vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally express my concern regarding a misleading credit card promotion my husband and I experienced at XXXX of your XXXX XXXXt locations on XX/XX/XXXX. We visited the store with the intention of purchasing a toolbox that was clearly marked with a sign stating the price as {$290.00}. 

When we attempted to purchase the item, both the supervisor and the XXXX informed us that the displayed price was only available if we applied for a XXXX XXXX credit card. This was presented as a required condition to receive the advertised price. After reviewing your companys promotions, it is clear that XXXX XXXX does not have any offer that mandates customers to apply for a credit card in order to receive a sale price. 

This experience was not only misleading but has also had a direct negative impact on my husbands XXXX XXXX due to an unnecessary credit inquiry. Beyond the financial impact, this situation has caused us to question the integrity of the sales practices being used in your stores. These tactics undermine consumer trust and damage confidence in doing business with XXXX XXXX. 

I strongly recommend that the XXXX and associates at this location receive additional training on how to present promotions accurately and ethicallywithout manipulation or misrepresentation. Customers should be able to rely on the information displayed in your stores and trust that your team is providing honest guidance. 

We hope that you will take this matter seriously and address it promptly to prevent similar experiences for other customers. 

Thank you for your attention to this issue. I look forward to your response and to seeing XXXX in your store Image preview

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX  months ago, American Express opened complaint XXXX in order to get purchase protection claim XXXX resolved. I then provided them the receipts and statements they asked for in order to get the complaint resolved and they confirmed that they received. However, today when I called to get an update, the agent said that they are refusing to resolve the complaint without any reason nor explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am the VA borrower and seller on a home loan being assumed by a buyer. Freedom Mortgage is the servicer handling the assumption. My original scheduled closing date was XX/XX/XXXX. I was only informed through my realtor, not directly by Freedom Mortgage, that the closing has been delayed until XX/XX/XXXX after multiple unanswered attempts to contact my assigned loan processor. 

Freedom Mortgage reassigned my loan processor without notifying me, failed to warn me that my closing date was at risk, and relied on my realtor instead of communicating directly with me as the borrower. I was previously advised that my closing date would not move back, and I relied on that representation when scheduling movers and vacating the property. Movers came on XX/XX/XXXX, and I am now displaced from my home while still legally responsible for it. 

These delays and communication failures have caused me financial hardship, extended legal liability, housing disruption, and risk of property damage. I requested a supervisor callback and was told I would receive XXXX the same day, but no one ever contacted me. This was not the first time I was told someone would call me back and did not. The same thing occurred when calling to ask questions about paperwork on XX/XX/XXXX and only received a answer to my questions after repeatedly calling over several days.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Re : Account Number : XXXX ( as listed on XXXX  ) Original Creditor : XXXX XXXX XXXX  Reported Balance : {$510.00} Date Opened : XX/XX/year> Dear Credence Resource Management, I am writing to formally dispute and request validation of the above-referenced account that your company is reporting on my consumer credit report. 

According to XXXX, you are reporting a collection account opened on XX/XX/year>, with a balance of {$510.00} allegedly owed to XXXX XXXX XXXX. I dispute the accuracy, validity, and completeness of this alleged debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following documentation : Proof that I am legally obligated to pay this debt, including the original signed service agreement or contract with XXXX XXXX XXXX. 

A complete itemized statement showing how the {$510.00} balance was calculated, including charges, fees, and dates of service. 

Documentation of all payments made on the account prior to charge-off. 

Proof that Credence Resource Management has the legal authority to collect this debt, including the assignment, bill of sale, or chain of title from XXXX XXXX XXXX. 

The date of first delinquency and the date the account was charged off by the original creditor. 

Until this validation is provided, I request that all collection activity cease and that this account be marked as disputed with all consumer reporting agencies in compliance with federal law. 

This letter is not an acknowledgment of liability or responsibility for this alleged debt. It is a formal request for validation and a notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am requesting validation of a reported debt in the amount of {$15000.00} allegedly owed to XXXXXXXX XXXX XXXXXXXX XXXX ( original creditor ). During the time in question, I was stationed in XXXX, XXXX, and residing at the XXXX XXXX XXXX XXXX XXXX during the XXXX pandemic. I was enrolled in a rental assistance program that covered my housing expenses directly to the property management. To my knowledge, my rent was fully paid and current throughout my stay. When I moved out, there were no issues, outstanding balances, or fees communicated to me by the leasing office or management. Approximately XXXX XXXX later, while applying for a new apartment, I discovered that a {$15000.00} balance had been reported to my credit as owed to XXXXXXXX XXXX XXXX XXXXXXXX. When I attempted to contact the original management to resolve or verify this matter, I learned that the property was no longer managed by the same LLC, and I was unable to obtain any billing records, account details, or documentation supporting this debt. I am formally disputing the accuracy and validity of this alleged debt and requesting the following under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : Verification that the debt is valid and owed by me ; An itemized statement showing how the balance of {$15000.00} was calculated ; Documentation of payments made through the rental assistance program ; Proof that the current collector or reporting agency has legal authorization to collect or report this debt. Until this validation is provided, I request that all collection and credit reporting activity on this account be suspended or marked as disputed in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I reported to PayPal that my account was taken over and a transaction of XXXX dollars was made. The company opened a case and closed the case on XX/XX/XXXX in " seller 's favor ''. My appeal and Message Center options are missing, preventing proper appeal before the XX/XX/XXXX deadline. Unauthorized access cases can not be resolved in the sellers favor under PayPal policy. My appeal options were disabled in PayPals system before the deadline, rendering a proper appeal impossible. I changed my passwords, but the unauthorised activities continued with PayPal blocking my appeal. More unauthorized transactions followed, with no reaction from PayPal to my further requests for help. On XX/XX/XXXX {$4400.00} were stolen from my account by an unauthorized user. I can provide further documentation to support my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX XXXX Model XXXX ( VIN : XXXX ) through Santander Consumer USA via XXXX XXXX, Alabama. I made a {$5200.00} down payment and made XXXX monthly payments to Santander totaling {$4200.00} between XXXX and XX/XX/XXXX. 

In XXXX, the dealer ( XXXX ) initiated a deal unwind/rescission to cancel the transaction. As part of this process, I arranged multiple times for the vehicle to be picked up by XXXX, but the vehicle was never picked up. Despite my cooperation and willingness to return the vehicle, neither XXXX nor Santander followed through with the retrieval. 

XXXX went by and I still have possession of the vehicle. I have continued to maintain current registration and insurance on the vehicle throughout this entire period, acting as a responsible owner despite the unresolved title situation. 

On XX/XX/XXXX, I obtained documentation from XXXX confirming that Santander Consumer USA shows a payoff balance of {$0.00} for this vehicle. Despite this XXXX balance : - Santander Consumer USA has not released its XXXX XXXX Santander remains listed as lienholder on my Louisiana title - I can not obtain clear title to a vehicle I own free and clear- This situation has continued for over XXXX years I have taken the following steps to resolve this matter : XXXX. Contacted XXXX multiple times regarding the title XXXX. Opened a case with XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. Requested XXXX release documentation in writing XXXX. Contacted Louisiana XXXX ( XX/XX/XXXX ) XXXX has acknowledged that Santander shows {$0.00} owed but has not produced a lien release. Santander has not directly responded to requests for XXXX release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX called and was lft on hold for XXXX min XXXX XXXX went on web and did a payment arrangement of {$290.00} every month .end date XX/XX/XXXX. No response, and no money was taken out -Nov XXXX XXXX, no response when called when online, and to check and no response to the payment arrangement XXXX XXXX XXXX called Syncrony ( original creditor ) and they provided another phone number to call, and I called and they had me on hold XXXX min then went to vm and i left a messaage for them to call me back. 
As of today XX/XX/XXXX no 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received the email and responded immediately. Spoke with a representative who identified herself as Best Buy. Contrary to the advertisement, representative stated that the agreement would only be for the XXXX payments to bring account current. Stated that the balance would still be owed. When I insisted in the false advertisement, representative denied is as such, This offer expires on XX/XX/year>. To take advantage of this opportunity, simply call us at 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Theres a credit card of XXXX from chimeFinal in my name and I dont owe that credit card I never applied for it so is someone who is handing it in my name so its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: AK

Complaint narrative:
I have an investment property mortgage with Select Portfolio Servicing. I have repeatedly tried to access my documents, including my XXXX  Form XXXX, monthly mortgage statements, and payment history ( including escrow and taxes ), through their online portal. The portal does not allow me to download or view the documents correctly. I also received emails stating that documents are ready, but when I log in, nothing is available. I need access to all mortgage documents and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I reached out to AmeriSave I connected with XXXX a loan office with XXXX, I advised him that I had filed and dismissed a XXXX XXXX XXXX in XXXX, I was looking to do a cash out refinance on my property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, was told that I was prequalified, was told that I would need to pay {$500.00} rate lock I agreed nothing indicated that I would not be approved, just a list of documents needed for the loan processor XXXX XXXX, I provided every document, even a mortgage verification statement from my current mortgage company XXXX XXXX  it was rejected, then I uploaded my husband 's XXXX XXXX XXXXXXXX which is paid via XXXX XXXX XXXX and also uploaded the documents from Social Security indicating that he was approved for social security XXXX, those were rejected then on XX/XX/XXXX XXXX asked me about my XXXX  XXXX  case this is when I found out that I was not yet approved or even ready to go to the next step which from the way everything was presented an appraisal would be done and then we would close and then payout would happen, I reached out and spoke to XXXX as the portal was reflecting yet again that I needed to upload additional documents that I had already uploaded the previous day he advised me that this was an automated system, I asked what if i am not approved would I be getting a refund he said no I advised that was not disclosed advised him that his supervisors need to go back and pull that call as I did not have {$500.00} to just throw away he stated that a lot of people have invested time and effort into getting this process completed I advised that I wanted to cancel this he said again that the funds would be lost regardless, after having a disagreement with him his tone was condescending and instructed he was disconnecting the call, I reached out to XXXX and asked about the update she said that it was fixing to go to underwriting I said okay so another day or so before I found out about when appraisal and closing will be, she said normally about XXXX. well on XX/XX/XXXX I received an email from XXXX XXXX, was once again asked for additional documents pertaining to the dismissed bankruptcy, XX/XX/XXXX another email asking about the XXXX, I asked why we were running in circles as I am being asked the same question repeatedly, them about XXXX later I logged into their portal and found that my loan application was denied due to past XXXX  and past mortgage performance, I reached out no one was responding, I did end up getting my refund of the {$500.00} today but still this company should be investigated, if this happened to me, there has to be others out there that are being misled and mistreated perhaps for XXXX orientation or race.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Re : Dispute Under 15 U.S.C. 1681 Lack of Written Consent Dear TransUnion, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to formally dispute the collection, furnishing, and/or release of my consumer credit information without my written authorization. 

Specifically, I have identified that my consumer report and/or related personal information has been accessed or furnished without my knowledge, permission, or consent. Under the Fair Credit Reporting Act, consumer reporting agencies are prohibited from furnishing a consumer report except for purposes expressly authorized by law, and most importantly, only with the consumers consent where required. 

I hereby demand : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Removal of any inquiries, accounts, or information that were furnished or obtained without my authorization.

3. A reinvestigation into the matter in compliance with 15 U.S.C. 1681i, and written confirmation of the results of your investigation. 

If you are unable to provide verifiable proof of my signed written authorization granting such access, you must immediately delete the unauthorized items and ensure that no further release of my information occurs without proper consent. 

Please respond to this dispute within the 30-day period required by law. Failure to comply will constitute willful noncompliance with the Fair Credit Reporting Act, and I reserve the right to pursue further remedies as provided under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2026-01-27 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: DISCOVER BANK
State: MI

Complaint narrative:
I am submitting this complaint regarding Discovers handling of a student credit card account that was issued to me while I was a XXXX  in XXXX. 

The account was marketed and approved as a student credit card with a 0 % introductory APR and terms represented as appropriate for a XXXX  student with limited income and financial experience. The approval and product structure were clearly tied to my student status. 

After I graduated, the account was converted into a standard consumer credit card with a substantially higher APR. The interest rate increased into the 20 % range and later into the high 20 % range. This conversion materially altered the cost and risk of the account. I do not believe this change was clearly or meaningfully disclosed, nor was I provided adequate explanation, counseling, or reasonable alternatives to manage the transition. 

As a result of this conversion and the compounded interest that followed, balances increased rapidly despite continued payments. I ultimately closed the account to prevent further harm, yet I remain burdened by a balance that grew largely due to interest applied after the product was changed. 

I believe this practice raises concerns regarding : Adequacy of disclosure when converting student credit products Fairness of transitioning inexperienced borrowers into high-interest products Whether reasonable consumer protections were applied during the conversion Whether Discovers reporting properly reflects the accounts origination as a student product I am requesting : A formal review of the accounts origination and conversion process Consideration for hardship relief, interest adjustment, or account re-aging Correction of any inaccurate or unfair credit reporting related to this account I am not disputing responsibility ; I am requesting transparency, fairness, and remediation for a product transition that I believe was handled in a manner that disadvantaged a young, first-time borrower.

Company response to consumer: Closed with explanation