vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: TX

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: VA

Complaint narrative:
I just got my mail, and now Ive been made aware of XXXX collections that XXXX has abrubtly sold to another company after holding on to them for years. After I filed the intial compliant for the first debt sale by XXXX, I checked the mail and I received a XXXX XXXX Financial Recovery Services. Another debt collector. This account was included in the Idenitity Theft Afidavit I had filled out and mailed off this past Saturday back to XXXX Funding. Now its not their problem, and I assume they can again erase their tracks so that no investigation can locate which of the colllections account did they trick my former employer to paying out a garnishment to them ( no judge granted a garnishment of my wages on the default judgment, as is evident on the summons I attached to a previous case that XXXX won bc they never alerted me of the court date ). What has become abundantly clear is that XXXX saw their liability in the documents I submitted, and instead of getting nothing for the debt they purchased for Pennies on the dollar, they are selling all of them to the highest bidder who is still within their resurgent group of debt XXXX. If they thought they werent Going to lose or face consequences, why after all this time would they be selling them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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 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. I don't believe I could have paid that person to actually care. 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. I have no missed calls, no emails- yes, I check my spam, and no letters in the mail. I have no issues with my 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. I have been a loyal, on-time customer for 10 years to this company. I worked SO HARD to pay this card off and to get the credit limit I had. 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. Care credit will SAY they mailed me a letter to " verify my identity ''. Well they have my correct address, phone number AND email address. I never received the letter they claim to have sent ( I check my mail often and never have anyone saying they send things & I don't receive them - quite literally - never ), I never got a call, an email - nothing. This is a GROSS misuse of power. I will report and post this everywhere I can and will not stop until this is handled.

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 2026-05-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I called Goldman Sachs on XX/XX/XXXX because I could not transfer my funds that had matured on a 14 month CD to my checking account. I was told that a " no debit restriction '' had been placed on my account. They were able to verify that a BMO account was mine but unable to verify a XXXXXXXX XXXX access account was mine- despite them having placed 2 micro deposits in the account which I verified in XX/XX/XXXX. I was told that I needed to send them a statement from XXXX account to verify the funds I had transferred. I mailed them a copy of my XX/XX/XXXX statement on XX/XX/XXXX which they received XX/XX/XXXX. Today I received a message from XXXX from Marcus Goldman Sachs. When I returned the call, they said that they had received my statement but that now a newer statement was needed in order to lift the " no debit restriction '' placed on the account. And that my account had been rolled over into another high yield CD. I don't want that CD and don't understand how they think that they have the right to keep my money against my wishes. Also, if I send them a newer statement via 2-3 day priority delivery, again at my expense, what prevents them from just making up another requirement on the spot to tie up my funds. Thank you for any help you can offer. I would hate for this game played by Marcus Goldman Sachs to not release funds to happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for CareCredit financing in XX/XX/year> after viewing promotional terms on CareCredit 's website stating 'no interest if paid in full within 24 months. ' I understood I was receiving a XXXXXXXX XXXX XXXX interest promotion. I have since been charged {$3800.00} in interest on a {$9400.00} procedure, bringing my total to {$13000.00}. When I contacted Synchrony, they told me the promotion is offered by the provider, not them, and refused to reverse the charges. This promotional language appeared on CareCredit 's own website with no clear disclosure that the promotion originated with the provider rather than CareCredit/Synchrony . I believe this constitutes a deceptive or misleading disclosure.

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 2026-05-26 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: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
I reported unauthorized XXXX XXXX transactions immediately after discovering that my account had been accessed from an unknown device/location. The disputed transactions occurred in XXXX while I was physically located in XXXX. The XXXX XXXX debit card involved had only been received approximately XXXX week before the unauthorized activity occurred. I was told Global Credit Union investigated the matter as a XXXX XXXX unauthorized electronic fund transfer claim but denied the dispute. During follow-up communication, I was informed that the claim was denied because the transactions were completed using the XXXX XXXX debit card credentials, and the institution therefore considered the transactions authorized. I am concerned that the investigation improperly equated use of account/card credentials with authorization by the account holder despite evidence consistent with account compromise. Use of account or card credentials alone does not establish that the account holder personally authorized the transactions, particularly where unauthorized access and geographic inconsistencies were reported. The documentation provided by the institution and XXXX XXXX appears to show only that : * the XXXX XXXX account and credentials were used, * the card had previously been activated, * and prior account activity existed. The documentation does not clearly establish that I personally authorized the disputed transactions, nor does it adequately address : * the reported unauthorized login/device activity, * the XXXX transaction location while I was physically located in XXXX, XXXX or whether possible account or credential compromise was meaningfully investigated. I requested clarification regarding : * how authorization was determined, * what evidence was relied upon, * and whether the unauthorized access evidence was reviewed as part of the XXXX XXXX investigation. I am requesting : * a thorough reconsideration of the XXXX XXXX determination, * documentation supporting the denial and liability determination, * and clarification regarding how the institution concluded the transactions were authorized by me despite evidence of possible account compromise. Supporting documentation, correspondence, screenshots, and the institutions evidence package are available and can be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I make a payment of about XXXX dollars every month for a used car loan to Santander bank. Usually, about XXXX is applied to the principal, and XXXX is applied to the interest. The last payment I made was for XXXX dollars. I paid more than the minimum to reduce the principal faster and pay off the loan quicker over time, but they applied all the extra money I paid above the minimum payment to the interest. I called Santander bank 2 times after they inappropriately applied my payment to the interest. I called them on the XXXX and XXXX of XXXX. I spoke to an employee named XXXX # XXXX and and employee named XXXX # XXXX. They both assured me they could fix the problem, but, both times, the next day I got an email from Santander bank saying they could not complete my request either for insufficient information, supporting documents, or because it isn't something they do. They refuse to undo their error. Please help me. I read online that Santander bank does this a lot, and government intervention is required for them to fix their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: RI

Complaint narrative:
Hello, I am submitting this complaint regarding Nelnets failure to respond to my written correspondence and their decision to restart my student loan payments without addressing the concerns I formally raised. I mailed written letters to both Nelnet and XXXX requesting assistance and asking that my payments be ceased/paused due to issues related to XXXX. One of my primary concerns is that my private information may not have been handled confidentially and may have been viewed or accessed by XXXX without my authorization. While XXXX responded to my correspondence, provided guidance, and assisted me appropriately, Nelnet completely failed to respond. Despite receiving my written communication, Nelnet did not acknowledge my concerns, provide any explanation, request additional information, or attempt to contact me in any way. Instead, they proceeded to restart my loan payments without resolving or even addressing the issues outlined in my letter. I find Nelnets lack of communication and disregard for my formal written request extremely concerning. Borrowers should not have payments resumed while legitimate disputes or privacy concerns remain unanswered. Additionally, I am concerned that my personal information may not have been handled in a confidential or secure manner. If my information was improperly disclosed, accessed, or shared without authorization, such actions may raise concerns under federal consumer privacy protections, including the Federal Trade Commission Act ( FTC Act ), the Electronic Communications Privacy Act ( ECPA ), and the Stored Communications Act ( SCA ). I am requesting that the CFPB investigate Nelnets handling of my account and failure to respond to my mailed correspondence. Specifically, I am requesting : A formal review of my account and payment status Confirmation that my mailed correspondence was received and reviewed An explanation as to why my payments were restarted without any response to my concerns Clarification regarding how my personal information was handled and whether it was disclosed or accessed improperly Appropriate corrective action regarding my account, if warranted Improved communication and borrower privacy protection practices moving forward. I must admit that I did not retain a copy of the certified mail receipt. However, I do have a copy of the letter that was mailed, along with proof of my bank statement showing payment for the certified mailing. - see attached Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am formally escalating an issue involving sensitive identity documents that were submitted to Marcus by Goldman Sachs as part of my legal name change process. Before mailing my documents, I verified the mailing address with XXXX representatives on XXXX separate occasions. ( XXXX XXXX policy, they handle name change requests solely by mail. ) I then mailed my marriage license and a cover letter on or around XX/XX/XXXX, containing identifying information including my full maiden and married names, date of birth, contact information, and partial bank account information ( specifically, the last XXXX digits of my bank account number ). After the documents were mailed, I was informed by XXXX representatives that the documents had been sent to the wrong address, despite the address having been verified with me previously. I was then told the documents would be forwarded internally to the correct department. I have since made multiple follow-up calls and am now being told the documents were never received at all and that I must resend them. I am concerned that my documents and sensitive information have been mishandled and lost, and I am now concerned for my identity/financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Trying to get my money from my old account XXXX can't seem to get it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding Sequium Asset Solutions and an alleged debt connected to XXXX services/devices that I dispute in its entirety. The alleged debt arises from a transaction conducted through a third party XXXX retailer. During the transaction we were told the devices were free, and the financing terms and long term payment obligations were not properly disclosed. I do not believe I knowingly entered into the financial agreement now being claimed. On XX/XX/year> I mailed Sequium a formal written dispute and request for debt validation via certified mail. In that letter, we requested : Verification and itemization of the alleged debt Copies of all signed agreements or contracts Documentation showing that I knowingly agreed to financial terms The name and address of the original creditor Proof that Sequium is authorized to collect the debt Documentation establishing the chain of assignment or transfer To date we have not received the requested validation or supporting documentation. I requested that all collection activity cease pending validation and that the account not be reported to credit reporting agencies without being properly marked as disputed. I am requesting CFPB assistance to insure that : The collector provides proper validation of the alleged debt Any inaccurate or unsupported reporting is corrected or removed The account is properly marked as disputed with all credit reporting agencies and collection activity ceases unless and until the debt is properly validated. I believe the underlying transaction involved deceptive sales practices and inadequate disclosure of financial terms. I can provide copies of the dispute letter and certified mail documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was placed into a mandatory escrow account as a non-negotiable condition of a COVID forbearance modification in XXXX. I had managed my own taxes and insurance for the first seven years of this loan without a single missed payment. Chase imposed escrow, set the computation year, and chose to pay my homeowner 's insurance as an annual lump sum rather than installments. My homeowner 's insurance premium has increased 303 % over six years : {$2400.00} in XX/XX/XXXX, {$2700.00} in XX/XX/XXXX, {$3500.00} in XX/XX/XXXX, {$4400.00} in XX/XX/XXXX, and {$9800.00} in XX/XX/XXXX -- a 121 % single-year increase in the final year. Chase paid the full XX/XX/XXXX annual premium in a lump sum on XX/XX/XXXX for the policy period XX/XX/XXXX through XX/XX/XXXX. Chase confirmed in writing that they base escrow estimates on what was paid the prior year, meaning their own backward-looking methodology guaranteed a shortage the moment the premium doubled -- they collected based on {$4400.00} all year then paid {$9800.00} in a single lump sum. Chase is now requiring me to reimburse that advance through a {$5900.00} escrow shortage recovery at {$490.00} per month, while simultaneously collecting ongoing escrow building toward the next renewal. This forces me to carry overlapping funding burdens across policy periods -- a cross-period prefunding structure that does not occur with my property tax escrow, which Chase pays in two installments as permitted by California law. My insurer, XXXX ( XXXX XXXX XXXX XXXX ), offers a four-payment installment option for a {$5.00} per payment fee -- {$20.00} annually -- which I would willingly pay. Chase refused this option in writing on XX/XX/XXXX, choosing instead to maintain the annual lump sum method that directly created this shortage. Meanwhile Chase credits my escrow account at only 2 %, earning {$89.00} in interest in XXXX while holding thousands of my dollars and profiting on the float. Every structural decision that created this shortage -- the mandatory escrow, the computation year, the backward-looking estimation method, and the annual lump sum payment -- was Chase 's decision, not mine. I had no input into any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Transworld Systems has been reporting a collection account ( reference XXXX ) with a balance of {$2600.00} and an original creditor listed as XXXX. I do not know what XXXX is and have never had any agreement with that entity. I disputed this account in XX/XX/XXXX through certified mail to all three bureaus and directly to Transworld. I have never received any validation documentation. Here is what happened after my dispute. XXXX appears to have deleted this account. It was present on my XX/XX/XXXX XXXX report but does not appear on my XX/XX/XXXX XXXX report. However, XXXX kept the account. XXXX XX/XX/XXXX investigation returned the result investigation complete, reported by data furnisher, and the account remains on my XX/XX/XXXX XXXX report. This creates a direct contradiction. If XXXX deleted this account because the furnisher could not verify it, then the same account should not survive XXXX investigation. Either the account is verifiable or it is not. The fact that one bureau deleted it and another kept it suggests that the investigations were not conducted with equal rigor, or that the furnisher gave inconsistent responses to different bureaus. The timeline is also problematic. XXXX reported a Date of First Delinquency of XX/XX/XXXX. The collection was not opened until XX/XX/XXXX, more than three years later. No chain of assignment has been provided. The reporting history shows gaps, including an ND ( no data ) period on XXXX for XX/XX/XXXX. As with the XXXX XXXX account, the name discrepancy across bureaus means this may not be my debt.

Company response to consumer: Closed with explanation