vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding the closure of my PayPal Credit account issued by Synchrony Bank ( account ending in XXXX ), which was based on returned payments that were caused by a documented third-party bank error, not by insufficient funds or failure to pay. This account had been in good standing for approximately XX/XX/1415 years, with no prior history of missed or returned payments. I also maintain multiple other accounts with Synchrony Bank that are in good standing and have no history of returned payments. In XX/XX/year>, XXXX payments to my account were returned : A {$200.00} payment due on XX/XX/year> ( returned ; fee assessed on XX/XX/year> ) A {$200.00} payment due on XX/XX/year> ( returned ; fee assessed on XX/XX/year> ) These payments were not returned due to insufficient funds. They were caused by a stop payment placed in error by my bank, XXXX XXXX. XXXX XXXX has confirmed in writing that : The stop payment was applied and reapplied in error The returned payments were caused solely by this error The returned payments were not due to insufficient funds or customer action Despite this, Synchrony Bank : Closed my PayPal Credit account on XX/XX/year> based on these returned payments Treated these events as negative payment history Subsequently denied me credit on XX/XX/year> citing unsatisfactory payment history These actions were taken without properly accounting for the confirmed bank error that caused the returned payments. I contacted Synchrony Bank after the account closure to explain that the returned payments were the result of a bank error and requested reconsideration. However, I was informed that the account could not be reopened, and no meaningful review of the documented error was conducted. Additionally, this account may be associated with both my maiden name ( XXXX ) and married name ( XXXX ). Please ensure that all records under both names are reviewed as part of this evaluation. Given my long-standing positive payment history, including across multiple Synchrony accounts, the decision to close my account and deny credit based on payments that were not my fault reflects an incomplete and inaccurate evaluation of my 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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I am filing this complaint against Lendmark Financial regarding the servicing of my auto loan. I notified my lender that I was experiencing financial hardship and could no longer afford my monthly payments. I requested a voluntary repossession as a possible resolution ; however, I was advised that I should instead attempt to refinance the loan and was given until XX/XX/XXXX to find a buyer for the vehicle. I successfully secured a buyer and submitted the offer via email to my lender, but I did not receive a response or any follow-up. After this, communication from the lender became inconsistent and delayed. Approximately XXXX month later, I was summoned to court on XX/XX/XXXX regarding the account ; however, the case was ultimately dismissed and no resolution was provided. Following this, I continued to contact the lender seeking a resolution. I was informed by the representative handling my account that they were still awaiting guidance from upper management. This has continued for over a month without a clear resolution or update. At this time, I am not attempting to avoid responsibility for the loan. I am requesting a reasonable resolution, such as a minimal payment plan or a structured solution that allows me to surrender the vehicle. I feel that the lack of communication and delay in responses has made my situation more stressful and difficult to resolve. I have retained documentation of all communications and correspondence regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX not repeating myself. I opened case XXXX ... and wells Fargo clowns called me, and said they cant find any accounts associated with my phone number. Three times this week. Today, yesterday, and Wednesday this happened. This banks a XXXX joke. I wish i never signed up with such an unprofessional garbage bank. Wasting my XXXX time just to give u morons money. Ive never dealt with such a high level of incompetence, while banking with ANY BANK IN THE LAST XXXX YEARS. THESE XXXX SET THE STANDARD FOR WORST BANK ON EARTH.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Summary of issue : PayPal Inc. has imposed a XXXX XXXX rolling reserve on my business account and restricted full access to incoming funds. While the account remains active, a significant portion of processed revenue is being withheld on an ongoing basis without a clearly defined end date or transparent, individualized risk explanation. Business Context ; My business operates in the construction and installation sector, providing impact window and door solutions. Transactions are contract-based, project-driven, and fulfilled through scheduled installations with defined delivery milestones. Revenue is generated through legitimate customer contracts tied to completed or in progress work, not speculative or high-risk activity. Operational performance indicators : No chargebacks have ever been filed against PayPal account. No payment disputes have been recorded. Transactions are based on signed customer contracts with defined fulfillment terms. At least one transaction processed on XX/XX/XXXX has been fully fulfilled, including completed installation and satisfied customer obligations. Additional projects are also being executed and completed as agreed. Impact of the restriction : The XXXX XXXX rolling reserve is materially impacting working capital and operational continuity by limiting access to funds required for : Materials procurement Labor and payroll obligations Ongoing project scheduling and fulfillment This structure creates unnecessary financial strain despite demonstrated fulfillment performance and absence of dispute history. Attempts to resolve : I have contacted PayPal support regarding this restriction but have not received a clear written explanation tied to specific contractual provisions, nor a defined set of measurable criteria or timeline for reserve reduction or release. Responses have been general in nature and do not address the underlying basis for the continued withholding of funds. Closing Statement : Based on actual account performance-zero chargebacks, zero disputes, and verified fulfillment of completed transactions-the current reserve structure does not appear aligned with realized risk. I am requesting a transparent review and adjustment consistent with documented operational behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I was charged for a product, and it was never authorized or approved by me. I have filed a complaint with Goldman Sachs and the Apple Card ; they keep reversing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CA

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
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
XXXX XXXX we purchased a new house, and escrow account is handled by XXXX XXXX XXXX XXXX XXXX XXXX We received escrow account statement stating that our property tax estimate XXXX and we need to increase our monthly payment by 183%, almost double. \n\nwhile XXXX property tax is XXXX I sent an email "Notice of Error" explain the situation to XXXX (the only email address they provided). Explained our property tax of XXXX is only XXXX why they charge XXXX \n\nI then had a followed up a call immediately.XXXX Called their tax department XXXX the XXXX representative wasn\'t able to see email I sent, she said she didn\'t have authority, then they transition me to supervisor, the supervisor finally recognize it\'s a mistake that we are over charged almost 400% higher than it should beXXXX XXXX I asked why they made such mistake, they can\'t explain but agree to file a case to investigate.XXXX I asked to have correct statement to send to me immediately in order to make payment on time by XXXX Then I was transferred to Escrow Account department\XXXX Escrow Account depart said they can\'t make change and it takes them about XXXXweeks to make correction after tax department make correction. I said my payment due day is in XXXX business days, can you handle this as special case? Answer is NO, they can\'t do anything.\XXXXMy problem with this ServiceMac, LLC is that XXXX They made mistake but not able to explain why it happened.XXXX. It took them XXXX days to inform borrower. XXXX No clear procedure to help borrower get update statement to make payment on time.XXXXI don\'t know if I will trust this company to handle my escrow account. It got to have investigation to check if they charge other borrowers inaccurately. They should be out of business.'

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 2026-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Debt collector keeps calling me about an account that I'm clueless about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete reporting of a collection account by Midland Credit Management and the verification of this account byXX/XX/XXXX On XX/XX/scrub>, 2026, I sent a written request for validation of the alleged debt to XXXX XXXXXX/XX/XXXXThis request was received and signed for on XX/XX/scrub> 2026. To date, I have not received any documentation validating this debt. Despite receiving my validation request, the account was reported and/or updated on my credit report on XX/XX/scrub> 2026. Additionally, the account was not properly marked as disputed after the collection agency received my written dispute. I subsequently disputed this account withXX/XX/XXXX. However, XX/XX/XXXX reported the account as verified without providing any documentation or evidence that a reasonable reinvestigation was conducted. At this time : The collection agency has failed to provide validation of the debt The account has been reported and updated after receipt of my dispute The account may not have been properly marked as disputed The credit bureau has verified the account without adequate investigation I am requesting that this account be deleted from my credit report due to inaccurate and incomplete reporting, and failure to comply with the Fair Credit Reporting Act. I have attached supporting documentation, including proof of delivery of my validation request. Requested Resolution : Removal of the collection account from my credit report and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
TD Auto Finance repossessed my XXXX XXXX XXXX on XX/XX/XXXX in XXXX Since the repossession, my TD Auto Finance online account is unavailable, so I can not access notices, account history, payoff information, redemption information, reinstatement information, secure messages, or documents. I have called TD Auto Finance multiple times. TD has confirmed that there is only one public consumer phone number, no email address, no secure messaging option available to me, no direct repossession/recovery department contact, and no direct escalation contact I can use. On XX/XX/XXXX, I called TD Auto Finance again. The regular representative stated they had zero post-repossession information available and transferred me to a supervisor. The supervisor gave only her first name, refused to provide an employee number or call reference number, and then hung up/end the call without providing the requested information. I have still not been provided whether the vehicle has been sold, the sale date or date after which it may be sold, the redemption amount, reinstatement availability, vehicle location, repo/storage company contact information, fee breakdown, copies of post-repossession notices, or personal property retrieval instructions. This is time-sensitive because the vehicle may be sold, and I can not act on redemption or reinstatement rights if TD does not provide the information or a practical way to receive it. I am also requesting immediate access to retrieve my personal property from the vehicle. My personal belongings are not collateral for the auto loan, but TD has not provided clear instructions for where the vehicle is located, who has it, or how I can retrieve my belongings. I am not refusing to communicate with TD. I am actively trying to obtain post-repossession information, but TD has made my online account unavailable and has not provided another usable way for me to access the documents, deadlines, amounts, or personal property instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: NY

Complaint narrative:
In late XX/XX/year> ( around XX/XX/year> ), I clearly notified the merchant ( XXXX ) that I wanted to cancel and terminate my service. At that time, I also asked about any termination fees. The merchant told me the fee would be {$2000.00} but failed to provide any breakdown or written explanation despite my request. After I canceled the service, I did not use XXXX at all from XX/XX/XXXX onward. I have business records to support that there was no usage after cancellation. Despite my cancellation and revocation of authorization, the merchant withdrew {$1200.00} from my bank account on XX/XX/year> for a new annual fee. Then, on XX/XX/year>, the merchant withdrew an additional {$4400.00} as a termination fee. This amount is significantly higher than the {$2000.00} previously stated and was never properly disclosed, explained, or authorized. I contacted my bank to dispute both transactions and provided supporting evidence, including communication records and proof of non-usage after cancellation. However, the bank denied my dispute after contacting the merchant and reversed the provisional credit. These transactions are unauthorized because : XXXX. I revoked authorization before the charges were made XXXX. The charges were made after cancellation XXXX. The amounts were not clearly disclosed or agreed upon XXXX. The termination fee charged does not match what the merchant previously stated I am requesting a fair investigation under the Electronic Fund Transfer Act ( EFTA ) and a refund of both unauthorized ACH debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I am filing this complaint for bad-faith servicing and refusal to accommodate a documented medical hardship. Following a job loss in XX/XX/year>, I suffered a compounding medical crisis in XXXX when I was discharged by my psychiatrist and transitioned to new medications under a different physician. These medical expenses and the resulting instability have rendered me unable to meet my current financial obligations. On XX/XX/XXXX, I spoke with front-line agent XXXX XXXXXXXX, who refused to escalate my call. I eventually reached XXXX XXXX XXXX XXXX XXXX XXXX, who claimed to be at the XXXX of the XXXX. Despite my actual notice of medical incapacity and recent psychiatric transition, XXXX XXXX denied a XXXX capitalization of arrears ( XXXX ). Even after I declared a formal dispute and requested the legal service address, the supervisor remained indifferent to my medical hardship. Reference number for this interaction is XXXX XXXXXXXX. I am XXXX days from a credit reporting deadline and request an immediate move of the XXXX payments to the end of the loan to prevent predatory reporting while I stabilize my health and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
The bank suddenly closed all my accounts and has refused to give me a specific reason. I have repeatedly requested an explanation, but they only provide generic responses. I did nothing wrong, and I believe this closure was unjustified

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 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credited my account then reversed it without providing the necessary proof. They could not even provide the phone number of the company when I asked. Their calls are recorded. My call was made at XXXX CST

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
I am filing this complaint against Vervent , Inc. regarding an alleged auto loan account they claim was transferred from XXXX XXXX XXXX. I dispute this account in its entirety. On or about XX/XX/year> I sent Vervent a written dispute and request for validation of this alleged debt. In that correspondence, I requested documentation including proof of ownership or servicing authority, a copy of the original signed contract, a complete payment history, and documentation showing any assignment or transfer of the account. I did not receive any response. On or about XXXX XXXX I sent a second written notice through email again disputing the account and requesting validation. Vervent again failed to respond. To date, Vervent has not provided any documentation validating this alleged debt, nor have they demonstrated that they have legal authority to collect. Despite this, Vervent has continued collection activity, including telephone calls, while ignoring my written dispute and request for validation. I have also requested that all communication be in writing, which has not been respected. Additionally, I have never received proper notice that this account was transferred or assigned from XXXX XXXX XXXX to Vervent, which raises serious concerns about the legitimacy of their claim. Vervents failure to respond to my dispute, failure to validate the debt, and continued collection activity appears to violate the Fair Debt Collection Practices Act ( FDCPA ). If this account has been reported to any consumer reporting agencies without being marked as disputed, this may also violate the Fair Credit Reporting Act ( FCRA ). I have made multiple good-faith attempts to resolve this matter directly with Vervent, but they have failed to respond or comply the only email i received back from them was a loan modification saying im approved for that but none of the original paperwork im asking for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Since XXXX XXXX and XXXX and XXXX I've been sending letters trying to remove the account of {$390.00} XXXX already closed it but I have transunion and XXXX still reporting it ruining my credit my credit I have another one of {$91.00} and another one of {$94.00} and I'm trying to close for the {$91.00} account XXXX and XXXX can already closed it but I have XXXX reporting it still and for that {$94.00} have experience reporting it but the other XXXX credit bureaus already closed it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had unauthorized transactions on my account which include the following XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX pay friend unauthorized XXXX XXXX

Company response to consumer: Closed with explanation