vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Twice Represented That My {$5000.00} Disputes Were Resolved but Failed to Issue the Corresponding Credit or Explain the Approved Amount. This complaint comes down to a very simple question. On XX/XX/2026, Synchrony Bank informed me in writing that Claim # XXXX, involving a disputed amount of {$5000.00}, had been resolved and that the amount would be credited within three business days. After receiving that notice, I specifically contacted Synchrony Bank to confirm the outcome. Synchrony customer service representatives, acting on behalf of the bank, repeatedly confirmed that my {$5000.00} dispute had been approved and that the credit would be posted within three business days. I relied on those representations because they came directly from Synchrony Bank representatives regarding my dispute claim. No corresponding {$5000.00} credit was ever issued. Instead of receiving the approved credit, I later discovered that the dispute had effectively been closed without any meaningful explanation and without any response to the issues and evidence I submitted. After I challenged that result and submitted extensive supporting documentation, Synchrony opened a second dispute, Claim # XXXX. On XX/XX/2026, Synchrony Bank again informed me in writing that my {$5000.00} dispute had been resolved and that the amount would be credited. Again, no corresponding {$5000.00} credit was ever issued. At this point, Synchrony Bank has twice informed me in writing that my {$5000.00} dispute was resolved, and its representatives repeatedly confirmed that the dispute had been approved. Yet no {$5000.00} credit has ever been posted. At the same time, I submitted extensive evidence and specifically requested written responses to my concerns. I submitted multiple exhibits and requested that each issue be addressed individually. None of those issues were substantively answered. Instead, the disputes were marked as resolved without addressing the evidence, without addressing my questions, and without explaining why a dispute represented as approved never resulted in the corresponding credit. My question is straightforward : If Synchrony Bank approved my {$5000.00} dispute, when will the approved credit be issued? If Synchrony Bank did not approve my {$5000.00} dispute, why did it repeatedly state in writing that the dispute was resolved and APPROVED, why did its representatives repeatedly confirm approval, and why was I informed that the amount would be credited within three business days? I respectfully request that CFPB require Synchrony Bank to provide a clear written answer to these questions and provide a substantive response to the evidence and issues that remain unanswered.

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 2026-06-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
CFPB Complaint Against Wells Fargo I am submitting this complaint regarding Wells Fargos handling of my dispute claims related to multiple XXXX XXXX XXXX transactions charged to my business card ending in XXXX under my company, XXXX XXXX XXXX ( XXXX : XXXX ). I paid this merchant for services/items that were either not received or were materially different from what was advertised and promised at the time of purchase. I attempted to properly dispute these charges directly with Wells Fargo by phone and clearly explained that multiple transactions needed to be disputed. However, after speaking with Wells Fargo representatives, I later received confirmation showing that only one transaction had been filed, despite me clearly requesting disputes for multiple charges. In addition, the dispute appears to have been submitted without the proper dispute reason being documented. I believe Wells Fargo failed to properly process and document my dispute request. I am concerned that the bank did not accurately handle my claim, did not properly investigate the full pattern of transactions, and did not provide adequate assistance in resolving this matter. The dispute reasons for these transactions include : Services not received Services/items not as described Failure by the merchant to provide the agreed services after payment was made I am attaching a detailed list of the XXXX XXXX XXXX transactions, including dates, amounts, and transaction reference numbers, along with the supporting information currently available to me. I am requesting that Wells Fargo : Properly file and investigate all attached XXXX XXXX XXXX transactions Correctly document the dispute reasons for each charge Conduct a full investigation into the merchant charges Provide written confirmation that all disputed transactions are being reviewed I am seeking assistance because I have already attempted to resolve this matter directly with Wells Fargo, but the disputes were not properly processed. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Card Ending in XXXX Phone : 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 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer Code XXXX. Five dealer-installed products totaling {$11000.00} were added to my Lexus Financial Services retail installment contract ( Account ending XXXX ) : TFS GAP ( {$1200.00} ), XXXX XXXX ( {$3700.00} ), Smart Driver Elite Protection ( {$2700.00} ), Smart Driver Windshield Plus ( {$1400.00} ), and TFS Prepaid Maintenance ( {$2100.00} ). On XX/XX/year> within the 30-day full refund window I submitted a written cancellation request to Finance Manager XXXX XXXX at the dealership, as authorized by each contract. On XX/XX/year>, XXXX XXXX confirmed in writing : " Your policies are cancelled and you will be receiving a refund. Please allow 8-10 weeks for the amount to be debited to your LFS account ending in XXXX. '' He reconfirmed on XX/XX/year>. As of XX/XX/year> 109 days later no refund has been credited to my LFS account. When I contacted Toyota Motor Insurance Services directly on XX/XX/year>, I was told the dealer NEVER submitted cancellation paperwork for any of the five products. I was forced to cancel two products directly through Toyota 's portal ( Case # XXXX ), incurring {$130.00} in fees I would not have owed within the 30-day window. The remaining three products AAGI VSC ( {$3700.00} ), Smart Driver Elite Protection ( {$2700.00} ), and Smart Driver Windshield Plus ( {$1400.00} ), totaling {$7800.00} are still in the cancellation process. Their status is unknown and no refunds have been received. I submitted cancellation requests directly to AAGI via their online form and to XXXX XXXX XXXX via email on XX/XX/year>, as the dealer failed to do so over 109 days. I have no confirmation that these cancellations will be processed correctly or that the full refund amounts will be honored, given the dealer 's established pattern of non-compliance. The dealership 's General Manager, XXXX XXXX, received formal emails on XX/XX/XXXX and XX/XX/year>, and has not responded to either. The dealer confirmed cancellation in writing but deliberately failed to process the paperwork for 109 days, causing direct financial damages of at least {$130.00} in avoidable fees, plus ongoing harm from the unresolved {$7800.00} in pending refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone taking my money in the atm i just need it back

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 2026-06-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a claim with Chase bank regarding a recurring charge from XXXX XXXX. I had business with this merchant last year on XX/XX/XXXX and XX/XX/XXXX. Since then, I have had charges from them almost every month since then. I have reported all of them and they have all been reviewed and reversed until now. On XX/XX/year>, I had 9 unrecognized charges from this merchant. I opened my dispute, and they were not reversed. I talked to a supervisor with the fraud department and he implied that my account was a risk to the bank and that I had something to do with those transactions. Im loosing $ 1000+ and feel with my hands

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XX/XX/year> my federal Pell grant, XXXX student grant, and the XXXX opportunity fund was granted to me for the XXXX spring semester at XXXX XXXX and the financial aid office covering up adjustments and not applying it correctly to my student tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, at approximately XXXX XXXX, I received a phone call from scammers impersonating USAAs Fraud Department. The callers had access to my USAA account details and login information. They claimed there were fraudulent charges on my checking account and directed me to go to a XXXX XXXX branch, stating XXXX was a partner that could help resolve the issue. They kept me on the phone for several hours, applying heavy pressure. They told me my account was locked due to fraud and instructed me to verify it at a XXXX ATM ( the transaction was denied, and I have the receipt ). They then directed me to initiate a {$14000.00} cash advance at the XXXX branch, repeatedly assuring me the transaction would not go through because of the fraud lock. I never intended to send money to anyone and knew my account lacked sufficient funds to cover that amount. After the transaction posted, I contacted USAAs official number around XXXX XXXX the same day and reported the fraud. USAA issued provisional credit during the investigation. On XX/XX/2026, USAA denied the claim ( Dispute ID XXXX ), stating the transaction was authorized, and plans to reverse the provisional credit on XX/XX/2026. However, a related {$5000.00} transaction from the same scam ( Dispute ID XXXX ) was approved in my favor and made permanent. I took the following actions : Visited XXXX the next morning ( XX/XX/XXXX ) in person, where a fraud alert / Unusual Activity Report ( UAR ) was placed and I received a deposit slip. Filed a police report with XXXX XXXX ( XXXX # XXXX ). Filed complaints with the FTC ( Report # XXXX ) and FBI IC3. I believe this is an unauthorized transaction caused by fraudulent inducement. It meets USAAs own definition of unauthorized use because I received no benefit, had no fraudulent intent, and was deceived by scammers impersonating USAA. I am requesting that USAA reverse their denial and make the full {$14000.00} provisional credit permanent.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX writing to file a complaint against PORTFOLIO RECOVERY ASSOCIATES , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 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: CA

Complaint narrative:
I am submitting a complaint regarding Synchrony Bank 's handling of a CareCredit billing dispute that has remained unresolved for more than two years. On XX/XX/year>, I was charged approximately {$3000.00} through CareCredit for veterinary services. I disputed these charges and have reopened or attempted to reopen the dispute five or more times. The dispute arises from veterinary services that I believe were improperly performed and resulted in significant harm. Following the procedure, I sought additional veterinary review and subsequently filed a complaint with the California Veterinary Medical Board. Because that complaint remains under investigation, I understand that certain individuals involved are unable to provide written statements at this time. My purpose in contacting Synchrony is not to ask the bank to determine whether malpractice occurred, but rather to ensure that my dispute receives a fair review and that I am provided the documentation and explanations that I have repeatedly requested. The primary issue is not simply that Synchrony denied the dispute. The issue is that Synchrony repeatedly stated that a written denial explanation would be mailed to me or made available online, but I never received a denial letter and was never provided a written explanation of the basis for the denial. I was only informed that the dispute had been denied. I repeatedly requested copies of the denial notices, the reason for the denial, and any merchant documentation or evidence relied upon by Synchrony. This information was never provided. Additionally, I later learned that the veterinary clinic had informed Synchrony that they would discuss the matter with me directly or handle it in-house. Synchrony did not communicate this information to me for months. By the time I became aware of it and contacted the clinic, I had already filed a complaint with the California Veterinary Medical Board and the clinic declined further communication. A complaint regarding the underlying veterinary services is currently under review by the California Veterinary Medical Board. Due to that ongoing investigation, individuals involved in the review have informed me that they can not provide written statements at this time. I am requesting that Synchrony provide all denial notices, merchant documentation, notes, correspondence, and evidence relied upon in denying my dispute, provide a written explanation for the denial, and conduct a complete executive review of this matter. I am also requesting a full reversal or credit of the disputed charges totaling approximately {$3000.00}, including any interest, fees, or other charges that accrued as a result of the disputed balance.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : __________ Portfolio Recovery Associates , LLC Re : Request for Validation of Alleged Debt To Whom It May Concern : I recently became aware of a collection account reported by your company on my credit reports with both XXXX and XXXX. The account is reported with an approximate balance of {$5000.00} and was last reported on or about XX/XX/year>. I dispute this alleged debt and request validation pursuant to the Fair Debt Collection Practices Act. Please provide : 1. The name and address of the original creditor. 2. The original account number. 3. A complete itemization of the amount claimed to be owed, including any interest, fees, or other charges. 4. Documentation showing that I am legally obligated to pay this debt. 5. Documentation showing that Portfolio Recovery Associates has legal ownership of, or authority to collect, this debt. 6. The date of default and the date of the last payment on the account. 7. Documentation establishing that the debt is within the applicable statute of limitations. This letter is not an acknowledgment of liability and is not a promise to pay. Until the requested validation is provided, I dispute the debt and request that it not be treated as verified. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
-I have a collection account from Credit Collection Services XXXX -I want to resolve this debt directly. -The agency lacks an electronic communication option. -I refuse to negotiate over the phone. -I need a verifiable written record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I ordered an XXXX XXXX XXXX XXXX Holographic Card from an XXXX seller named XXXX. Sellers profile shows their location is XXXX ( items shipped from seller does not show XXXX ). Later on the same day, the purchase shows XXXX delivered an item that was shipped from XXXX XXXX, XXXX XXXX and was signed by someone I do not recognize, named XXXX XXXX ( see attachment ). I never received this shipment, ( tracking # XXXX ). I contacted XXXX, and seller was notified. Seller sent out another shipment via a third party delivery company from a XXXX address that is fulfilled by USPS ( tracking # XXXX ) delivered on XX/XX/year>. The item received is a counterfeit, it is not holographic and it is a fake XXXX card. Sellers description did not disclose this information. Sellers feedback profile also shows suspicious and doctored reviews, of the same couple of reviewers buying something called XXXX XXXX for the XXXX XXXX XXXX. All the reviews look copy and pasted by the same few suspicious reviewers. All these inconsistencies indicates seller, XXXX is suspicious. In my email, I have attached pictures and evidence I have collected on this case. I made a dispute to Citi, and they held the buyer, me to be responsible because the merchandise was delivered. I called Citi on XX/XX/year> to appeal this decision in light of new evidence, the delivered product is a counterfeit, non-holographic, and not a XXXX card. Citi informed me that can not take videos but only pictures and documents, I have a video of me opening the package. I was instructed to email XXXX, and was assured by the agent they will respond within 48hrs or I will get an automated message. I emailed them a memo detailing my position, and evidence or documentation I collected regarding this transaction. Today is XX/XX/year>, I have not heard back from Citi and decided to report this complaint here.

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 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: CA

Complaint narrative:
I am a California resident who took out a payday loan with this lender. The lender is a tribal lending entity that charges interest rates far exceeding what is legal under California law, with annual percentage rates well above the 36 % cap permitted for consumer loans in California. The company deliberately operates under tribal sovereign immunity as a strategy to evade California consumer protection laws and state usury limits. I was not adequately informed of the true cost of this loan prior to signing. I have taken out multiple loans with this lender over time, paying far more in interest and fees than the original principal borrowed. I am requesting the CFPB investigate this lender and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I contact national credit system XX/XX/year> @ XXXX XXXX on telephone number XXXX, not sure, but think the name was XXXX, he stated calls were recorded. I called to see what I owe, set up payment arrangement and also see if there was any settlement offers, he ask me for my card number, in order for him to see if he could help me, he would need to charge my card XXXX, I ended the call because I have never heard of that, he said he dont know what offers r on the table. I felt pressured, I stated I dont feel safe doing business with you guys, I dont want to settle a debt if I am required to give a dollar, just so you can help me. With all the scamming going on, I dont trust this company, I have made payments with them before, on the same account, and that questions was never asked. ( I have attached proof of me calling and the conversation lasting about 8 minutes

Company response to consumer: Closed with explanation