vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
So I filed a handful of disputes on XX/XX/XXXX and XX/XX/XXXX for fraud and I provided a police report as well and number. So then I called cause the fraud that happened had my account negative and was causing me financial hardship so a rep put a request in for rush provision credit which was approved then the next day they restrict my account and close my debit card saying its policy I havent violated any banking policy I disputed and filed a police report they they locked my account stopping me from use of my funds per regulation e I should have full use to any funds credited to the account. Then one rep disrespectful hung up told me I didnt know what I was talking about I asked for a supervisor gave me push back from 2 reps. They violating policy by restricting my account no written resolution nor reason why my account is going thru any fraud holds when my account was fine I even went got a new debit card as well they wouldnt even let me change pin saying only if fraud but Im like I filed fraud so not sure were the confusion is at I need a resolution not a appeasement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am dissatisfied with Wells Fargo 's response because it simply repeats the conclusions from prior denials without adequately addressing the evidence and circumstances surrounding this fraud claim. Wells Fargo continues to state that the transactions were completed using valid credentials and were consistent with prior account activity. However, the bank has not explained how it determined that I personally authorized these transactions, nor has it addressed the fact that the receiving XXXX XXXX account did not belong to me. I have consistently reported that these transactions were unauthorized. I filed a police report and cooperated with law enforcement. The individual involved is facing criminal charges related to these events, which further supports my position that these transactions were not authorized by me. Wells Fargo 's response fails to explain why this information does not affect its determination. The bank 's latest response appears to be substantially identical to its previous responses and does not address the specific concerns raised in my complaint. Instead, it repeats prior conclusions without providing new evidence or a detailed explanation of its investigation. I am requesting that Wells Fargo provide the complete basis for its determination, including all evidence relied upon to conclude that I authorized these transactions. I also request documentation showing how the bank determined that the use of account credentials alone proves authorization, particularly when there is evidence of criminal activity, a police report, and a receiving account that was not owned by me. I respectfully ask the CFPB to review whether Wells Fargo conducted a reasonable and thorough investigation under applicable consumer protection laws and regulations. I continue to dispute these transactions and maintain that I did not authorize them. Thank you for your consideration.

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 2026-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My loan servicer is moving forward with foreclosure even though I am actively trying to complete the lossmitigation process. My loan modification was not denied. It was administratively removed only because the servicer required a wet signature, and the cosigner was temporarily out of the country. The servicer also confirmed that XXXX XXXX XXXX ( XXXX ) was not permitted for this document type, which made it impossible to complete the signature at that time. The cosigner will be back in the United States at the end of this month, and we are prepared to sign immediately. I have requested that the servicer reopen the lossmitigation review, but the foreclosure attorney is still moving forward with the scheduled sale. Violations : The servicer is violating federal mortgage servicing rules under 12 CFR 1024.41, including : Reasonable diligence ( 12 CFR 1024.41 ( b ) ( 1 ) ) They did not allow reasonable time to obtain the required wet signature, even though the delay was unavoidable and temporary. Reasonable opportunity to complete documents ( 12 CFR 1024.41 ( c ) ( 1 ) ) They removed my application instead of allowing time for the signer to return. Dualtracking prohibition ( 12 CFR 1024.41 ( g ) ) They are continuing foreclosure activity while I am actively working to complete lossmitigation. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I discovered that Portfolio Recovery Associates is reporting a collection account on my credit report in the amount of {$1200.00}. I do not recognize this account and have no knowledge of this alleged debt. I have never entered into an agreement with Portfolio Recovery Associates and have not received sufficient documentation demonstrating that I am legally responsible for this debt. After becoming aware of the account, I disputed the reporting and requested verification of the debt, including documentation showing that I incurred the obligation and that Portfolio Recovery Associates has the legal right to collect and report it. Specifically, I requested documentation identifying the original creditor, account records, and documentation establishing the chain of ownership of the debt. To date, I have not received sufficient evidence proving that this debt belongs to me. Despite the lack of documentation, the account continues to be reported on my consumer credit reports. I am requesting that Portfolio Recovery Associates conduct a thorough investigation and provide documentation supporting the validity of the account. If the debt can not be verified, I request that the account be removed from all consumer reporting agencies and that any inaccurate information be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am disputing an automobile loan account being reported by SBNA with a highest balance of {$23000.00}. I have no knowledge of this alleged account and have never obtained, financed, or entered into any automobile loan agreement with SBNA. I do not recognize this account and have not received any loan proceeds, billing statements, payment notices, or other correspondence related to this alleged debt. Upon discovering this account on my credit report, I promptly disputed the information and requested verification of the debt, including documentation demonstrating that I am legally responsible for the account. Specifically, I requested a signed loan agreement, application, promissory note, payment history, and any documentation bearing my signature or otherwise proving that I authorized or opened this account. To date, I have not received sufficient evidence establishing that this account belongs to me. If SBNA maintains that this account is accurate, I request that they provide complete documentation supporting their claim. If they are unable to provide such documentation, I request that the account be immediately removed from all consumer reporting agencies and that any inaccurate reporting be corrected. I am requesting a thorough investigation of this matter and a written response detailing the results of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hi my name is XXXX XXXX I have other credit cards before and they don't do anything like XXXX XXXX is doing with people credit cards say my due date is XX/XX/year> XXXX I didn't pay it on the due date I pay them early before the due date they r changing me a late payment when they had there money early before the due date so why I'm getting charged late fee of XXXX so I closed my account with them but they are a scamming people when you pay your bill early u should not get charged a late fee some XXXX needs to look in To it because it's XXXX XXXX thank you n God bless...

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 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Regarding Synchrony Bank Credit Limit Reduction To Whom It May Concern, I am submitting this complaint regarding Synchrony Bank 's decision to significantly reduce my credit limit despite my efforts to responsibly manage my account and pay my obligations in full. On XX/XX/year>, I made a payment of {$3500.00} toward my Synchrony account, satisfying my balance and demonstrating my commitment to maintaining my financial responsibilities. Shortly thereafter, Synchrony Bank reduced my available credit limit. As a self-employed contractor, my income structure differs from that of a traditional salaried employee. I am not paid weekly or bi-weekly. Instead, my income is often received monthly or every other month depending on project completion and customer payments. While my payment schedule may not reflect a conventional payroll cycle, I have consistently made every effort to pay my obligations in full when funds become available. I understand that financial institutions periodically review customer accounts and assess risk. However, I find it concerning that after making a substantial payment and reducing my overall debt, my credit limit was reduced rather than maintained or reviewed in light of my positive payment activity. Such actions can negatively impact a consumer 's credit utilization ratio and overall credit profile despite responsible account management. I respectfully request that the Consumer Financial Protection Bureau review this matter and determine whether Synchrony Bank 's actions were fair, transparent, and consistent with applicable consumer protection laws and regulations. I would also appreciate clarification regarding the specific factors used to justify this adverse action and whether the information relied upon was current and accurate. I am seeking a fair review of my account and an explanation of the basis for the credit limit reduction. I believe consumers who make substantial payments and demonstrate responsible repayment behavior should not be penalized without clear justification. Thank you for your time and consideration of this complaint. I look forward to your response. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Hello, I have a XXXX complaint. Approx 30 days I purchased a new BMW, and leased said BMW. I dont like the vehicle and understand I will lose money due to depreciation. But that is not the problem here. When I contacted BMW, They told me they would only accept payment from a BMW dealership if i decided to sell. Or I could pay and early termination. I owe {$87000.00}. BMW of XXXX and BMW of XXXX, knowing i must go through them. Only offered XXXX for the vehicle. So this would be a {$6400.00} loss ( 1 month it ago, it was {$110000.00} MSRP, Cars do not depreciate at this rate, i was in the auto business forever ) I then shopping a used car dealership, who offered {$85000.00} for the car. That would mean i only lose {$1700.00}. I called BMW Financial Services on the XX/XX/XXXX, and they once again demanded I could not transfer the car to the used car store. ( I give the used car store my car and {$1700.00}, and they write a check to BMW financial services to pay off cars note and recieve the title ) BMW made me believe I signed a document saying they had first right to the car. I dont recall this document, but if I did sign it... They still have to give fair market value on a car. And If i have a desalership willing to take the car in trade for {$85.00}, while BMW is only offering {$81000.00}... BMW should have to pay that {$85000.00} or allow the highest bidder to aquire... This is clearly a violation of CUPTA IMO. On XX/XX/XXXX, I felt so defeated, I decided I would just pay the early termination and gave up trying to rationalize with BMW. I paid a early lease turn in fee of {$5100.00}. I was read my right to cancel this payent and right of rescission to stop the early termination within 3 business days. BMW recorded this. On XX/XX/XXXX, legal counsel informed me that what BMW was doing was indeed Not allowed here in Connecticut. I called BMW financial services and told them I wish to exercise my right of Recission and cancel said early lease buyout. BMW Financial services procced to process the cancelation and put me on hold for 20 minutes. When they returned, the agent informed me, my payment would be canceled and refunded... EXCEPT. They were only refunding me {$4000.00} ... Because the next lease payment was due on XX/XX/XXXX. Once again this is complete breach of XXXX. My right of cancellation was made, nowhere did it say " We can hold money to pay future payments '' My payment is for XX/XX/XXXX, not XX/XX/XXXX. Hence it is not due yet. and I'm pretty sure I have a 10-day grace period... BMW does not have the right to hold my money hostage. I wanted to reach out to you prior to filing a complaint and taking legal action. Its Principle at this point. And its Wrong. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I was looking over my credit report and noticed a new collection company was on there. I have not received one piece of mail, phone call or email from them nore the company they are representing and I have been in the Military for the past two years and I do have certain protection under the SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
By the federal statue or United States 15 USC 1692G collections accounts can not be collected by them because they are not the original creditor so making that statement they have to send it back to XXXX XXXX for the {$210.00}. They are the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I use cash app and I've reported over and over for the past five months that when I make a purchase for anything even utility bills someone is phishing small amounts of the purchases I make I was in good standing with them but now they say I owe them {$50.00} that yes I did borrow but I paid it back in full and they would some how erase the transaction as if it never was paid I've went round and round with them and got into cussing screaming matches they are no help I really wish they'd get shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I made a payment toward my Sams Club XXXX Mastercard account issued by Synchrony Bank. Because the payment was made over a holiday/weekend period, the payment fully cleared my bank account on XX/XX/year>. Despite the payment successfully clearing my bank, Synchrony Bank placed an extended hold on restoring my available credit until XX/XX/year>. I was informed this was due to a payment hold/review, even though I have had this account for approximately five months and have consistently paid the full balance on time every month. I have no history of returned payments, missed payments, or fraudulent activity. I contacted customer service and escalated the matter to a supervisor. However, I was told that no assistance could be provided and that the hold would remain in place until XX/XX/year>. This situation has created a financial hardship because the withheld available credit has prevented me from purchasing groceries and other necessities, despite the payment already clearing my bank account. I do not believe it is reasonable to continue restricting access to my available credit for approximately two weeks after the payment was successfully processed and settled. I am requesting that Synchrony Bank review this matter, release the hold on my available credit, and provide a clear explanation for why such an extended hold was placed on my account despite my positive payment history. I have included all statements and screenshots of recent transactions for your review.

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 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX ) I had purchase from XXXX XXXX XXXX XXXX XXXX XXXX for my wife. I was supposed receive XXXX free for a year and I never did. I had to keep calling, begging, and reexplaining the credit I was not getting. I spent alot of hours on the phone and eventually I got tired doing that and gave up. XXXX ) Someone was able to walk into an XXXX store and remove my wife phone number ( XXXX XXXX with out my permission ( still have not receive an explanation ). I only caught this when I was online making a payment and saw a number I did not recognize. I immediately call customer service and they ( according to the reps ) was able to get the number back, close that account and move our services to another account ( I did not know this ). Somehow the old account was placed in collections. XXXX ) XXXX was debiting my credit card and i was not getting credited to the account on file. The ghost account was XXXX XXXX. This occurred XXXX thru XXXX. I did not receive all my money back because they could not verify some payments in their system despite the record from my credit statements. Trouble tickets XXXX, XXXX, XXXX. XXXX ) I continue to make payments and payoff the XXXX XXXX XXXX In the settings it still says " Sims locked '' in the carrier settings. I have called so many times and spent so many hours trying to clear this up. The XXXX reps acknowledge that the phone is paid off and should be unlocked. I always was promised someone will worked on it and I will get a call back ( NEVER HAPPEN- this is just a delay kick the can down the road tactic ). I been put on eternal holds, switch so many times between departments. XXXX has caused damage to my credit file and should immediately remove this and I should be compensated for all the mishaps. XXXX will not release the carrier lock dispite the device being paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XXXX different occasions asking for some type of hardship program. I wanted to continue to pay but requested a reduced amount. By balance at the time was {$4700.00}. My payments were {$150.00}. I asked them to reduce the rate, asked if I could pay {$50.00} a month for XXXXmonths. However they did not provide a solution, other than pay the amount by the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
Initially, I wanted a trade-in to a XXXX XXXX when I got there they said they sold the vehicle I wanted but had my second option that had a motor XXXX issue and some other issues and they said they couldnt do a trade-in. I shouldve left then because they were saying they would be helpful but the very first payment my landlord raised the rent and I needed a payment arrangement and they were very rude and talking to me as if it was a personal spat when it was business and I yelled at them for the very first time telling them dont speak to me that way and its been downhill ever since I needed a payment arrangement for almost every payment and I told them I just wan na give it back I want them to come pick it up and they kept making payment arrangements that I couldnt keep and finally they said they would pick it up. I cleared everything out of it and then they didnt pick it up and said that they would make another payment arrangement and I think its only so they can have more power over the repossession instead of a voluntary from the Customer, which is myself. Its only been XXXX months. Its been XXXX from the beginning and I just XXXX XXXX XXXX cant afford XXXX insurances XXXX cars and no true help I live out in the country and that is why I needed an SUV. I had XXXX when I moved here but someone on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd so Ive had a blessing of this XXXX XXXX XXXXXXXX, but I wanted to trade it in and XXXX XXXX XXXX. Ive heard terrible things and people telling me I shouldve never went to them and theyre horrible People and it is true, they are dishonest. They are rude. They fix the XXXX XXXX when it was time for me to pay my down payment, but they didnt tell me and its my fault that I didnt notice that certain things didnt work. There were finger polish and hidden places for {$22000.00} its a rip off my XXXX XXXXXXXX XXXX is way better and I guess XXXX just have to stick with it.

Company response to consumer: Closed with explanation