vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
This company contacted my job several times. The sent letters and emails saying I owed money and they wanted to garnish my check. I have never dealt with them. The account they were referring to was paid off months ago and I have documents proving it.

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 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I told the rep that I called last Wednesday to inform Freedom Mortgage that I changed insurers and that they should not pay XXXX XXXX for the renewal. XXXX submitted the new policy to Freedom but according to the rep, the " systems aren't connected '' so I have to ask the insurance team. I also requested a full audit of my escrow account and have not received any follow up or any confirmation that my request will be completed. I questioned my escrow analysis, and he was really talking down to me as if I couldn't comprehend what he was saying. I explained myself to him, and he acted so perplexed by my math, interrupting me repeatedly and telling me " those numbers aren't anywhere on the analysis ''. I explained again, and since he had been snarky toward me, asking me if I thought $ XXXX x 12 months = {$10000.00}, I was snarky in my response saying, " stay with me now '' {$800.00} escrow + {$190.00} shortage = {$1000.00} '' Right? He then hung up on me mid-sentence after I called out his rudeness.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am filing a complaint regarding a checking account issue involving Bank of America and XXXX that has severely impacted my ability to bank. My Bank of America checking account was placed on hold/restricted due to suspected fraud. However, I reported to Bank of America that the fraudulent activity was not intentional or committed by me, but rather involved actions by another person. I cooperated and informed the bank of the situation. Despite this, I continue to experience severe banking restrictions and have been unable to open other bank accounts. This has negatively affected my ability to manage finances and access basic banking services. I also attempted to obtain more information from XXXX regarding the reporting affecting my ability to bank, but I have not been provided sufficient information or a meaningful explanation that would allow me to fully understand, verify, or dispute the reporting. I respectfully request a full investigation into this matter, including a review of whether I am being inaccurately reported or unfairly restricted due to fraudulent activity committed by another person. If the reporting or restrictions are inaccurate, incomplete, or unsupported, I request that the hold and any negative reporting be corrected or removed immediately. I am seeking a fair resolution so I can regain access to normal banking services and open a checking account without being unfairly penalized for fraud that I reported and did not intentionally commit.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I frequently use Synchrony PayPal Credit Card for purchases over {$140.00} that are supposed to be interest free if paid in full within six months. I rarely use the card for non-promotional purchases. I have been diligent about paying off these balances in full within the six month period so I am not charged back interest. I realized last month that I was being charged interest on nearly {$3000.00} worth of purchases at an interest rate of 30 %. I asked customer service where this came from as I know I have been paying off these purchases before their expiration. The only answer I received was a series of billing statements in the mail. I believe Synchrony has purposefully allocated my payments incorrectly to charge me back interest and I still can not even figure out what was not paid off and what purchases I am being charged interest for. The online system is very difficult to navigate. I can see promo purchases and I have double checked to make sure they are getting paid off but I can not find any other information without sorting through statements. I truly believe that Synchrony has not applied my payments correctly in order to charge me hundreds in interest.

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 2026-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Type : Bank Account / Money Transfer Issue Company Involved : XXXX XXXX XXXX and Synchrony Bank Description of Issue : On XX/XX/year>, I initiated an ACH transfer from my XXXX XXXX checking account ending in XXXX to a newly opened Synchrony Bank High Yield Savings Account. The transaction successfully debited my XXXX XXXX account for {$75.00}, as shown on my bank statement and transaction history. The transfer description indicates it was a Synchrony Bank Transfer. However, the funds were never credited to my Synchrony Bank account. Shortly after initiating the transfer, Synchrony Bank suspended my external transfers profile and later closed my savings account entirely. Synchrony instructed me to contac t XXXX XXXX to request a recall of the funds. I did so, and XXXX XXXX opened a claim. XXXX XXXX later denied the claim stating that the transaction was canceled, even though the funds were already debited from my account. As of today : * The funds have been debited from my XXXX XXXX account * The funds have not been credited to my Synchrony Bank account * The funds have not been returned to my XXXX XXXX account * Both institutions have provided conflicting information and no clear trace of the funds What I am requesting : I am requesting a full ACH trace investigation that includes : 1. Confirmation of the final disposition of the {$75.00} ACH transfer dated XX/XX/year> XXXX. Identification of whether the funds were : * Received by Synchrony Bank * Returned to XXXX XXXX * Placed in a suspense or closed-account holding account 3. The ACH trace number and full transfer routing history 4. Written confirmation from both institutions showing where the funds are currently held or when they were returned 5. Correction and resolution so the funds are credited back to my XXXX XXXX account since Synchrony closed the account. I never stated that I attempted to cancel with the merchant when clearly they closed my account due to not being able to identify that I was indeed the XXXX XXXX account owner. Additional Notes : Both banks have directed me to contact the other institution without resolving the issue. This has resulted in the funds being unaccounted for despite a completed debit from my XXXX XXXX account.

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 2026-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: NV

Complaint narrative:
I am filing a formal complaint against ServiceMac , LLC regarding inaccurate negative credit reporting following a company-initiated website migration. I attempted to make my monthly mortgage payment on time for the month of XX/XX/XXXX through the new interface. However, due to navigating the updated portal layout, an accidental data entry typo was made on the bank account number I put in the mortgage account number instead of my bank account number. As a result, the payment was returned by my financial institution. Upon realizing the error and contacting customer service on XX/XX/XXXX when i realized they had an emergency issue and no reps where available. I called back on XX/XX/XXXX made payment over the phone, representatives refused to offer assistance or apply consumer protection measures, simply stating " nothing can be done. '' I have acted in good faith to resolve this immediately by processing my XXXX mortgage payment on XX/XX/XXXX, including the late fee, ensuring the account is entirely current. Under RESPA guidelines and the spirit of consumer protections during system transitions, a single data error caused by an interface change should not result in a devastating 30-day late credit blemish. I request that ServiceMac 's compliance department review this case, ensure The 30 day late reported to the credit bureau be removed. ( XXXX XXXX XXXX ), and confirm my account is in good standing.

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 2026-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this formal complaint regarding Bank of America 's handling of fraudulent transactions on XX/XX/year> totaling {$670.00} ( {$510.00} and {$150.00} ) and the unacceptable treatment I received while attempting to protect my account and recover my funds on XX/XX/year>. I notified both the merchant and Bank of America that I refused the merchandise, requested cancellation of the transaction, and considered the charges unauthorized and fraudulent. Despite my immediate efforts to prevent further processing of these transactions, neither the merchant nor Bank of America acted with the urgency the situation required. Bank of America repeatedly failed to acknowledge my fraud claim and initially refused to take appropriate action to stop the processing of these transactions. I was forced to make multiple calls throughout the day before the bank finally recognized the issue and began addressing the fraudulent activity. This should not have required repeated contact and escalation on my part. The entire experience caused significant inconvenience, frustration, and unnecessary stress. I spent hours attempting to resolve a matter that should have been handled promptly upon my first report. During my interactions with customer service representatives, I was treated as though my concerns were unimportant. Several representatives appeared either unwilling to assist, indifferent to the seriousness of the situation, or inadequately trained to handle a fraud complaint of this nature. As a customer, I expect my financial institution to take immediate action when fraud is reported and to protect my funds from unauthorized or disputed transactions. Instead, I was given conflicting information, subjected to repeated transfers and delays, and forced to dedicate an entire day to resolving an issue that should have been addressed immediately. 1. Immediate confirmation that the disputed transactions totaling {$670.00} ( {$510.00} and {$150.00} ) have been stopped, reversed, or credited as appropriate. 2. An explanation as to why my fraud reports were not properly acknowledged when first made. 3. A review of the conduct and training of the representatives involved in this matter. 4. Compensation or consideration for the substantial inconvenience, time lost, and distress caused by the bank 's failure to act promptly.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint is about a PayPal Cashback Mastercard issued by Synchrony Bank. On my statement dated XX/XX/XXXX, I was charged a {$14.00} fee for PAYMENT SECURITY XXXX. At the time, I did not realize this was an optional paid service because I generally paid my balance early and did not closely review the fee details. More recently, on my statement dated XX/XX/XXXX, I received a paper statement and was charged a {$1.00} Paper Statement Fee. I did not request paper statements. After noticing the paper statement fee, I reviewed my statements more carefully and discovered the Payment Security charges. I do not recall knowingly enrolling in or authorizing Payment Security. After discovering the charges, I attempted to cancel the service. However, I was informed that cancellation is only available by phone. I have XXXX XXXX XXXX XXXX and can not effectively use phone support. I requested a written method to cancel the service, but I was not provided with a working written communication option. I was given an email address, but it was no longer monitored and did not accept customer inquiries. I am requesting cancellation of Payment Security, review and refund of the Payment Security fees, refund of the {$1.00} Paper Statement Fee, and an accessible written communication method for customers with XXXX XXXX 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding funds that continue to be held by Bank of America. My name is XXXX XXXX XXXX XXXX, owner of XXXX XXXX XXXX. On XX/XX/year>, a wire transfer in the amount of {$50000.00} was sent from the XXXX XXXX account of XXXX XXXX XXXX to a Bank of America account belonging to XXXX XXXX XXXX, account ending in XXXX. The wire transfer can be identified by IMAD number XXXX. After the wire transfer was sent, XXXXXXXX XXXX initiated a recall request. However, XXXXXXXX XXXX subsequently completed and closed its investigation and confirmed that it no longer has any claim to the transferred funds. The TD Bank investigation number is XXXX. Despite the fact that XXXXXXXX XXXX has closed its investigation and no longer claims the funds, Bank of America continues to hold or freeze the {$50000.00} associated with this wire transfer and has not released them to XXXX XXXX XXXX. I respectfully request that Bank of America immediately review this matter, verify with XXXX XXXX that investigation XXXX has been closed, and confirm that there is no outstanding claim against the funds. If there is no legal, regulatory, or contractual basis for maintaining the hold, I request that the funds be released without further delay. I also request a written explanation detailing the specific reason the funds remain frozen, the legal authority supporting the continued hold, and the steps required to resolve this matter. I am attaching supporting documentation showing thaXXXX XXXX XXXX has closed its investigation and no longer claims the funds. Desired Resolution : Immediate review of the {$50000.00} wire transfer sent on XX/XX/year>. Verification that XXXX XXXX investigation XXXX has been closed. Immediate release of the {$50000.00} associated with XXXX XXXX. Written confirmation that the funds have been released. A written explanation regarding any continued hold. Sincerely, XXXX XXXX XXXX XXXX Owner, XXXX 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 explanation
Consumer complaint received 2026-06-17 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: TX

Complaint narrative:
purchase on credit card not aware of transaction, recieved letter stating i was late on payment fraud purchase made XX/XX/XXXX letter was received on XX/XX/XXXX .. called wells fargo ,. they at time said they would look into this called them XX/XX/XXXX said they have stopped with investigation i was responsible for charge called business the carge was made with had no rcord of puchase in my name and i did not have account with them. wells also said they would send me a new never received this also they said they did not have my correct address if so how did they get the letter in XXXX? they wells opened a new card and charged that new card with balance owed on old card i never activated new card how can they legally transfer to card never received nor activated they also continue to add late fees

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding funds that continue to be held by Bank of America. My name is XXXX XXXX XXXX XXXX, owner of XXXX XXXX XXXX. A wire transfer was sent from the XXXX Bank account of XXXX XXXX XXXX to a Bank of America account belonging to XXXX XXXX XXXX, account ending in XXXX. After the wire transfer was sent, XXXX Bank initiated a recall request. However, XXXX Bank subsequently completed and closed its investigation and confirmed that it no longer has any claim to the transferred funds. The TD Bank investigation number is XXXX. Despite the fact that XXXX Bank has closed its investigation and no longer claims the funds, Bank of America continues to hold or freeze the funds associated with this wire transfer and has not released them to General Power Supply. I respectfully request that Bank of America immediately review this matter, verify with XXXX Bank that investigation XXXX has been closed, and confirm that there is no outstanding claim against the funds. If there is no legal, regulatory, or contractual basis for maintaining the hold, I request that the funds be released without further delay. I also request a written explanation detailing the specific reason the funds remain frozen, the legal authority supporting the continued hold, and the steps required to resolve this matter. I am attaching supporting documentation showing that XXXX Bank has closed its investigation and no longer claims the funds. Desired Resolution : Immediate review of the wire transfer and hold status. Verification that XXXX Bank investigation XXXX has been closed. Immediate release of the funds if no valid claim exists. A written explanation regarding the continued hold and any actions required to resolve the issue. " The wire transfer is identified by IMAD number XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I financed a Mattress Firm purchase of {$2700.00} through a Synchrony Bank credit account under a XXXX-month deferred interest promotion at XXXX % APR. On XX/XX/XXXX, I made an additional Mattress Firm purchase of {$320.00} under a XXXX-month deferred interest promotion at XXXX % APR. My required minimum monthly payment was approximately {$69.00}. To pay off the larger promotional balance before the expiration date, I established automatic payments of approximately {$110.00} per month and consistently made those payments throughout the promotional period. I believed that my payments were being applied in a manner that would allow me to satisfy the larger promotional balance before its expiration. However, because payments were allocated among multiple promotional balances, the XX/XX/XXXX promotional balance was not fully paid by the expiration date. Approximately {$400.00} remained outstanding when the XXXX-month promotional period ended. As a result, Synchrony assessed approximately {$1500.00} in deferred interest, increasing my account balance to approximately {$1700.00}. I first became aware of this issue when I reviewed my account balance on XX/XX/XXXX. Upon discovering the deferred interest charge, I immediately paid the remaining principal balance associated with the promotional purchases, leaving only the deferred interest charge in dispute. On XX/XX/XXXX, at approximately XXXX XXXX, I contacted Synchrony Bank and spoke with XXXX XXXX XXXX, XXXX and XXXX. I explained that I had consistently paid approximately {$110.00} per month, significantly more than the required minimum payment, and requested a XXXX adjustment or exception due to the relatively small remaining balance that triggered approximately {$1500.00} in deferred interest. Both representatives denied my request because the promotional period had expired. I understand that deferred interest promotions may be permitted under the account agreement. However, I am requesting a review of whether Synchrony 's disclosures regarding multiple promotional balances, payment allocation practices, and the risk of triggering deferred interest were sufficiently clear for a reasonable consumer to understand. Despite making consistent payments above the required minimum for the duration of the promotion, I did not understand that the allocation of those payments among multiple promotional balances could leave the earlier promotional balance unpaid and result in approximately {$1500.00} in retroactive interest charges. I am requesting that Synchrony review this matter and consider a XXXX adjustment, exception, partial reversal, or other equitable resolution of the deferred interest charge.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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