vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding a {$2700.00} interest charge applied to my CareCredit account ( issued by Synchrony Bank ) on XX/XX/year>, following the expiration of a promotional financing period. I want to be clear : I understand the promotional terms and am not disputing that the charge was applied correctly per the account agreement. I take responsibility for not paying off the balance within the promotional window. However, I contacted CareCredit customer service to request a one-time courtesy reversal or any form of accommodation, and after escalating to a supervisor, I was told nothing could be done. I was given no alternative options, no hardship program, and no path forward other than accepting the full charge. I am a customer who wants to remain in good standing and continue using this account. A {$2700.00} single interest charge creates a significant financial hardship, and I believe a reasonable accommodation even a partial reversal or a reduced repayment plan is warranted given my account history and willingness to work cooperatively with Synchrony. I am asking the CFPB to facilitate a response from Synchrony Bank that goes beyond a front-line denial, and that a supervisor or executive-level representative review my account and consider a goodwill accommodation. 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 monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I sent a certified written dispute to National Credit Systems regarding an alleged apartment collection account. The company received the dispute but failed to provide validation or conduct a reasonable investigation. Despite this, the account continues to be reported on my credit file. I requested documentation including a signed lease agreement and itemized accounting, but no response was provided. I am requesting immediate deletion of this unverified account from all consumer reporting agencies. On XX/XX/2026 it had been well after the date sent the letter on XX/XX/2026 so I called to verify I had the correct address for the letter to be sent. The rep confirmed and asked to help. I stated that I didn't know where this debt was coming from and in the letter I explained what I was asking for. He said they did not have the proper address for me to respond back to me. I explained I put my updated address and proof of identity in the letter. He then sent me a copy of the lease and a document from National Credit System , Inc well after the date I requested information. The information wasn't complete as it had no accounting ledger and dates of debt. I asked him to remove it as it had been over 45 days of what I due lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to a [ letter/phone call ] received on [ insert date of contact ], regarding the alleged debt you claim I owe. This is not a refusal to pay, but a formal request for validation of the debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). I am exercising my right to request the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges. The name of the original creditor and the original account number. A copy of any judgment, if applicable. Documentation proving you are authorized to collect this debt. A copy of the original signed agreement or contract that created the debt. Until you provide the requested validation, I request that you cease all collection activities, including reporting to credit bureaus, calling, or sending letters. If you are unable to validate the debt, please cease collection and remove any negative reporting from my credit reports. 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 non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am documenting that XXXX confirmed only one transaction was processed, but a duplicate authorization/charge reduced my available Huntington Bank checking account balance to {$0.00} over XXXX XXXX weekend. I requested removal of the authorization hold and was told it may not resolve until XXXX. I am requesting immediate review, release of the duplicate authorization, and waiver of any overdraft or returned-payment fees related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, my PayPal account experienced unauthorized activity consistent with account takeover fraud. During the incident, multiple rapid transactions were initiated to unfamiliar recipients, including digital gift purchases and peer-to-peer transfers that were inconsistent with my normal PayPal account behavior. The unauthorized transactions included payments and transfers to unfamiliar recipients, including transactions involving digital gift purchases, invoice payments, and person-to-person transfers. Some transactions were later refunded or reversed, while others remain unrecovered. One transaction involved a {$350.00} refund reversal that remains unexplained. At the same time, numerous unauthorized security and account-management actions occurred on the account, including password changes, two-step verification changes, trusted-device login activity, linked financial account removals, and account feature restrictions. I also received notices from PayPal indicating that account access had been restored, that certain payments had been reversed, and that PayPal had paused some account features due to suspicious activity. Several merchants issued refunds during the same period, and multiple failed bank transfer notices were generated. These events support that the account was experiencing unauthorized access and abnormal activity rather than legitimate authorized use. I immediately reported the activity to PayPal, opened multiple fraud cases, and submitted appeals after the claims were denied. Despite the pattern of unauthorized access, security-related account changes, payment reversals, refunds, and suspicious transaction activity, PayPal denied the fraud claims and failed to provide a satisfactory explanation of how the transactions were determined to be authorized. I am requesting a full Regulation E investigation into these unauthorized electronic fund transfers and account takeover activity, including review of login/device history, IP access logs, security changes, trusted-device authorizations, linked account removals, and reimbursement of unrecovered fraudulent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding repeated and excessive telephone calls from Comenity Bank/XXXX XXXX and/or its collectors regarding a credit card account. I have received numerous calls from multiple numbers, including repeated No Caller ID calls, repeated calls over consecutive days, and calls where the caller disconnects or hangs up immediately after I answer. I also received voicemail messages using escalating and intimidating language referencing attorneys, deadlines, and continued collection efforts. The volume and pattern of these calls have caused significant stress and disruption to my daily life and household. On one day alone, I received 5 calls between approximately XXXX XXXX and XXXX XXXX, and on 3 occasions I answered the call only for the caller to disconnect or hang up immediately. Additional calls have appeared under XXXX XXXX, and the repeated contact continues without meaningful communication being provided. I believe these communication practices are excessive, unreasonable, and harassing. Due to the ongoing distress and repeated unwanted contact, I am requesting that this account be reviewed for full debt forgiveness and that all collection calls immediately cease. I also request that all future communication regarding this matter be made in writing only. I have maintained and uploaded some screenshots and voicemail records documenting the repeated call activity and am prepared to provide more of them as supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase Bank denied my dispute regarding a {$250.00} cleaning fee charged by XXXX and requested additional documentation : the receipt. Due to the weekend, I was unable to upload the requested documentation until XX/XX/year>. I submitted the receipt as soon as I reasonably could. However, Chase denied my dispute again on XX/XX/year>. I do not believe Chase conducted a fair or reasonable reinvestigation after receiving my documentation. The timeline between my submission and the second denial appears extremely short and raises concerns that my evidence was not properly reviewed. I continue to dispute this charge because : The vehicle already had stains on the seats when I picked it up No pre-rental walkthrough or inspection was conducted with me XXXX did not provide me with pre-rental photographs or condition reports I have not been provided sufficient evidence proving I caused any damage ( the statins were already on the seat when i picked up the car ) and excessive cleaning condition warranting a {$250.00} fee I requested supporting documentation such as timestamped photographs, inspection reports, and proof of cleaning charges, but I have not received adequate substantiation supporting the merchants claim. I am requesting : A full and fair reinvestigation of my dispute Copies of all evidence relied upon by Chase and XXXX Review of whether proper dispute procedures were followed before denying my claim Reversal of the disputed {$250.00} cleaning fee if the merchant can not adequately substantiate the charge I believe Chase failed to properly evaluate the dispute I submitted and relied too heavily on unsupported merchant assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: FirstPoint Collection Resources
State: NC

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 my consumer reports recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
Product : Savings Account Company : Goldman Sachs Bank USA XXXX XXXX ) What Happened : I am filing this complaint against Goldman Sachs Bank USA for failing to honor an advertised {$1500.00} online savings account promotional bonus. I opened my account directly through their website promotion and completed a deposit of {$100000.00}, which successfully cleared and was settled in my account on XX/XX/year>. The promotional terms required the balance to be maintained through a deadline of XX/XX/year>. I completely fulfilled this requirement, keeping the full {$100000.00} untouched past that date. Despite full compliance, the {$1500.00} bonus was never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Once I started making Payments ( made 2 Payments, on Time ) I discovered that my Payments WERE NOT Reducing my Loan, but were in fact INCREASING the amount that I owed! My XXXX payment was made on XX/XX/XXXX, for {$140.00}. My XXXX Payment was made on XX/XX/XXXX, for {$210.00}. I originally Borrowed {$2800.00}, but after making 2 monthly Payments, I discovered that my Principal was NOT DECREASING, but INCREASING each month, BECAUSE of the Fees, that I did NOT understand when I took the loan. After making 2 Monthly payments, my account GREW to {$3000.00} - EVEN AFTER I MADE 2 PAYMENTS. I discovered that of my 1st Payment of {$14000.00}, I discovered that ONLY {$48.00} went towards my Principal and they took {$100.00} as Fees! Of the {$210.00}. 24 payment that I made on XX/XX/XXXX, ONLY {$71.00} went towards my Principal and {$140.00} was charged as Fees! My overall Balance has therefore INCREASED TO {$3000.00}. Each time I took a cash Advance, they DEDUCTED 10 % in advance AS ANOTHER Fee. I thought that the 10 % in ADVANCE was the only fee that I would be charged. After seeing these fees, I contacted the company and explained that These fees seems to be EXORBITANT and I thought ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
I am disputing a Federal Family Education Loan Program consolidation loan currently held by the Kentucky Higher Education Assistance Authority ( XXXX ), showing an outstanding balance of {$50000.00}. I am disputing a Federal Family Education Loan Program consolidation loan currently held by the Kentucky Higher Education Assistance Authority ( XXXX ), showing an outstanding balance of {$50000.00}. In a letter dated XX/XX/year>, XXXX acknowledged that documentation was not included in the historical records transferred to them when the guarantor portfolio was reassigned from the New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They also acknowledged that my loan record in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) contains inconsistencies related to enrollment at XXXX XXXX. I did not attend XXXX XXXX. I did not receive any financial aid from XXXX XXXX. I never authorized any loan connected to that institution. XXXX also referenced loans tied to XXXX XXXX XXXX in prior communications. That institution does not appear anywhere in the XXXX XXXX XXXX they provided to me. That discrepancy has never been explained. In my written response dated XX/XX/year>, I formally requested the following documentation from XXXX : 1. A signed Master Promissory Note or equivalent authorization 2. Certified enrollment and attendance records from each institution listed 3. Complete disbursement records showing dates, amounts, and recipients 4. Documentation establishing the full chain of loan assignment and ownership 5. Records showing how these loans were connected to my identity XXXX has not provided any of these documents. Additionally, in their XX/XX/year> letter, XXXX stated they were enclosing an Unpaid Refund Discharge Application. No such application was included in their correspondence. Despite admitting to missing records and inconsistencies, XXXX continues to pursue collection on this debt and a Treasury Offset Program action is pending. Under 31 U.S.C. 3720D and 34 C.F.R. Part 34, I have the right to inspect and challenge the enforceability of a debt before any collection action is taken. XXXX has not met that standard. I am requesting that the CFPB require XXXX to produce full validation documentation and halt all collection activity until that validation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trustly, Inc.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX. I am receiving text messages and emails from a debt collector to collect payment from me from a debt I do not know. I do not owed a debt when someone use my information to make sports betting accounts and took all of my money out of all my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
We received an unfair appraisal from XXXX XXXX ( # XXXX ) at XXXX, XXXX. doing an appraisal for lender United Wholesale Mortgage , LLC. After appraising it for more than $ XXXX below our initial sales price, our realtor contacted him to provide him with additional information and comps. He provided the comps at the time that we put our home on the market to show where we got our sales price, and when we got an offer on our home, those comps were now more than XXXX months old. The comps that this XXXX used were sold below market value and were very much so outliers, which is why we requested a reconsideration of value. There are other homes on the market in our neighborhood that are listed close to our sales price, nowhere near the low valuation he gave us. They've gone under contract at $ XXXX and $ XXXX and have appraised with no issues. There are no comparable homes listed for $ XXXX, which was the value he gave our home. Since the buyer was XXXX, now this low appraisal is stuck to our home and now we have to limit our pool of buyers to cash or conventional. After trying to salvage this sale with our buyer, she was not able to get more money from her lender and we were not able to go down to $ XXXX for our home from the original sales price of $ XXXX and the agreed sales price of $ XXXX. There are no active listings for a comparable house anywhere near $ XXXX, and there is new construction homes coming on the market in another XXXX XXXX neighborhood right next to us for $ XXXX. Due to losing this sale, we lost money on deposits for movers and PODs. We also lost the home we were building in another state, which we put down {$11000.00} deposit for. Since that is supposed to close next month, we now do not have time to sell our current home to pay for the new home and close on time. The buyer is also fighting to keep her {$3500.00} earnest money, so even that will not be available to us to try to recoup some of our losses. All because of a bad, unfair, unjustified appraisal from someone who had XXXX interested in working with our realtor to make it more fair, after he presented the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB Management Services is reporting a collection account on my Experian credit report with a balance of {$1500.00}. This account originated from an XXXX XXXX auto loan. On XX/XX/XXXX, XXXX XXXX responded to my prior CFPB complaint ( Case # XXXX ) and confirmed in writing that this account was transferred to NCB Management Services XXXX XX/XX/XXXX at a XXXX dollar balance. XXXX 's exact statement : " The Account was reported to the CRAs as transferred and was closed by XXXX with a zero balance. '' Despite this, NCB is reporting {$1500.00} on my credit report with no explanation of how this balance was derived from a {$0.00} transfer. I have never received any debt validation from NCB. NCB has been reporting this disputed account for over a year without providing validation, which violates 15 U.S.C. 1692g of the FDCPA.

Company response to consumer: Closed with explanation