vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Goldman Sachs Bank USA ( Marcus ) has restricted access to my funds totaling approximately {$450000.00} since XX/XX/year>. 

Since that date, Goldman Sachs has cited multiple different concerns or issues at various times. Each concern was addressed promptly and fully by me, yet after resolution, new and unrelated concerns were raised, resulting in continued denial of access to my funds. 

Despite repeated requests, Goldman Sachs has not provided a clear written explanation for the ongoing restriction, nor a definitive timeline for release. I have also requested written confirmation of my account status and account closure with transfer of funds, which has not been provided. 

I believe this represents an unreasonable delay, lack of transparency, and improper withholding of my funds. I am requesting immediate release of my funds, written explanation of any restrictions, and confirmation of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank opened a dispute on my XXXX credit card in XX/XX/year> without my authorization. I called in to check on a mailed payment that had not cleared my bank. I never requested a dispute. Synchrony charged a {$55.00} fee related to this dispute. In XX/XX/year>, my account was credited and my statement showed that nothing was owed. Now, they are asking me to pay the {$55.00} fee because the dispute closed. I did not authorize the dispute and should not be charged. I request that the {$55.00} fee be removed immediately and that my account reflect the correction in writing.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Finance Center
State: NC

Complaint narrative:
I purchased the car on XX/XX/year> with a 6 month warrant ( or XXXX miles ). The first week in XXXX we heard a noise upon cold start. We dropped the car off on XX/XX/year>. They informed us that the vehicle was ready on XX/XX/year> and that repairs had been completed. They stated that a diagnostic was done, timing chain kit was installed, Engine Variable Valve Timing Sprocket was installed. 

Removed and replaced : Timing chain Camshaft Sprocket Timing Cover and/or Gasket We continued to have issues and on XX/XX/year> another diagnostic was done and this time the repairs were as follows : Remove and Replace timing chain again XXXX Timing Chain Kit Remove and Replace timing cover and/or gasket Remove and replace heating core XXXX heat transfer heater core Remove and replace evaporator core Add XXXX antifreeze/coolant The problem still was occurring so we took it to XXXX XXXX  and found that there is a grinding noise upon starting. Sounds like timing chain rattling ( which was supposed to be repaired twice already ) and the vehicle was low 2 QTs of oil. XXXX added oil. 


We returned the vehicle to their shop the same day we left XXXX and this is the repairs they stated they completed : Remove and replace timing cover and/or gasket XXXX  timing chain kit Car is still experiencing the same exact issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I receive an average of XXXX calls per day, XXXX days a week. It is currently XXXX XXXX  and I have received 4 calls and one text message already today. Further I made what I was told was the entire balance due on the card when I made a payment of XXXX on XX/XX/year>. I am currently unemployed and have no income. I made a payment of what I was told was my entire balance. However I am still being harassed daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC
State: MI

Complaint narrative:
Called asking for statement about the debt was told they don't half to send me a statement.

Advised them legally they half to send me one as I also do collections and know the person paying needs to receive a statement of the debt.

Once I was advised of the date of the balance I also advised under Michigan law it was technically to old to be collecting on to which the customer service agent started to get into a fight with me which i went back at her with the sections of the law stating where this is written. 

To which then she asked why it was even in collections and I was maybe if i received statements it wouldn't have been. to which she then hung up on me. This is a horrible collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a request for a temporary hardship accommodation on my Chase business credit card through Chase Secure Messages on XX/XX/XXXX. My account is current and in good standing. On XX/XX/XXXX, Chase confirmed in writing that my request was forwarded to the appropriate department and that I would receive a response within 10 business days. 

That timeframe passed without a written determination or request for additional information. When I attempted to follow up, I discovered that my secure message access was XXXX and would not allow me to type or send messages ( the message composer is nonfunctional ). 

I then attempted to resolve this by phone. On multiple occasions in XX/XX/XXXX, my calls were disconnected immediately after being transferred to a customer service agent. This occurred more than once at the same point in the call. I was not provided a callback option. 

I later received an email from Chase directing me to use secure messaging or phone support, despite both channels being nonfunctional. As a result, I am unable to communicate in writing or by phone to obtain the status of my hardship review or instructions for submitting documentation. 

I am requesting that Chase restore accessible written communication and provide written confirmation of the status and handling of my hardship accommodation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amsher Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Dear Amsher Collection I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, 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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX in XXXX XXXX, XXXX. The agreed sale price was {$29000.00}. I explicitly refused financing multiple times ( including offers like " finance just a portion with no early payoff penalty '' ) and paid the full amount of {$40000.00} in cash by check after signing all documents. Bank records confirm the check was cashed on XX/XX/XXXX, XXXX my clear refusal and full cash payment, the contract received on XX/XX/XXXX, was structured as financed with XXXX XXXX as creditor, showing a total of {$48000.00} ( unauthorized increase of over {$7500.00} ) and the sale price changed to {$31000.00} without my agreement. The contract was assigned to TD Auto Finance, and an unauthorized lien was placed on the titleXXXX XX/XX/XXXX, I visited a XXXX office to verify the lien status. XXXX stated that the lien status could not be verified at this time due to ELT ( Electronic Lien and Title ) processing delay, and that records may take up to 60 days to update. This indicates that a lien was fraudulently applied or attempted to be applied without my consent, as I paid in full cash and never agreed to financing.The vehicle also has undisclosed structural damage ( announced at auction on XX/XX/XXXX, per XXXX  ) and an open safety recall with fire risk ( XXXX # XXXX, issued XX/XX/XXXX ), which were not disclosed during the sale. An authorized XXXX dealer inspection on XX/XX/XXXX revealed an abnormally high number of stored Diagnostic Trouble Codes ( DTCs ), excessive cleaning, repainted bumper, and signs of prior disassembly/repairs, indicating the dealer concealed the damage.I have filed a complaint with DMV ( XXXX # XXXX ) and other agencies. Under FTC Holder Rule, TD Auto Finance is responsible as assignee for the dealer 's fraud and non-disclosure.I request immediate loan cancellation, release of the unauthorized lien, removal of all financing/credit inquiries from my credit reports, and compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
In XX/XX/XXXX, I submitted an application for PSLF buyback with the XXXX XXXX XXXX XXXX Department of Education ). Case number : XXXX. I submitted another application 2 months after that. I have reached out each month asking for a status of my buyback application with only getting a broad emailing stating they escalated it but didn't have a timeframe on when it would be completed ( last response by email dated XX/XX/XXXX ). I applied for a forbearance with Mohela and received an email on XX/XX/XXXX stating there is a delay and it would be 90 days. I have XXXX payment made out of XXXX and the buyback would deem my student loan forgiven. They have also reported to credit agencies that I am late. Mt student loan should have been forgiven month ago. I can not afford to make a XXXX month payment. 
Thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX there was a {$500.00} XXXX payment posted to my checking account that I did not authorize. When I tried to click into the transaction to get more detail I realized there was no arrow for me to click into like there are for all of my other transactions. I called Chase on XX/XX/XXXX after noticing this transaction and filed a claim with their representative. They told me to give them XXXX business days to investigate. I didn't hear anything back so on XX/XX/XXXX I called again. This time they informed me that the claim had been denied citing " My Face ID '' and " My device '' was used for this transaction. When I told them that wasn't possible they told me I could upload a police report as supporting documents and they would reopen the claim. After I got off the phone with them I went straight to my police station and filed a report and then uploaded it to my chase account. Again they told me to give their investigation team 3-5 business days to investigate. On XX/XX/XXXX I called again because there was no evidence on my end of the app that the claim had been reopened. When I called they told the investigation team denied the claim again and are now refusing to reopen the claim or speak to me on the phone, which I do have a recording of. When I asked for way that I could prove I did not authorize this transaction I was told there was nothing more I can do and that I will not be receiving my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage ( UMW ) improperly advanced {$53000.00} for escrow in XX/XX/XXXX despite a federal bankruptcy court order requiring that amount to be handled through my XXXX XXXX XXXXepayment plan. This action violated the automatic stay under bankruptcy law. 

After making this advance, UWM demanded repayment through a 12-month payment plan starting XX/XX/XXXX, which inflated my monthly mortgage payment from {$2800.00} to {$6900.00}. This amount was unfeasible while I was insolvent and under bankruptcy protection. 

I sent a certified letter to UWMs Bankruptcy and Research departments with the signed federal order requesting removal of this escrow advance. Despite repeated attempts throughout XXXX, UWM has not corrected this error or acknowledged the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have been a long time customer of Goldman Sachs ( Appple ) card. I have purchased all my XXXX XXXX and XXXX all in the past have been in " installments '' that Apple card has as a service to their credit card owners. XX/XX/XXXX I purchased 2 new XXXX at an actual Apple store ( which I always do ) and when I said I wanted to use my Apple Goldman Sachs card, they said ok but ... unless your phone carrier is the top XXXX, XXXX, XXXXXXXX XXXX  ( yeah don't know why this one ) and XXXX XXXX XXXX  you can't be put on installments in store but rather make the FULL PURCHASE using your apple card and then wait a few days and call Apple Goldman Sachs and they will convert the purchase in installments. I said ok. I also had to go to XXXX store in the same mall thank goodness to have them switch the new phones. So it's a two step process... I will have two installment payments beginning XX/XX/XXXX for these two phones. I had to purchase another new phone for my husband I think around Tuesday XX/XX/XXXX we went in store, did the same set up. And today, XX/XX/XXXX I spoke with XXXX XXXX and then asked to speak to a supervisor, a XXXX XXXX who both are with Goldman Sachs who informed me that bc my carrier is not a top XXXX ( my XXXX is XXXX XXXX has been for years!! ) they can not convert to monthly installments. I asked since when because I just bought 2 phones and they have been converted last month. Apparently it's not supposed to be that way, and the policy has been there but not pushed .. I told them then the employees at Apple store ( 2 of them ) are informing their Apple Goldman Sachs customers wishing to do installments providing incorrect information and now I have a large BALANCE to pay with NO INSTALLMENTS bc this time around I am not able to do an installment. Doesn't make sense. I told them Goldman Sachs is limiting and separating their Apple card consumers by their carriers. All these large companies such the top 4 cellular carriers are working with Goldman Sachs but not everyone has them as a cell carrier. I happen to be a Goldman Sachs customer ( which apparently means nothing ) but an XXXX mobile customer. My option is to return phone at Apple, purchase the same phone through XXXX and have them put me on an installment. Although my other two new phones are on installments with Apple Goldman Sachs. I will be returning the phone and go thru XXXXXXXX and CLOSE my APPLE GOLDMAN SACHS CARD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a couch from XXXX XXXX through Synchrony Bank credit card. At the time their promotion was XXXX  months interest free on the total. The delivery date was supposed to be early XX/XX/XXXX but due to shipping delays the couch wasnt delivered until XX/XX/XXXX. Due to my frustration with the constant delivery delays, I contacted Synchrony and requested that all billing be delayed and started once the delivery was actually made, as I had no idea when I would receive the product and didnt feel comfortable paying for an item that I hadnt seen yet. Synchrony agreed to the delay and requested that I contact them once the shipment was received so that we could begin. Once it was received in XXXX of XXXX, I contacted Synchrony and advised that we could now start billing and payments, they once again agreed to start. Now in XXXX of XXXX I anticipated the start of interest payments so I logged in to pay off the remaining balance, and to my surprise see that I was already charged {$1400.00} in interest, a month earlier than we agreed upon. I attempted to resolve this with Synchrony, but was told that they agreed to delay billing but were not required to tell me that the XXXX  month interest free promotion had nothing to do with our agreement and was completely separate, thus making the interest valid. I feel that I was misled by Synchrony, if I was told that our agreement to delay billing wouldnt affect billing, I simply would have paid the balance off a month earlier. This is unacceptable and I strongly encourage anyone reading this to avoid opening accounts with Synchrony, as they will mislead you then tell you its your fault.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation