vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am submitting this complaint regarding a personal loan issued to me by OneMain Financial during or shortly after the XXXX period. 

At the time the loan was originated, I was experiencing significant financial hardship related to XXXX. Despite this, OneMain Financial approved and encouraged a high-interest loan that I now believe was clearly unaffordable based on my income and expenses at the time. The loan structure placed me in a worse financial position rather than helping stabilize my situation. 

I do not believe OneMain adequately considered my ability to repay the loan without substantial hardship. The terms, including the interest rate and long-term cost of the loan, were not meaningfully explained in a way that allowed me to fully understand the financial consequences. I felt pressured to accept the loan as my best or only option during a vulnerable period. 

Since origination, this loan has caused ongoing financial strain. I feel that OneMain Financial took advantage of my situation by extending credit that was not reasonably sustainable, particularly given the economic conditions surrounding XXXX and my financial profile at the time. 

I am requesting that OneMain Financial : Review this loan for unfair, deceptive, or abusive lending practices Provide a full accounting of the loan, including all disclosures and any add-on products Consider interest reduction, balance adjustment, or other remediation Correct or reevaluate any related credit reporting I am seeking relief and a fair resolution. I appreciate the assistance of the CFPB / XXXX in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am disputing an alleged debt that is the result of identity theft. I did not open, authorize, or benefit from this account. 

I submitted a written dispute and identity theft notice to Midland Credit Management through its Consumer Resolution Center and uploaded my FTC Identity Theft Report ( FTC Report No. XXXX ). 

Despite receiving notice that this account is identity theft, Midland Credit Management has contacted me regarding this alleged debt.

I am requesting that Midland Credit Management cease all collection activity, provide written confirmation that the account is closed, and confirm that the account will not be reported to any consumer reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am filing this complaint against NATIONSTAR/MR COOPERfor reporting multiple late payments on my credit file for Account XXXX. XXXX for the months of XX/XX/XXXX and XX/XX/XXXX without providing proper verification or a clear explanation of how these delinquencies were calculated in relation to the account balance and status at the time. Despite my request for confirmation, NATIONSTAR/MR COOPER has failed to demonstrate that the reported late payments are accurate, complete, and supported by their internal payment records, as required under the Fair Credit Reporting Act. Reporting unverified or inaccurately calculated late payments constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy and is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Employee left an unprofessional voicemail stating You do what you got ta do, girlfriend, and you make it happen, captain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I discovered in XXXX  that an Affirm installment loan was reported on my credit file that I did not open or authorize. The loan was opened without my knowledge or consent and is the result of identity theft. 

After discovering the account, I submitted an FTC Identity Theft Report and contacted Affirm to report the fraud. I am requesting that the fraudulent loan be removed from my credit report and that Affirm cease reporting this account as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing this formal complaint against Synchrony Bank due to an extreme and unwarranted " adverse action '' that threatens my current mortgage application. 

Without any prior notice or a stated reason, Synchrony Bank abruptly closed all of my credit accounts [ EBAY, Carecredit, TJ Max, Harbor Freight, Amazon, Lowe 's, PayPal ]. I have a 100 % on-time payment history with this institution and have never violated any terms of service. 

This action has caused me immediate financial harm : It has drastically increased my credit utilization ratio by removing a significant portion of my available credit. 

It has eliminated a long-standing account ( held for over 6 years ), severely lowering my average age of accounts. ( care credit ) Most critically, these changes have caused my credit score to drop while I am currently in the mortgage process, jeopardizing my ability to secure a home loan and potentially resulting in thousands of dollars in damages due to higher interest rates or loan denial. 

I am seeking the immediate reinstatement of these accounts and an update to the credit bureaus to reflect that these accounts remain open and in good standing.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I signed up for a Citizens bank account on XX/XX/year>. I made an initial deposit, my account was open and active with online access, they sent me a debit card. 

I then deposited a check from XXXX XXXX through mobile deposit roughly 10 days later, and woke up to my online access being restricted the next day. No phone calls, texts, email, app notifications about any issues. 

As you kmow these days, Customer service is essentially non existent, even for FDIC banks. I have called and tried to speak with everyone in every department to assertain any information about the issue. They always want to verify you with a code to your phone, but since the account is locked their system won't send. 

Long story short I've talk to reps from Customer Service, mobile banking, I even tried calling fraud. I've escalated to supervisors. No information, no reasons why, I can't get any answers. 

The only thing I've been able to claw out of them is the deposit is on hold for " a while ''. AGAIN, as I've said XXXX times to these XXXX, I don't care about the timeframe. I deposited {$25.00} just to open the account. I can't access that, I can't access my account or information through the app, the website, nothing. They won't even give me steps to resolve the issue. 

The mobile check deposit was from XXXX XXXX via their XXXX XXXX XXXX account. I asked why I can't access the {$25.00} at least in the account, as in, keep aceess to the account open just don't deposit the {$9300.00} until it's verified. They talk in circles, it makes no sense that I was fully verified, now my account is locked and somehow a check clearing will not reverifiy me? ( they haven't said that but that's the logic ). 

If the check was an issue don't give me any of it until it clears, I don't care, but freezing me out of my own checking and initial deposit without giving me any options is crazy. The XXXX first line is foreigners per standard XXXX greed. I did get an American Supervisor once on the phone and also in the fraud department that I called, and still no asnwers on how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Today I was charged {$99.00} without my consent by the company : active network LLC.. I never authorized this membership and want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: FIRST MERCHANTS CORPORATION
State: AZ

Complaint narrative:
First Merchants Bank assigned negative balances to two accounts totaling more than {$3000.00}, even though only my checking account was overdrawn. 

I called XX/XX/year> and was informed of there being two negative accounts. I asked to repay one but was left with no way of doing so after the conversation. 

My checking account became negative when the bank continued processing auto-pay transactions for over 30 days after the account was already overdrawn. Instead of stopping the transactions or notifying me properly, they allowed repeated payments to go through and charged hundreds of overdraft fees. I received no meaningful notice only missed calls with no voicemail, and no emails or written alerts. 

The majority of the negative balance is caused by excessive and unfair overdraft fees. First Merchants failed to stop transactions and failed to notify me effectively. One of the accounts has been sent to collections even though the debts appear to be inaccurate and inflated by improper fees. 

This overdraft pattern occurred for months. The bank repeatedly allowed transactions to go through when the account was already negative, causing an ongoing cycle of fees instead of stopping payment activity. This behavior is unfair, abusive, and not consistent with standard bank practices. 

I am requesting : 1. A full investigation 2. Reversal of improper or excessive overdraft fees 3. Removal of any invalid debt sent to collections 4. Written explanation of how these negative balances were calculated This situation falls under unfair or deceptive acts and practices. I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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've used Care Credit in the past. It was always interest free for XXXX year and then a higher interest rate thereafter. In XXXX of XXXX, I was at the dentist and because I hadn't used it for so long, I had to reinstate my card. I didn't have any debit, so I thought it was a good way to maintain my credit. I'm not sure if my dentist had me sign something. Either way, I would NEVER have signed up for this type of payment plan since I could have paid it off immediately. 
I set my account up for automatic debit for {$250.00} a month on paperless and forgot all about it. I had NO idea the promotional program that I was signed up for. On XX/XX/XXXX, I was charged {$1900.00} for interest. I didn't realize it until XXXX. I called the bank several times and each time they told me that if I would have caught it within XXXX days, they could help me. I asked them to work with me on a payment resolution and they refused. I was afraid of what they might do next, so I paid the balance off ( so I thought ) in full on XX/XX/XXXX. I got another bill on XX/XX/XXXX for {$68.00} for interest. I spent an hour and XXXX supervisors on the phone to tell me they can't help me. My dentist tried to call. I should have been alerted to the ending of the " promotional '' program. I was on a paperless bill and paid every month.

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 2026-01-06 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau because Robinhood XXXX XXXX has failed to assist me with my fraud dispute. If Robinhood does not resolve this matter, I will no longer do business with them and will close my account as a cardholder. 
I lost my card on XX/XX/XXXX at a convenience store/gas station. After the card was lost and no longer in my possession, it was fraudulently used at XXXX for a charge of {$4700.00} on Saturday, XX/XX/year>. I did not receive any fraud alert or notification regarding this high-dollar transaction. 

This transaction was uncharacteristic and unusual compared to my normal spending habits, as I have never previously used my card with the XXXX merchant. Despite this, Robinhood failed to alert me about this suspicious transaction. 

Once I became aware of the issue, I promptly reported the card as lost and reported the transaction as fraudulent. The charge is clearly fraud because the card was not in my possession at the time of the purchase. Robinhood failed to provide fraud alert protection or any notification by email, text, or app. Had I received an alert, I could have acted immediately to prevent the transaction. 

The transaction was processed without my knowledge, and I am requesting that Robinhood reverse the fraudulent charge and credit my account for the full amount of {$4700.00} charged at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I am filing this complaint regarding debit card transactions processed through my bank for a company that engaged in deceptive and misleading practices. 

Between approximately XX/XX/XXXX- XX/XX/XXXX, my debit card was charged over {$6000.00} by an online sweepstakes platform operating as XXXX. While I entered my card information, these transactions were not meaningfully authorized because they were induced through misleading representations about how the service functioned and how funds could be withdrawn. 

The platform represented that deposited funds could be fairly used and withdrawn. I was able to withdraw approximately {$2000.00}, however the company aggressively encouraged redepositing those funds. Immediately after redepositing, the funds were rapidly lost without a fair or reasonable opportunity to withdraw or use them under transparent conditions. 

I contacted the company to request clarification regarding the charges, withdrawals, and terms governing redeposited funds. The company did not provide clear or sufficient information to address these concerns. 

The terms governing odds, withdrawals, and redeposited funds were not clearly disclosed at the time the charges were authorized. As a result, the services provided were not as represented, and I believe these debit card charges reflect deceptive and unfair practices by the merchant. 

I am requesting review of these transactions, assistance with disputes or chargebacks where eligible, and assurance that my bank properly evaluates and protects consumers from deceptive payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Santander US froze my account on XX/XX/XXXX after I over paid my landlord and he refunded me a {$2000.00} check i deposited XX/XX/XXXX. I verified the transaction in person at a branch out side XXXX on XX/XX/XXXX and provided my lease/tenant agreement and authenticated everything in person as they requested I drove from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Santander stated my account was frozen due to the check from my landlord that i deposited on the XXXX of XXXX via online banking. Santander has held my funds for over XXXX months pending a Hold Harmless Letter which the landlords bank ( XXXX XXXX  ) dose not issue as the check cleared in to my account on the XXXX of XXXX XXXX did not refuse the check or send it back to XXXXXXXX XXXX and the funds are not fraud So XXXX XXXX  legally Dose not have to provide a HHL Claim. Santander has stated multiple times they are waiting on XXXX XXXX  to get back in contact with them but I was in XXXX XXXX  branch today located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ] XX/XX/XXXX with my Landlord XXXX XXXX and his Financial Advisers have no records no emails letters or phone calls from Santander US leading me to belive my Financial Institution who i chose to be a Customer with has Lied to me. I have requested account closure due to the stress and financial hardship it has put me through the past few weeks there is {$2500.00} in my account they will not release and have been repeatedly told to " call back in XXXX business days '' with no resolution. My Name is XXXX XXXX My Account number is ( XXXX ) My Routing Number Is ( 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 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The company Midland Credit Management Legal collections department sent me a letter XX/XX/year> demanding {$2900.00} payment from me. The company stated if payment wasn't made they would sue me, garnish my wages and seek a judgement against me. I sent a letter requesting the company to validate the debt that i enter into a contract with them for the account and debt they alleged i owed to them. The company sent me a copy of a statement from another creditor. I have never had an agreement or an account/credit line or entered into contract of any such matter with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting this complaint to request verification and confirmation of a reported late-payment entry being furnished by Ally Financial for my account numbered XXXX. Ally Financial is reporting a late payment for XX/XX/year>, and I am requesting confirmation that this reported delinquency accurately aligns with Ally Financials internal payment records. Specifically, I am seeking clarification regarding how the late-payment status was calculated and whether it corresponds correctly with the account balance, payment activity, and account status at that time. This request is made due to concerns that the reported information may not accurately reflect the accounts actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to do a balance transfer from my Chase freedom credit card to pay my balance on my XXXX Credit Card. I initially called Chase to get a personal check so that I could get the funds and send it to XXXX PO Box . I was told by the representative that all they needed was my card number from my XXXX XXXX to do the balance transfer. I did the the balance transfer over the phone with my card information, and waited the XXXX business days. After the XXXX day I called XXXX to see if my payment was received and was informed that they dont approve of balance transfers. I then called Chase to try and stop the payment and was informed that I couldnt stop the process. The check ended up getting sent to another bank in Delaware called XXXX  bank. Where they sent the check back to the the third party processor that Chase used and the check was cashed. I have been given the run around and no answers from Chase from XXXX until XXXX. They have made no attempts to contact the branch or bank that the check was cashed to seize the funds or request the payment back. One supervisor told me there is nothing they can do that I would just have to pay them the money. They refuse to give me a direct number to any hire ups its just been a back and forth with no answers to where the check is. They have even said I have to try and locate the check myself to try and request a refund back from where the check was cashed. Just very unprofessional and very suspicious for a company like Chase to handle protocol this way. I was even told by one supervisor that the money would be returned after XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am filing this complaint against NATIONSTAR/MR COOPER for reporting an alleged late payment for the XX/XX/XXXX & XX/XX/XXXX billing period on Account No. XXXX without providing proper verification or a clear explanation of how the delinquency was calculated. Despite my formal request for confirmation, NATIONSTAR/MR COOPER has failed to demonstrate that the reported late payment accurately reflects its internal payment records, account balance, or payment due date at the time. Reporting a delinquency without substantiating documentation violates the Fair Credit Reporting Act, including the duty to ensure maximum possible accuracy and to reasonably investigate disputed information before furnishing it to consumer reporting agencies.

Company response to consumer: Closed with explanation