vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XX/XX/year> scammed by a group of men on the street in XXXX XXXX with card/device readers for {$1000.00}. Immediately reported it to Wells Fargo and they denied the claim, stating that I authorized the transactions. I did not authorize the transactions. I originally meant to donate {$50.00} to a man claiming that his sister had XXXX and the group of them took far more than that.

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 2026-02-21 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding misleading credit practices by a Synchrony Bank representative at XXXX XXXX XXXX, XXXX, CA. In XX/XX/XXXX, I was approached by the finance representative at the XXXX XXXX XXXX XXXX XXXX after my dental exam and while I was in pain due to a broken tooth. During this time, the finance representative offered me a Synchrony Bank line of credit to cover out-of-pocket dental services that my dental insurance would not cover. 

During this interaction, the representative provided information that was inaccurate and misleading, including : Misrepresentation of any promotional period and deferred interest terms. 

Misrepresentation of the monthly payment amounts, which were described as smaller than the actual obligations. 

Misrepresentation of the total balance owed which was described as smaller than the actual obligations. 

Relying on this information, I accepted the line of credit. Upon reviewing the actual documentation, I discovered significant discrepancies between what was represented by the representative and the actual terms of the credit. 

Following this, I took the following actions : XXXX XXXX XXXX XXXX for clarification ; they referred me to Synchrony Bank. 

Contacted Synchrony Bank customer service in XX/XX/XXXX after noticing an increase in my total balance owed on my online account. The original balance owed was {$2200.00}, and the new balance owed is {$3600.00}. I spoke with both XXXX XXXX and XXXX ( who refused to provide her last name ) on XX/XX/XXXX, and explained the issue. No satisfactory resolution was provided. 

Due to these misleading practices, I request that Synchrony Bank : Reverse or adjust any charges, interest, or fees incurred under the misleading terms, including the current balance of {$3600.00}. 

Thank you for your prompt attention to this serious matter. 

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 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I used the company to get a lease for a gun I did not know the laws in sc to well but was still able to buy the handgun even though when they asked for age I said I was XXXX I was able to buy it and ship it to a local gun dealer when it arrived I called and asked if I was able to pick it up because of my age since a co worker told me I was not able to. The firearm dealer told me that I would not be able to get the gun so I told them to return it they did but they loaning company told me that the merchant said they returned it the the label but they can not locate the gun it has been 2 years and they are still trying to charge/throw me in collections I tried to get with customer service and they keep telling me to pretty much do their job on getting hold of the merchant to find the gun and return it I am not able to do all that that what they have to do since the gun got lost through merchant and the company I have not touched or even seen the gun and still getting charged for it two years later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to Wells Fargo drive up ATM in XXXX PA to withdraw {$300.00} it kept the cash I went into the branch and was told I would have to file a claim and wait 10 days even though I was withdrawing the money from my banks ATM. Wells Fargo does not care about their customers or financial situations they only care about the money they possess.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Repeated telephone calls at late night and inconvenient hours Speaking in a yelling, hostile, and abusive manner Conduct intended to harass, oppress, or intimidate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There were three unauthorized charges on my account from XXXX car wash. Two of them were from XX/XX/year> for {$24.00} and {$19.00}, and one from XX/XX/year> for {$24.00}. I contacted them and they reversed the transactions from XX/XX/year>. Per XXXX car wash, they did not charge the transaction on XX/XX/year> for {$24.00}. I contacted the credit card customer service of Barclays at XXXX on XX/XX/year> to dispute a transaction of {$24.00} from XXXX car wash, which was not even charged by XXXX. 

Out of the three charges XXXX had refunded me two of them ( {$24.00} and {$19.00} charged on XX/XX/year> ). Barclays had initially credited me the third charge of {$24.00} ( charged on XX/XX/year> ) and they reversed it the next day. This was actually never charged by XXXX ( as per XXXX ). So I have never received that third charge of {$24.00} from XX/XX/year>. Now it has grown to a huge amount with late charges and finance charge and it has reflected on my credit score. I don't even know the actual amount now as I closed this account. 

Hope this help you understand the situation which was never understood by Barclays. If any questions, please don't hesitate to contact me. Hoping for a reasonable resolution. 
With regards,

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I used Chime Banking to have my paycheck direct deposited as a typical banking option. It was deposited on Wednesday night XX/XX/year>. By Thursday XX/XX/year> there had been XXXX transactions made, {$500.00} each, within a matter of XXXX minutes between that I did not personally do nor approve. The company that the transactions were made to deal with digital cryptocurrancy/bitcoin. I have never used this nor know hardly anything about it. I didn't even have a chance to pay my bills. At some point, money was taken to pay my late rent and car payments, but were denied due to insufficient funds. The funds were not returned to the Chime account. My entire paycheck has been whipped clean for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am filing this complaint regarding unauthorized debit card transactions that were not properly resolved by my bank. 

Beginning in XXXX, my debit card was charged multiple times in the amount of {$9.00} by a merchant identified as XXXX. I did not authorize, enroll in, or knowingly approve any subscription or recurring payment with this merchant. 

I reported these transactions to Chase Bank as fraud and requested reimbursement. Despite this, Chase declined to assist or provide reimbursement and did not provide adequate documentation explaining why the charges were considered authorized. 

Under the XXXX Funds Transfer Act ( XXXX ), consumers are protected from unauthorized electronic fund transfers when reported. I reported the issue promptly after discovering the recurring charges and expected a reasonable investigation, which does not appear to have occurred. 

I am requesting that Chase Bank : Reimburse all unauthorized XXXX charges Provide written documentation supporting their decision to deny my claim Confirm the merchant is blocked from future transactions Ensure compliance with federal consumer protection laws I am seeking CFPB assistance to ensure this matter is reviewed fairly and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: CA

Complaint narrative:
Repeated telephone calls at late night and inconvenient hours Speaking in a yelling, hostile, and abusive manner XXXX intended to harass, oppress, or intimidate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Repeated telephone calls at late night and inconvenient hours Speaking in a yelling, hostile, and abusive manner XXXX intended to harass, oppress, or intimidate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/year> : I purchased a {$500.00} XXXX e-gift card from XXXX using my Target XXXX. The e-gift card I received was defective and un-usable. 

XX/XX/year> : I reached out to Target customer service requesting either a replacement or refund for the defective e-gift card. They stated they will re-send the gift card to me via email in XXXX hours. Case XXXX XX/XX/year> : I reached out to Target customer service and told them I had not received a replacement e-gift card. They stated they will escalate the case to their specialist team and I will be contacted by that team in XXXX hours. Case XXXX XX/XX/year> : I reached out to Target customer service and told them I had not been contacted by their specialist team or received a replacement e-gift card. They stated that they will escalate the case to their research team and I will be contacted by that team within XXXX hours. Case XXXX XX/XX/year> : I reached out to Target customer service and told them I had not been contacted or received a replacement e-gift card. They say that I should receive a resolution in XXXX business days. Case XXXX XX/XX/year> : I had not yet been contacted by Target customer service or received a replacement e-gift card. I opened a billing dispute with Target XXXX. 

XX/XX/year> : My billing dispute was declined, stating that Target records indicate I was re-sent a new e-gift card on XX/XX/year>. 

XX/XX/year> : I re-opened the dispute. 

XX/XX/year> : As part of the dispute, I provided documentation of my conversations with Target customer service rebutting the claim that I was re-sent an e-gift card. I stated that I never received a replacement e-gift card and the issue was not resolved. 

XX/XX/year> : My billing dispute was declined, stating that Target records indicate I was re-sent a new e-gift card on XX/XX/year>. 

XX/XX/year> : As of this date I have not received a replacement e-gift card and this issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: HI

Complaint narrative:
I went on XXXXXXXX XXXX website to get more information and out of nowhere they started charging me for services I wasnt receiving. I called multiple times to tell them to cancel and refund, they said they would and they never did so I disputed with my bank. Now I am receiving debt collections from a random lawyer to pay {$600.00} that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I am filing this complaint because Comenity Capital Bank, operating through the Bread Financial app, utilizes a payment system that I believe is designed to prevent customers from making timely payments and avoid interest. 

The specific issue is with how they manage autopay on the XXXX XXXX XXXX credit card. Their mobile app and website do not allow a user to set up or schedule an autopay until a statement has officially closed and cleared. This creates a very small window of time each month where a customer is actually able to manage their payments. By the time the system unlocks the ability to pay, the deadline is so close that it is incredibly easy to miss it or for the payment to process late. 

I attempted to set up my payment ahead of time to be responsible, but the app physically barred me from doing so. Because of this technical restriction, I incurred interest charges on my balance. When I called their customer service department to explain that their own system prevented me from paying earlier and requested a one-time interest waiver, they flatly refused to help me. 

It feels like the bank is intentionally making it difficult to automate payments so they can collect more interest and fees. Most other credit card issuers allow you to set up autopay the moment you open the account. Restricting it to a tiny window after the statement clears is an unfair business practice. 

I would like the CFPB to look into this practice. I am requesting that Comenity Bank refund the interest charges that resulted from this systemic hurdle and fix their app so that customers can set up autopay at any time, not just when the bank decides to allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase before transferring XXXX Ultimate Rewards points from my Ink Business Preferred account to my Chase XXXX XXXXXXXX account. I specifically asked whether the transferred points would qualify for the Sapphire XXXX travel redemption boost. I was not warned that the enhanced value could be lost. 

I transferred the points in reliance on that guidance. 

When I did not get the boost, I asked whether the points could simply be moved back to my ink account. I was told that the reservation I used some points on would need to be canceled. I followed Chases instructions and canceled a fully refundable booking. 

After cancellation, the points were re-credited at the XXXX base rate and no longer eligible for the XXXX redemption boost and kept in my XXXX account. 

As a result, I lost XXXX points in redemption value ( approximately {$170.00} ) and hours of my time trying to reconcile this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called the company Best Buy about a month ago and requested to be told how much Ive paid compared to the original debt. They said they couldnt give me that information and I requested to settle the debt because Ive paid well over how much I owe. I was told they couldnt do that. I told them I was going to stop payment and it could go to collections. She said they would document that. Theyve since called me over XXXX from that month. XXXX within the last XXXX weeks. This week alone XXXX Ive been called XXXX a day except Tuesday and Wednesday. They also call every Sunday XXXX a day.

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 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: IL

Complaint narrative:
I submitted a dispute to XXXX XXXX regarding an account by Credit service XXXX ( account balance {$10000.00} ) that does not belong to me I never authorized, opened, or signed any agreement with this company or the original creditor. XXXX XXXX completed their investigation and marked the account as " Verified and Accurate '' without providing any supporting documentation, contracts, or wet signatures This constitutes a SHAM investigation and a failure to conduct a lawful investigation under XXXX US C XXXX ( a ) ( XXXX ) ( A ). XXXX XXXX response also admits that the furnisher " verified that this item belongs to you, '' which is false and unsupported by evidence I previously requested validation from the Original Creditor under XXXX USC XXXX ( b ), asking for the original wet signed contract, the name of the original creditor, and proof of authorization. They failed to provide it. Reporting this account without proper validation violates both the FRA and FDCPA This inaccurate reporting has caused credit denials, emotional distress, and damage to my reputation l am demanding the immediate deletion of this unverifiable and unauthorized account from my consumer report and a written confirmation of compliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX to get a XXXX XXXX I paid a deposit of XXXX, I showed the day of the XXXX i paid the balance of the all XXXX afterwards I didn't feel comfortable because I didn't get enough information about the procedure I canceled the XXXX I left they didn't want to give a refund, when I didn't get any XXXX, I disputed the transaction with synchrony bank it didn't go through because they have the document for the charge. I never signed any document that supports if I canceled i would get charged the all amount only the XXXX deposit.

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 2026-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Complaint Against : Selene XXXX XXXX Loan # XXXX Property : XXXX XXXX XXXX, XXXX, IL XXXX To the Consumer Financial Protection Bureau, I am filing this complaint regarding improper classification of my loan as being in default and the imposition of default interest following a documented good-faith wire payment. 

Timeline XXXX  2025 Monthly payment initiated via wire from XXXX XXXX XXXX XXXX cleared my bank account Wire sent to XXXX XXXX using routing number XXXX ( valid XXXX XXXX routing number ) Wire included correct loan account number Funds were not credited to the loan I immediately contacted the servicer ( Selene XXXX ) Provided wire confirmation and supporting documentation Cooperated fully in tracing efforts Despite the funds being transmitted and cleared, Selene has : Classified the loan as in default Imposed default interest Refused to waive penalties Demanded full reinstatement including default charges Indicated foreclosure proceedings may proceed There was no insufficient funds issue and no refusal to pay. 

The issue appears to be an internal routing discrepancy within XXXX XXXX banking system. The borrower should not be penalized for internal allocation errors at the receiving institution when the payment was properly initiated and documented. 

Requested Resolution Removal of default interest and penalties Acceptance of reinstatement at regular contract rate Correction of credit and default reporting Suspension of foreclosure activity pending resolution I am attaching wire confirmations, communication records, and documentation of good-faith payment attempts. 

I am requesting CFPB intervention due to the servicers refusal to acknowledge that this was not a willful default. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation