vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Truist Bank regarding an unreasonable and unannounced XXXX hold placed on a check deposit in my new small business account ( Account ending in XXXX ) on XX/XX/2026 for a recently opened bank account. Upon depositing a check of {$1900.00} from my personal account to my business account at Truist, I received an email notifying me that the deposit would not be available until XX/XX/2026. At no point was I advised before the deposit of this lengthy hold. The key issues are as follows : Inconsistent Authentication Requirements : The entirety of my relationship with Truist has been conducted digitally. The bank deemed my identity and business credentials sufficient to open the account online and accept my deposit digitally. However, now that I require access to my operating capital, Truist has moved the goalposts, claiming the " only '' way to resolve the hold is a physical branch visit. This is a predatory " bait-and-switch '' tactic where digital onboarding is offered for the bank 's convenience, but physical barriers are used to withhold customer funds. Lack of Prior Notice : At no point during the digital account opening or the deposit process was I informed that check deposits would be subject to a 10 day hold. I only received notice of the hold after the deposit was processed. Lack of Published Policy : I have reviewed Truists small business fee schedules and digital account agreements. There is no clearly published policy detailing a mandatory 10 day hold for new accounts. Unreasonable Duration : Under Regulation CC, while banks may extend holds for new accounts, they must be " reasonable. '' A 10 day hold is excessive and constitutes a significant financial hardship. Refusal to Remediate : I am currently unable to visit a physical branch. Given that Truist verified my identity digitally to open the account, there is no legitimate security reason why they can not verify the deposit through the same digital or telephonic channels. Desired Resolution : I request that Truist Bank immediately release the hold on my funds. Since the account was opened and funded through digital channels, I request that any further verification be handled through those same digital/remote means. I also request a copy of the specific policy authorizing a 10-day hold, as this was not disclosed during the online application process.

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 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I participated in a XXXX free trial and returned the device within 8 days. I reasonably believed returning the device ended the trial. I was not clearly informed that a separate cancellation of the phone line/service was required. The account was later sent to collections, and I dispute the validity and fairness of this debt and its reporting on my credit file. I have attempted multiple times to resolve this issue directly with both XXXX and Southwest Credit Systems XXXX Before this was even placed onto my credit. They kept sending me letters saying I owed them and that the items were not returned and I called them saying that I did and they kept telling me to ignore the letters. XXXX advised me to contact Southwest Credit Systems because the account was in collections, while Southwest Credit Systems advised me to resolve the matter with T-Mobile. I have been repeatedly redirected between both companies without a clear resolution or proper investigation of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a deferred interest promotional financing account serviced by Comenity Bank with XXXX XXXX. I recently discovered that approximately XXXX XXXXXXXX in retroactive deferred interest was added to my account after the promotional period expired, causing my balance to increase from roughly {$2700.00} to over {$7000.00} within a single billing cycle. I acknowledge that deferred interest terms may have applied ; however, I genuinely misunderstood how the promotion worked and believed standard interest would apply only to the remaining balance after expiration. Had I understood that retroactive interest on the full original balance would be charged, I had sufficient funds available and would have immediately paid the remaining balance before the expiration date. As soon as I became aware of the charge, I contacted Comenity Bank and offered to immediately pay the remaining promotional balance if they would work with me on reducing or reversing the deferred interest charges. I attempted to resolve this in good faith, but no meaningful accommodation or compromise was offered. I am requesting that Comenity review this matter for a goodwill adjustment, partial reversal, or other reasonable resolution considering : the substantial and sudden increase in balance, the fact that the charge posted very recently, my willingness and ability to pay the remaining balance, and my attempt to resolve the matter directly before filing this complaint. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
b"I consolidated my various checking and savings accounts into Marcus by Goldman Sachs high yield savings account (HYSA), deposited my consolidated fund in XXXX XXXX. I also have a separate CD with them. Two months later, I decided to move the money in my SAVINGS account (not CD) into our family XXXX XXXX XXXX.\n\XXXX: That transaction is processed and money moved into the XXXX: Marcus pulled/reversed the money back from our XXXX and deposit back into the Marcus SAVINGS\n\nI called and they told me it was due to quick money movement, locked my account access, etc. They wanted to do a three parties money verification w/ my previous bank to make sure I am the owner, did that. After verification/validation however, Marcus told me that in order for me to transfer my money in my Marcus SAVINGS account (not CD) into my XXXX, I have to move the money back to the originating banks (multiple accounts), then after that, move those funds from there into my XXXX. They told me I CAN NOT move my money in their SAVINGS account directly into the XXXX. They told me it was because I am expected to keep my money in their SAVINGS account for longer...??!! This is not a CD, this is just a SAVINGS account. When I ask for the Marcus' policy or how long do I need to keep my money in my Marcus SAVINGS account before I can move them out, the representative told me she doesn't have the information; they can't tell me or show me any policy or term for it. I can't move some of my money back as well because I have since closed some of those old accounts and I also have some new money via direct deposit into this Marcus SAVINGS account...\n\nThis is such a shady practice as a bank!\n\nUpon doing some research online/XXXX, I realized that Marcus is doing this with their other customers (there were similar situations dated 2 years ago, 7 months ago, 3 months ago, etc). Many of these customers have had their money in Marcus SAVINGS account for years, still not able to access or move their funds into other accounts. Same excuse and many seem to have to close their account to get a check or their money back"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing this complaint against Synchrony Bank / CareCredit regarding the sudden, unexplained closure of my account and Synchrony 's failure to provide required notice. FACTS : I have held a CareCredit card issued by Synchrony Bank for approximately 10 years. During that time, I have never missed a payment, never been late, and have been an ideal customer in every respect. This account is one of my longest-standing open credit accounts. After carrying a balance for years and diligently paying it down, my account reached a {$0.00} balance within the past year. On or around XX/XX/year>, Synchrony closed my account without any prior notice - no letter, no email, no phone call of any kind. I only discovered the closure when I received a credit score alert notifying me that my score had dropped XXXX points as a direct result of the account closure. I contacted Synchrony on XX/XX/year> to understand why my account was closed and to request reinstatement. The customer service representative I spoke with was entirely unhelpful, apathetic & offered no explanation for the closure, and stated there was nothing that could be done. VIOLATION : Under the Equal Credit Opportunity Act ( ECOA ) and its implementing regulation, Regulation B, creditors are required to provide consumers with an adverse action notice when closing or restricting a credit account. This notice must include the specific reasons for the adverse action. Synchrony provided no such notice - a clear violation of federal law. If they say they did this- they are lying. I have no missed calls, no emails- yes, I check my spam, and no letters in the mail. DEMANDS : 1. Immediate reinstatement of my CareCredit account with the same terms and credit limit previously in place. 2. Removal of any negative credit reporting resulting from this closure. 3. A written explanation of the specific reason ( s ) my account was closed. I have been a loyal, on-time customer for 10 years. This closure was made without notice, without cause communicated to me, and in apparent violation of federal law. I am requesting the CFPB investigate this matter and compel Synchrony to remediate the harm caused.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a bank account with Truist Bank on XX/XX/year>. On the same day, I deposited a legitimate cashiers check that represented funds from my closed XXXX account. The bank placed a hold on the deposit until XX/XX/year>. After the funds cleared, I was informed that my account had been closed due to alleged fraud activity, but no one has clearly explained what fraudulent activity supposedly occurred. I have not knowingly violated any banking rules or policies, and the deposited check was legitimate. At this point, my funds are being withheld while the bank says an investigation is ongoing. I am extremely concerned because I rely on these funds to pay important bills, and I have been given inconsistent information about when or how I will receive my money. I am requesting that Truist : * Provide a clear written explanation for the account closure and alleged fraud concerns; * Confirm whether the deposited cashiers check has fully cleared and collected ; * Release my funds immediately if there is no verified fraud involving the check itself ; * Provide a specific timeline for when I will receive my money if the investigation is still ongoing. I would also like the bank to communicate transparently regarding the status of my funds and investigation, as I have struggled to get clear answers through customer service and branch representatives. Thank you.

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 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I closed a refinance on my property located in Colorado on XX/XX/year>. Per the terms of my mortgage agreement and company policy, my previous servicer, Onity Mortgage ( formerly PHH Mortgage/Ocwen ) , was required to refund my remaining escrow balance of {$3700.00} within 20 business days of the closing. It has now been seven weeks ( approximately 49 days ), and I have not received my funds. I have made multiple attempts to resolve this via telephone with the following results : XXXX. Conflicting Information : During a call on XX/XX/year>, I was given contradictory information by multiple agents. One agent claimed a check was issued XX/XX/year>, but was " incorrect, ''. I specifically asked if the amount was incorrect and was told no. He then claimed a second check was sent XX/XX/year>. A subsequent " Escrow Escalation Specialist '' contradicted this, stating there was a discrepancy in the amount of the first check, yet could not explain why it was never received. 2. Failure to Track : The company offered a " check number '' but admitted they have no tracking information and can not confirm if the check was ever actually mailed or delivered. 3. Refusal to Remediate : Despite being well outside their 20-day legal window, the company refused to overnight a replacement check or provide a definitive resolution, instead asking for further " waiting periods '' ( until Wednesday, XX/XX/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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, an application for the CareCredit Card was completed and approved ; however, I requested the Rewards MasterCard Card from CareCredit because they offer XXXX card types. I reached out to the agent and was informed that the decision was made based on the consumer 's credit score. I then asked what the score needed to be, and was informed it would have to be over XXXX. Then I explained that my score was over XXXX and that I had a great payment history. In addition, I had the CareCredit card in previous years and made payments on time ; however, the company closed the account due to inactivity just before I was about to use it, which required me to reapply. When I had the card previously, I requested the Rewards MasterCard and was told that only select consumers were eligible for it ; nothing was mentioned about credit score. I truly believe the company is being selective with certain consumers regardless of the credit score. My score has been over XXXX for several years, along with my salary, and I have been approved for various other cards, so why not this Rewards MasterCard?

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated an XXXX XXXX XXXX XXXX from XXXX into my SoFi Invest account. The transfer completed on XX/XX/XXXX. On XX/XX/XXXX, I sold the transferred securities. The proceeds settled in my account as cash. When I attempted to withdraw the proceeds to my linked bank account, SoFi informed me that the funds are subject to a XXXX hold before they can be withdrawn. SoFi 's publicly available support documentation states that proceeds from a stock sale settle in one business day and that deposits are subject to a 5-business-day hold. The 60-day restriction on funds originating from an XXXX XXXX is not clearly disclosed in the account agreement or support materials I was provided when opening the account or initiating the transfer. I am requesting that SoFi either release my funds for withdrawal or provide the specific written policy, agreed to at account opening, that authorizes a 60-day hold on proceeds from the sale of XXXX-transferred securities. These are my own funds from the sale of my own securities, and I have not been given a clear, documented basis for the restriction. I have contacted SoFi customer support by phone. The hold has not been lifted. I am asking for the funds to be made available for withdrawal to my linked bank account, or in the alternative, for SoFi to permit an outgoing XXXX transfer of the cash balance to another brokerage without the standard outgoing transfer fee, given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
With Huntington Banks, we have a line of credit on our home. If the line of credit balance got down under {$10.00}, they would not do an automatic payment like I had set up. Each month they would send me emails about this line of credit telling me I could go to the app to see how its doing or I could log into a statement which the link never worked. The problem happened when the logarithm that they use will not take out automatic payment when its under {$10.00}. This had not been communicated to me on the app or in the emails. It was this lack communication and problem with the logarithm that resulted in a late payment or delinquent account even though I had it set up to be paid automatically. I did talk to someone from the bank in late XXXX. I thought we had worked out the late payment on the remaining balance of ninety-eight cents. The employee called it a glitch in their system. I want the delinquent payment taken off my credit. It stopped my score by almost XXXX points.

Company response to consumer: Closed with non-monetary relief