vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have around XXXX  years with a problem about funds there on this company without any valid or legal reason. 
XXXX  years waiting for the respective chec to be mailed at my address on file and the company/bank just have negative responses and refuse anything, I go to XXXX offices for solution of this situation and the bankers said is no information about my account or just said call to support, so is clearly the negative responses and evidence that bank just want to stole my funds, on responses received on complaints the bank said on XXXX XXXX XXXX ( years ago ) is sended the check of but they dont offer any proof of that because is not avaliable any tracking number or any other evidence of that, already request the cancellation of this supposed check and a reissue a new check because obviously the time passed is more of the validity of a check and they refuse to make that with an ironic argument that the supposed check is still valid so is a shame because is XXXX  years passed and they know that, so if they know is the chec is not cashed, and not have any other proof of this supposed check and every time is negative responses or wrong responses on phone support, offices branch and complaints, how to name this situation from this bank?, looks fishy, XXXX  years with my funds on their bank earning interest without paid me anything or communicate anything, so definitely is a shame, is loosk like a great history for publicity on local news, anyway I just need cooperation because Im tired of this.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I have an old cash app account that I no longer have access to, I also have a new Cash app account I have provided all the information that was needed to access the account and they continue to give me the same answer that they can not transfer my money from my old account to my new account, so basically they are telling me that I can not get my money that I worked for, they can't even provide customer service with someone that actually speaks fluent English to understand them, if customer support can't help me then what are they there for?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have many fraudulent transaction XXXX  while I was in XXXX with the XXXX and my banque refuse to reinsures me my money cause the said it was authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a deferred-interest dental financing account through Comenity Bank XXXX XXXX XXXX XXXX XXXX 

I opened this account for dental treatment under a promotional 0 % interest if paid within 18 months plan. Throughout the entire promotional period, all required monthly payments were made on time and the account remained in good standing. 

At the end of the promotional period, we unfortunately missed the payoff deadline by approximately XXXX weeks. We misunderstood the exact expiration timing and believed we still had additional time remaining. As a result, the lender added approximately {$800.00} in retroactive interest, even though the remaining principal balance was only about {$600.00}. 

As soon as we discovered this, we contacted ComenityXXXX XXXX XXXX to try to resolve the issue and requested a goodwill adjustment. We explained that : The payment history is perfect The account was never delinquent The missed promotional payoff deadline was only about XXXX weeks We are prepared to pay the remaining principal balance immediately Despite this, we were told the full retroactive interest would remain and no accommodation was offered. 

We believe this outcome is excessive and punitive given the strong payment history and the very short delay beyond the promotional deadline. We are requesting a goodwill adjustment to remove or substantially reduce the retroactive interest charges so that I may pay off the remaining principal balance in full. 

We are not disputing the original debt. We are requesting a reasonable courtesy adjustment based on good faith payment behavior and prompt effort to resolve the issue once discovered. 

Thank you for your review and assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: MI

Complaint narrative:
I am filing a complaint regarding Synchrony Bank ( CareCredit/consumer financing ) and a loan I obtained to pay for XXXX orthodontic aligners for {$3500.00}. 

In XXXX I financed XXXX aligners through Synchrony Bank. In XX/XX/XXXX XXXX issued a safety recall instructing customers to stop using the aligners immediately due to potential harm. I complied with this recall and discontinued use as directed. 

Because the product was recalled for safety reasons and could not be used as intended, I requested a refund and relief from the loan obligation. XXXX failed to provide a refund, and Synchrony Bank has continued to hold me responsible for the debt despite the fact that the product was unusable through no fault of my own. 

I filed a dispute and appeal with Synchrony Bank, providing documentation of the recall and the fact that services were not rendered. My appeal was denied, and I was not given a meaningful explanation as to why I am still being required to pay for a recalled medical device that I was instructed to stop using. 

This situation is unfair and deceptive. I am being required to pay for a product that : -Was recalled for safety reasons -Could not be completed or used -Provided no benefit due to the recall -Was financed through Synchrony Bank, which continues to enforce the debt I believe Synchrony Bank has failed to properly investigate my dispute and has placed an unreasonable financial burden on me for a recalled medical product. I am requesting the CFPBs assistance in resolving this matter.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I used my Visa debit card issued through Chime to purchase merchandise from XXXX XXXX in the amounts of {$390.00} and {$89.00} ( total {$480.00} ). The merchandise was delivered on XX/XX/XXXX. 

Upon receipt, the goods were materially not as described or represented. The items exhibited poor quality and incorrect branding inconsistent with the merchants advertised products. One shirt contained a clear printing error showing the logo as B BFIRST APPAREL ( double B ), and both shirts had logo placement unusually low near the abdomen rather than across the chest, rendering them unsuitable for their intended promotional purpose. Photographic evidence was provided during the dispute. 

I promptly filed a dispute with Chime for Goods/Services Not As Described. I fully cooperated with the investigation, provided documentation, and answered all follow-up questions within the time allowed. Chime later requested additional information but limited uploads to a small number of files and did not provide a meaningful opportunity to supplement the record. 

On or about XX/XX/XXXX, Chime issued a final determination stating that no error occurred and denied provisional or final credit. The determination did not explain how the goods met the description, did not address the documented printing defect, and did not reference the applicable Visa debit or Regulation E standards used to reach the decision. 

I attempted to request clarification and the evidence relied upon in the decision, but Chimes response came from a non-monitored no-reply email address, preventing any meaningful appeal or follow-up. As a result, I was effectively denied the ability to contest the determination or submit additional information. 

At the time of the dispute, the merchandise remained in my possession and available for return if the merchant provided a prepaid return label and written instructions. Since then, I have relocated and no longer have possession of the items. 

I am filing this complaint because Chime failed to conduct a reasonable investigation, failed to provide a transparent explanation of its findings, and failed to offer a meaningful channel for appeal, as required under Regulation E and applicable Visa debit dispute rules. I am requesting a full review of Chimes dispute handling, documentation standards, and consumer communication practices in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: TX

Complaint narrative:
They told me I could look it up online and refuse to give me the phone number to the company they were claiming to represent which was XXXX  and associates I asked for the address they refused to give me that information as a matter of fact they hung up on me and I have received several phone calls from this phone number claiming to be XXXX and associates debt collection who has legal paperwork for me according to their voicemails. But when asked what the address and phone number of the company they're claiming to be from is they told me I could look it up on the internet and into the phone call without telling me.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App offered no services for in person communication when I had issues with the app and transferring funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I haven't gotten anything in the mail but I got a voicemail yesterday saying they're calling from XXXX XXXX and that there is a noncompliance notice being filed against me (? ). The name and reference number they stated was automated while everything else was an actual person. 

The voicemail states " This is XXXX XXXX with document services. This call is intended for ( name ) for reference number ( number ). This is a formal notice regarding the noncompliance notice that is being filed against you. If you have not received the notice properly by mail, please call the litigation office immediately to request a copy to be sent out certified. Please note this complaint can proceed legally without your consent within XXXX or XXXX business days. Please feel to contact the office with any further questions at ( different number from who left me the voicemail ). Please consider yourself notified. '' I called the number and spoke to a guy who told me that this is from a payday loan that I took out in XXXX and he told me I am being served on Monday. He told me that I needed to make a decision as to how I want to handle this ( I was told to call him back within the hour today or within a XXXX window tomorrow morning ). He gave me his name and direct line, but did not tell me what " law firm '' he works for. 

According to my records, this was paid in XXXX. I have checked my credit report and there is no mention of this account and there is nothing showing up when I search the municipal court website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I have a hard inquiry on my credit report from Rocket Mortgage. I called to file a dispute. After the dispute a representative told me that an investigation was done and that it was found to be true that I requested for a refinance. I requested to receive a report and was told I would not be able to receive a report. I didn't request for a refinance option on my home and that is the reason for my request for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX for inaccurate charges, returned payment claims, and aggressive collection actions. 



On multiple occasions, I attempted to make payments through the XXXX XXXX mobile app. Each payment showed as payment pending, and the funds were withdrawn from my bank account/card. Despite the funds being taken, XXXX XXXX later claimed the payments were returned and charged late fees and additional penalties. I was never clearly notified why the payments were considered returned, even though the money had already been taken from my account. 



Because of this, XXXX XXXX added late fees and interest, causing the balance to increase significantly. I am now being told I owe approximately {$700.00}, which I dispute, as this balance includes fees and charges related to payments I attempted to make in good faith and that were withdrawn from my account. 



I also recently received paperwork delivered by the sheriff stating that XXXX XXXX is attempting to sue me, despite my efforts to resolve the balance and make payments through their app. This was alarming and stressful, especially given that the balance increase appears to be caused by XXXX XXXX payment processing issues rather than nonpayment on my part. 



I am requesting that XXXX XXXX investigate the payment processing errors, remove all incorrect late fees and charges, correct the balance to reflect the payments I attempted to make, and halt collection or legal actions related to these disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
I am submitting a formal complaint regarding Integra Credit ( loan serviced by XXXX XXXX, XXXX ). I revoked ACH authorization, and since then I have attempted to obtain clear, consistent information regarding my loan balance, interest charges, and account status. 
I have received multiple emails from different representatives ( XXXX, XXXX, XXXX, and others ), but no one has addressed my dispute clearly. Instead, I am repeatedly being sent refinance marketing emails while my account concerns remain unresolved. 
The loan carried an APR over XXXX  %, and I have already paid more in interest than principal. My records show : Principal borrowed : {$700.00} on XX/XX/year>. 
Total interest paid so far : over {$700.00} Payments made : over {$900.00} I am requesting : A full payment history and accounting of how interest was calculated Verification of the current balance Investigation of continued marketing emails during an active dispute Written clarification of my rights and the legal basis for the interest charged I am asking for this matter to be reviewed for fairness and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unvalidated collection account being reported on my credit report. ( Original Creditor : XXXX ) - Account # -- -- XXXX * * A collection account is reporting with an original creditor listed as XXXX, showing a balance of {$100.00}, a date opened of XX/XX/XXXX, and a date reported of XX/XX/XXXX. This account is reported as derogatory and in collection status. I do not recognize this debt and did not authorize or incur it. 

Over the past XXXX months, I have repeatedly requested debt validation from the company reporting this account. No validation or documentation has been provided to substantiate that I am legally responsible for this debt. 

In addition, I have disputed this account XXXX separate times with the credit reporting agencies, clearly stating that the information is inaccurate and unverified. Despite these disputes and the lack of validation, the account continues to be reported and has been marked as verified. 

I do not know the identity of the collection agency reporting this account, and I have not been provided with any contract, billing statement, or evidence linking me to this alleged obligation. The continued reporting of this account without validation indicates a failure to conduct a reasonable investigation and a failure to ensure accuracy. 

This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that this account be deleted immediately unless the company can provide proper validation proving that I am legally responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
After I made the down payment for the vehicle and made the first payment. The car was not sold as advertised, and the front left tire exploded and sent me carrying into a ditch which injured me personally. And put {$6200.00} of damage to the car. Even though I had full coverage, the insurance company refused to pay, and I am engaged and arbitration through the state with the insurance company. I called credit acceptance and explained to them the issue and how I was not able to make payments right away because of the damage to the car. There will be a recording of a customer service representative telling me that I had until XX/XX/XXXX to come up to date with the car. XXXX days after I got the car out of the shop. They repossessed the car with no indication at all that they were going to do so. I called them and told them the situation and they continue to just read the same script. They refused to acknowledge the fact that I was given information. I asked several times for them to find the recording of the conversation that I had with the customer service representative and they have refused to do so. I have had XXXX different conversations with XXXX different people all of them telling me different things. One of them telling me that their gap insurance department should have paid for the damages. The gap insurance department says they have no idea why anyone would say such a thing. They quote me XXXX different amounts of money that I need to pay them to get the vehicle back depending on which customer service representative that speak to. I have asked every single time to speak with a manager, and they refuse to let me speak to a manager. And theyre telling me theyre gon na sell my car if I dont pay them immediately. I only owe them {$430.00} for XXXX sakes. I find it unbelievable that they would steal a car from me. Which they call repossessing. The car is worth XXXX times more now because of all of the damage that was made to it and all of the new body and mechanical parts that I have put into the car. These people are absolutely ridiculous. They continue to insult me and refuse to do anything to help me in anyway whatsoever. I find their practices to be unethical and morally disgusting.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

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

Company response to consumer: Closed with non-monetary relief