vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: KY

Complaint narrative:
On XX/XX/XXXX, I opened a CareCredit account for a {$5000.00} dental procedure under a no interest for XXXX years promotion as represented by the provider. I later discovered the account included deferred interest terms that were not clearly explained, along with credit insurance charges that I did not knowingly authorize. I previously contacted the company to have these charges removed, and they were taken off, but similar charges were later added again without my consent. Despite making payments, my balance increased. After the promotional period, deferred interest was added, increasing my balance from approximately {$3300.00} to over {$9000.00}. I submitted a formal dispute by certified mail in XX/XX/XXXX, which was later confirmed as received and under review. However, during the dispute process, interest, late fees, and negative credit reporting continued. This situation has caused financial hardship. I am requesting removal of deferred interest, refund of unauthorized charges, correction of my account balance, and removal of negative credit reporting.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Product : Debt Collection Issue : Attempts to collect debt not owed/ Continued attempts to collect debt without validation Company Information : Lloyd & McDaniel , PLC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint : I am filing this complaint against Lloyd & McDaniel , PLC regarding their attempts to collect an alleged debt on behalf of XXXX XXXX, XXXX. I previously disputed this debt and requested proper validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the company failed to provide sufficient documentation to validate the debt. Specifically, they did not provide : - A copy of the original signed agreement or contract - Documentation showing their legal authority to collect on behalf of the original creditor - The chain of assignment of the debt, if applicable - Proof that they are licensed to collect debt in the State of XXXX Instead, they provided only a payment history and balance information, which does not meet the legal requirements for debt validation. Despite failing to properly validate the debt, Lloyd & McDaniel , PLC has continued collection efforts. Their continued communication without proper validation constitutes harassment and is a violation of the FDCPA. I have formally requested that they cease all communication and collection activity until proper validation is provided, but they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A loan account from XXXX XXXX XXXX XXXX XX/XX/year> appeared on my credit report that I did not authorize and have no knowledge of. I did not apply for or sign any agreement for this loan. I disputed this account with Experian and requested verification, including a copy of the original signed contract and any documentation showing that I authorized this loan. Experian responded that the account was verified but did not provide any actual documentation or proof bearing my signature. This account is not valid, and I believe it may be the result of fraud or identity theft. Experian failed to conduct a reasonable investigation. I am requesting that this account be removed from my credit report or that proper documentation be provided showing that I authorized this loan.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Against : Chase Product : Mortgage Issue : Loan servicing Loan assumption / removal of co-borrower Complaint Summary : I am filing a complaint regarding the prolonged and unresolved handling of a loan assumption request on my mortgage. Despite more than a year of consistent effort, repeated document submissions, and clear qualification, the process has not been completed, and I have received no meaningful resolution. The mortgage is currently in both my name and my former partners name. Following our separation in XXXX, I contacted Chase and was advised that I could apply for a loan assumption to remove him from the loan. I have since been solely responsible for all mortgage payments for over XXXX years. I have provided a fully executed buyout agreement signed by my former partner, along with all requested financial documentation. I have stable employment of over XXXX years, substantial financial assets ( including savings, retirement accounts, and other properties ), and all of my mortgage obligations are current. There is no clear or justifiable reason for the continued delay or lack of decision. Details of the Issue : I initially applied for the loan assumption in XX/XX/XXXX. Since then, I have experienced repeated and excessive requests for documentation, including multiple submissions of the same materials ( W-2s, tax returns, pay stubs, account statements, and proof of payment on other properties ). Each time I comply promptly, the file remains in underwriting for extended periods, only for updated versions of the same documents to be requested again. After approximately XXXX months of this cycle, my application was closed in XX/XX/XXXX, with the claim that I had not provided required documentationdespite my consistent and timely submissions. I restarted the process in XX/XX/XXXX, and the same pattern has continued : XX/XX/XXXX : Submitted initial documentation XX/XX/XXXX : Responded same day to request for additional information XX/XX/XXXX : Told file had only recently entered underwriting ; XXXX day estimate XX/XX/XXXX : Still in underwriting XX/XX/XXXX : Submitted updated documents same day as request XX/XX/XXXX : Still in underwriting XX/XX/XXXX : Submitted additional requested documents on XX/XX/XXXX XX/XX/XXXX : Still in underwriting ; escalation team unable to assist XX/XX/XXXX : Submitted yet another set of updated documents same day As of XX/XX/XXXX, I have not received a decision, a clear explanation of outstanding requirements, or a defined timeline for resolution. This situation has caused significant and ongoing frustration, unnecessary administrative burden, and uncertainty. I have spent over a year repeatedly submitting the same documentation with no progress. I continue to carry a joint mortgage with a former partner despite having a signed buyout agreement and sole responsibility for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
made a deposit at PNC on XX/XX/year> on XX/XX/year> was told by the bank funds were on hold for XXXX days on XX/XX/year> was told by bank an additional XXXX day hold was placed on the deposit they verified with the person who wrote the check on another local bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am submitting a complaint regarding the assessment and handling of over {$500.00} in late fees on my auto loan account, as well as the lack of transparency in how my payments were applied. Over multiple months, I made payments above my base monthly payment of {$930.00}, often paying amounts in the $ XXXX range. When making these payments through the companys system, I was presented with a minimum payment amount that included both my regular payment and applicable late fees. Based on this, I reasonably believed that my payments were being applied to bring my account current, including any late charges. However, I was later informed that my payments were applied to principal instead of late fees, which allowed late fees to continue accumulating. This resulted in a balance of over {$500.00} in late fees. When I requested clarification, I was provided with a transaction history showing {$0.00} applied to late fees. Additionally, I have documentation provided by the company that reflects no late fees being applied, which directly contradicts the claim that I owe a substantial late fee balance. I repeatedly requested a clear, itemized breakdown of how these fees were calculated and how my payments were applied, but the company has refused to provide this information in writing. During a phone call with their representatives and a supervisor, I received inconsistent explanations regarding payment allocation, including statements that payments default to principal unless otherwise specified, and incorrect assumptions about how I made payments. When I clarified that I relied on the payment amount presented by their system, the representative was unable to provide a clear explanation, and the call was disconnected before the issue was resolved. Since then, the company has continued to refuse to provide a written explanation and has insisted that I call them instead, despite my request for documentation. I have made good faith efforts to meet my payment obligations, including making a recent payment on time to remain current. However, the lack of transparency, inconsistent explanations, contradictory documentation, and refusal to provide written clarification have made it impossible to verify the validity of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Sofi is intentionally altering settings in my account without approval and has now unlinked accounts to make deposits harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
" I am disputing the collection account from Caine & Weiner regarding an alleged debt with XXXX for {$1800.00}. No Proof of Debt : I have no record of an outstanding balance with XXXX and have not been provided with any itemized statement or contract that validates this amount. Verification Failure : Despite the 'Account information disputed by consumer ' remark appearing on my credit report as early as XX/XX/year>, the collector has failed to provide sufficient evidence that I am the responsible party for this specific amount. Inaccurate Reporting : This account is being reported as 'Open ' with '100 % left to pay, ' which is damaging my credit daily while the debt remains unverified and disputed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened a Chime account in XXXXXXXX XXXX after seeing an advertised {$350.00} direct deposit sign-up bonus. The promotion stated that I would receive {$100.00} for a qualifying direct deposit of {$200.00} or more within the first 30 days, another {$100.00} for a qualifying direct deposit of {$200.00} or more during the following 30 days, and {$150.00} for a qualifying direct deposit of {$200.00} or more during the final 30 days. I timely completed the required qualifying direct deposits from my employer. After the first qualifying direct deposits posted and no bonus was paid, I contacted Chime in early XX/XX/year>. The customer service representative reviewed my account and told me I had met all qualifications and simply needed to wait XXXX more weeks for payment. I waited approximately XXXX weeks and still received no bonus, while continuing to receive additional qualifying direct deposits of {$200.00} or more from my employer. I contacted Chime again and was once more told that I had met the qualifications. The matter was then escalated to a manager, who stated I met the requirements and they would do a manual override for the bonus. I was disconnected while on hold. I then called back once more and escalated again to another manager that said I had missed a requirement to activate my debit card in time. This explanation was incorrect. I activated the debit card immediately on the day it was delivered. Any delay was due to the timing of Chime shipping the card or the XXXX delivering, which was outside of my control. After I explained this, I was told Chime could override the issue and manually pay the bonus, but the call was disconnected while I was placed on hold. When I called back, another XXXX stated there was no way to manually pay the bonus, contradicting the prior representative. Chime has given inconsistent explanations, acknowledged that I met the qualifications, and then refused to honor the advertised promotion. I am requesting that Chime honor the {$350.00} promotional bonus I qualified for, or provide a clear written explanation with the exact promotion terms and evidence showing why I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I am filing this complaint regarding fraudulent activity and the denial of my dispute by Citizens Bank. On or around XX/XX/XXXX XXXX, I was contacted by individuals falsely impersonating representatives of Citizens Banks fraud department . They informed me that my account was compromised and instructed me to take urgent action to secure my funds. During this interaction, I was provided with what appeared to be a legitimate verification code and was convinced that I was speaking with authorized bank personnel. Based on these false representations, I was manipulated into authorizing multiple XXXX transfers starting on date XX/XX/XXXX and ending with date XX/XX/XXXX totaling approximately {$19000.00}. I had 3 claims and Citizens bank denied all 3 stating that I authorized transactions. I reported to local police enforcement as well as FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/2026, I initiated a wire transfer in the amount of {$21000.00} from my account at XXXX XXXX to a Wells Fargo Bank account ending in XXXX. The wire instructions listed the beneficiary name as XXXX XXXX XXXX and the beneficiary address as XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. The memo line stated " money to myself. '' I had been led to believe through fraud that the receiving account was my own. I have since been informed that the receiving Wells Fargo account is NOT held in my name and is NOT associated with my address. Despite this name and address mismatch, Wells Fargo accepted and credited the wire to the account. Two days after the wire, my XXXX account was temporarily restricted, which I was told related to the receiving bank. I subsequently learned that the Wells Fargo receiving account was also restricted, but Wells Fargo has refused to tell me when the restriction was placed or whether the funds remain in the account. On XX/XX/2026, I initiated a wire recall request through XXXX. Wells Fargo has not substantively responded to the recall request or to my direct inquiries about the account status. I have filed a police report with the XXXX XXXX Police Department regarding the initial scam. The case number is XXXX. I filed with the OCC and FTC, as well as an IC3 report. The IC3 report is attached below. I am asking the CFPB 's assistance in obtaining the following from Wells Fargo : ( 1 ) written confirmation of whether the beneficiary name and address on the wire matched the account holder of record when the wire was accepted ; ( 2 ) the date the receiving account was restricted and the reason ; ( 3 ) whether the wired funds remain in the restricted account; and ( 4 ) a formal response to the pending recall request. Given the documented name and address mismatch, I believe Wells Fargo accepted a misdirected wire transfer under UCC Article 4A-207. I am requesting that Wells Fargo return the funds to my originating 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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to a Chase branch to open a bank account and was initially treated in a hostile and discriminatory manner by a representative. The employee raised their voice, spoke aggressively, and treated me differently from another customer who was assisted ahead of me. Due to this conduct, I was unable to properly complete the account opening process until I escalated the situation to a supervisor. Only after escalation was the account opened. I should not have had to endure hostile or unequal treatment in order to receive basic banking services. I filed a complaint with Chase Bank, and they denied any compensation or meaningful resolution. I am requesting a formal investigation and appropriate compensation for the treatment I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Product : Credit card Issue : Billing dispute / Unauthorized charges Company : Concord Credit Complaint : I am filing this complaint regarding ongoing monthly fees and credit protection charges applied to a Concord Credit account that I attempted to cancel immediately after approval a year ago. Upon being approved for the account, I reviewed the terms and noticed that it included monthly fees. I immediately requested cancellation of the account. Despite this request, the account was not properly closed. Since that time, I have been charged approximately monthly fees, credit protection fees and interest charges on these fees for the past 12 months on a card that I never made a single purchase on. I have never activated this card, never used it, and have not made any purchases. I also did not knowingly consent to enrollment in any credit protection product. These charges are unauthorized and represent improper billing on an account that should have been closed. Continuing to assess fees under these circumstances is unfair and raises serious concerns about deceptive practices and unjust enrichment. In addition to the financial loss, I have spent time and effort addressing this issue and have experienced unnecessary stress due to ongoing charges on an account I attempted to cancel immediately. I am requesting the following resolution : - Immediate closure of the account - A full refund of all monies I paid on this card - Additional compensation of {$250.00} for the time, inconvenience, and improper handling of this account - Written confirmation that no negative information has been reported to any credit bureau ; if any has been reported, it must be removed immediately I request that the company provide a clear explanation of : 1. Why the account was not closed when cancellation was requested 2. What evidence exists that I activated or used the account 3. What authorization exists for the credit protection charges I am prepared to provide supporting documentation, including account statements, upon request. This matter should be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief