt its not my name or address its a identity theft I told them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: OH

Complaint narrative:
I enrolled in a debt settlement program with JG Wentworth. Two accounts were settled and I canceled the program XXXX. After cancellation, the company is refusing to release the remaining funds in my dedicated account and is claiming they need to hold the money for future settlement fees, even though no future settlements are authorized. I am requesting a full refund of my remaining balance and an itemized breakdown of all fees taken. I had a loan with XXXX XXXX XXXX with a principal of {$1200.00}. The company restructured or inflated my account so that it appeared as a {$10000.00} loan, charging exorbitant fees and interest far beyond the original amount. I believe this was done to maximize their profits and is unfair and deceptive. I am requesting a full accounting of the loan, removal of inflated fees, and relief from the unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I sent a formal dispute via certified mail to Synchrony Bank regarding unauthorized changes to my account, including an increase in autopay amounts that I did not authorize. This dispute has not been acknowledged or responded to. Since that time, Synchrony Bank has attempted unauthorized electronic withdrawals from my bank account on three separate occasions. These transactions were not authorized, and my bank was required to reverse them. Despite the account being under active dispute, Synchrony Bank has reported the account as delinquent to credit reporting agencies. In addition, Synchrony Bank sent correspondence regarding my account to an address that is not mine and was never provided by me, raising concerns about inaccurate records and handling of my personal information. I have made multiple attempts to resolve this issue. I have been directed to access an account I can not log into and was previously instructed by a representative to create a new account, which does not resolve the issue. I am requesting : - Immediate cessation of all unauthorized electronic withdrawal attempts- Written confirmation that no further debits will occur - Full validation of the account balance and activity - Correction and removal of inaccurate credit reporting - Explanation of the use of an unauthorized address - Formal response to my original dispute This issue has caused financial disruption and forced me to take action with my bank to prevent further 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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: SC

Complaint narrative:
The letter they sent me didn't have any dates or proof obmf the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I bought a Blackhawk Network gift card in the amount of {$100.00} and had an unfortunate experience with my gift card purchase on XXXX. Upon activating the card, I discovered that it only had a balance of XXXX XXXX, and upon investigation, the card oddly showed a fraudulent transaction on the day of activation ; a scammer spent {$100.00} on XXXX. I immediately contacted Blackhawk customer service and followed all required steps, and a replacement card was sent only to have the same problem with the replacement card. Upon activation, the replacement card with a XXXX balance on it. Despite numerous attempts to rectify the situation with the card network, I have encountered prolonged excuses, additional requirements, delays, and difficulties. After numerous calls to them, emails, and submitting the requested documents of proof, it has become evident that the gift card company has failed to deliver the expected value, and left me without a resolution. Regrettably, the process of obtaining a refund through the card network has proven to be unsuccessful, leading to a financial loss. It is disheartening to acknowledge that despite my best efforts, the company and XXXX XXXX XXXX seem unresponsive to rectifying this issue, and I feel compelled to share this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I contacted the First National Bank of PA XXXX XXXX branch manager on the phone on XX/XX/year>, to ask how quickly I could have checks issued to my siblings distributing the proceeds of the sale of my mother 's house. The branch manager, XXXX XXXX, told me we would need to wait for two days to issue the checks. I visited the XXXX XXXX branch on XX/XX/year>, to deposit the check issued to the estate out of the closing by a local law firm. We know the check is good and the funds are available to XXXX of PA. The check was around {$190000.00}. The branch told me XXXX XXXX had made a mistake when he told me we would need to wait 2 days and that in fact it would be 6 business days. The branch issued a letter to me indicating the funds would be available on XX/XX/XXXX. On XX/XX/year>, I received a letter from the XXXX of PA main office stating that the bank is treating me as a " New Customer '' and as such the hold on the check I deposited on XX/XX/XXXX would not be available until XX/XX/XXXX. On XX/XX/year>, the branch told me to contact XXXX of PA Customer Service. I did so and was told there is nothing the bank can do. The bank is arbitrarily designating me as a new customer in order to retain nearly {$200000.00} for two weeks and withhold our access to that money. I have been a customer of the bank and of this particular branch since the XXXX. We are NOT new customers. My mother was a customer of the same branch and so are my children. Between us we own over a dozen checking and savings accounts along with a line of credit account. There is no possible way XXXX of PA can justify treating me as a new customer in order to withhold the funds deposited on XX/XX/XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding a {$1000.00} transaction processed through Cash App to XXXX XXXX XXXXXXXX XXXX. On or about XX/XX/year>2026, I attended a sales presentation while on vacation in XXXX. During this presentation, alcohol was provided, and I was led to believe I was agreeing to a vacation-related offer, not a timeshare agreement. The sales representatives explicitly stated that this was not a timeshare, which was misleading. Shortly after, I realized I had been enrolled in a timeshare agreement under false pretenses. Additionally, important documentation and disclosures were sent to an incorrect email address, preventing me from properly reviewing the agreement and understanding my rights, including any cancellation period. I contacted the timeshare company within the rescission ( cancellation ) period to cancel the agreement. Despite this, I received no response from the company and my cancellation request was not honored. I then attempted to dispute this transaction through Cash App, providing all relevant details and supporting information. I specifically requested documentation and evidence explaining the basis for their denial. Cash App denied my dispute and subsequent appeal but failed to provide any explanation, supporting evidence, or documentation justifying their decision, despite multiple requests. I was only given a generic response stating that their decision was final. I believe this transaction falls under deceptive and misleading sales practices. I am requesting : XXXX. A full refund of the {$1000.00} transaction XXXX. Documentation and evidence used by Cash App in denying my dispute XXXX. A formal review of Cash Apps dispute handling process, specifically their failure to provide transparency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NJ

Complaint narrative:
I am filing a complaint against Capital One for improperly denying my dispute for a charge of {$3300.00} for goods that I never received. This transaction was part of an XXXX XXXX XXXX order ( Order # XXXX ), totaling {$4600.00}. The remaining balance of {$3300.00} was charged to my Capital One card on XX/XX/XXXX. The merchant failed to meet the agreed shipping terms ( 45 days after full payment ), and the order is marked Delayed dispatched. As of today, I have never received the product, and there is no proof of delivery. Tracking only shows activity within XXXX, with no evidence that the shipment reached the United States. Capital One initially closed my dispute, stating it was beyond 60 days. However, due to the nature of this transaction ( international manufacturing and sea freight ), it would have been impossible to receive the goods within that timeframe. In XX/XX/XXXX, I received communication from the merchant claiming delivery. Capital One asked me to provide documentation, which I did promptly. Despite this being within 60 days, they automatically denied my claim without properly reviewing the information. Additionally, when I contacted Capital One, the representative was rude and unhelpful, and my request to escalate was not handled appropriately. I have made multiple attempts to resolve this with both the merchant and XXXX, but have been given the runaround. I have provided Capital One with all the requested documentation and have been a loyal customer for years with no prior issues. This is not a small amount of money, and I am being held responsible for goods I never received. I am requesting that Capital One : Reopen and properly investigate my dispute Review the documentation submitted in XX/XX/XXXX Issue a full refund of {$3300.00} This is a clear case of goods not received under the Fair Credit Billing Act, and Capital Ones handling of this dispute has been unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
On or about XX/XX/year>, I received a communication from Credit Collection Services regarding an alleged past-due account with XXXX ( Reference File # XXXX ). I am a victim of identity theft and do not recognize this account. I have never had an insurance policy with XXXX, I do not own a vehicle, and I have never lived at the address associated with this alleged debt. Based on this, I believe my personal information has been used fraudulently. I have not been provided with any documentation showing that I authorized or opened this account. The debt collector has not provided sufficient validation to demonstrate that I am responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Merrill account locked without explanation ; funds inaccessible for urgent obligations Complaint : On XX/XX/year>, I discovered that my account with Merrill Lynch had been locked. I immediately contacted customer service but was not provided with any explanation. I escalated the matter to a XXXX ( XXXX XXXX, who also did not provide any details regarding the reason for the restriction. He stated that he would follow up via phone or email after obtaining more information. During this call, I clearly informed Merrill that I urgently needed access to my funds to pay time-sensitive obligations, including bills and my mortgage. As of XX/XX/year>, I had received no follow-up communication. My account remained locked, and I continued to have no access to my funds. When I contacted Merrill again, I was informed that my account was in the process of being terminated, again without any explanation. I was told that my remaining funds would be returned via check, but no clear timeline was provided. I escalated again to the same XXXX ( XXXX XXXX and reiterated the urgency of my situation, including the risk of missing critical payments. Despite this, Merrill has continued to restrict access to my funds for over XXXX week without justification or timely resolution. Issue : Merrill has denied me access to my own funds for an extended period without explanation, notice, or timely resolution, causing potential financial harm. Requested Resolution : Immediate restoration of access to my funds OR expedited release of funds via wire or other immediate method ( not a mailed check ) Clear written explanation for the account restriction and closure

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Student loans listed on my credit report from XXXX since XXXXXXXX XXXX XXXXXXXX should be removed but instead was transferred to another financial institution. I did not give authorization for my information to be shared with any other loan company. XXXX was sued for illegal steering into costly forbearance instead of income driven repayment plans. I was in forbearance when the lawsuit took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have called USBANK customer support 5 times since XX/XX/XXXX to close a CD with a balance of {$160000.00}. I am told that it will take 2 days. That they need to contact thier " internal team '' and to call back tomorrow. Nobody can explain why i can not close the account or transfer out the funds. It before maturity, but the terms say i can do so with a penalty, which I accept. I made calls on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. I am trying to buy a home and this is my down payment money. This situation has become extremely detrimental.

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 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my student loan accounts XXXX and XXXX with Sallie Mae. My XXXX payment was attempted but rejected by my bank. On XXXX XXXX, 2026, I received written communication from Sallie Mae stating I had until XX/XX/XXXX2026 to bring my account current before it would default. Despite this, Sallie Mae manually defaulted my account and canceled my scheduled payments for XXXX and XXXX, preventing me from curing the account in good faith. This action is contrary to Sallie Maes own written communication and constitutes a premature charge-off / wrongful default. The manual default has negatively impacted my account status, potential repayment options, and may lead to further collection activity. I request the following : XXXX. Immediate review and correction of my account status to reflect my good faith efforts and the XX/XX/XXXX deadline. XXXX. Confirmation that any internal records or collection actions reflect the correct timeline. XXXX. Verified instructions for bringing my account current immediately. Attached : Email dated XX/XX/XXXX 2026, showing the extended deadline Bank notice of rejected XXXX payment Call logs/ notes documenting attempts to contact Sallie Mae Copy of prior CFPB complaint related to credit reporting I am requesting prompt resolution and written confirmation of any corrections. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: MOHELA
State: WV

Complaint narrative:
I established a new IBR payment with my services MOHEALAbased on the fact that my husband is now unemployed, the payment amount should be XXXX they auto drafted XXXX on Saturday morning and I have been trying to fix this issue all weekend still to sure it is fixed but if I wasnt ever vigilant this thing overdrew my account on XXXX weekend and I think these tactics are lowest of low it is clearly a scam discised as a mistake for reasons of plausible deniability

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I am writing to dispute a charge-off account that is still showing an outstanding balance, even though it has been sold or transferred to a collection agency. The original credititor no longer owns this account, and reporting a balance under their name is inaccurate and misleading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that is currently being reported on my credit report that appears to be inaccurate. After reviewing my credit reports with XXXX XXXX and XXXX, I noticed that the information associated with this account is incorrect and does not accurately reflect my credit history. I previously disputed this account and requested verification of the information being reported. However, the account continues to be reported without sufficient documentation validating its accuracy. Under the Fair Credit Reporting Act, all information furnished to the credit reporting agencies must be complete, accurate, and verifiable. If the company reporting this account can not provide proper documentation verifying the debt and the accuracy of the information being reported, the account should not remain on my credit report. I am requesting that the company conduct a proper investigation into this matter and either provide complete documentation verifying the account or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation