vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Product Credit card Company Goldman Sachs Bank USA XXXX Apple Card ) Complaint Summary ( short field ) Goldman Sachs improperly denied my Apple Card dispute by relying on invalid merchant-provided tracking that does not prove delivery. I never received the merchandise, and no legitimate proof of delivery exists. I am requesting correction under the Fair Credit Billing Act. 

What happened? ( long narrative field ) I am submitting this complaint regarding Goldman Sachs Bank XXXX handling of my Apple Card transaction dispute, Case Number XXXX. 

I disputed a charge of {$88.00} dated XX/XX/year>, associated with a merchant appearing on my statement as XXXX ( operating publicly as XXXX ). The merchandise was never received. 

Goldman Sachs denied my dispute, stating that the merchandise had been delivered or the service provided. This determination is incorrect and unsupported by valid evidence. 

The merchant did not provide proof of delivery. Specifically : No signature confirmation No delivery photograph No confirmation of delivery to my address No tracking number from a legitimate carrier ( XXXX, XXXX, XXXX, XXXX ) Instead, Goldman Sachs relied on tracking information generated by a generic third-party website ( XXXX  ), which is not an actual shipping XXXX and does not verify delivery to a recipient. This site merely displays indefinite in transit or vague location updates and is commonly associated with e-commerce fraud schemes. 

Additionally, the merchant name on my statement ( XXXX ) does not clearly correspond to the storefront ( XXXX ), which is a known indicator of merchant-of-record fraud and should have prompted heightened review rather than acceptance of unsupported merchant claims. 

Under the Fair Credit Billing Act and Regulation XXXX, a charge is disputable when goods are not received as agreed. A merchants claim of shipment without verifiable proof of delivery does not satisfy this requirement. 

Goldman Sachs reversed my provisional credit without requiring the merchant to demonstrate actual delivery, thereby placing the burden improperly on me rather than on the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Fraud transaction XXXX Credit card. 
Issue has been resolved. 
Late payment is reported to Credit bureau should be taken off.

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
On XX/XX/XXXX I submitted my application for PSLF and requested deferment while the application was being reviewed. I allowed the five week timeframe for the review process to pass before I contacted the PSLF call center line on XX/XX/XXXX. The representative I spoke with stated my application was still in review and would be escalated and to allow five to seven business days for a call back. I allowed 10 business days not including the holiday or weekends before I contacted the PSLF call center line again. The representative on that call stated my application was still in review and I would need to wait an additional three weeks before I could possibly have a resolution. I submitted to the ombudsman via online link and received a response that my application was missing information and couldn't be processed. I asked specifically what inf was missing and received a response that all the years I was submitting for review of my PSLF were missing. The email stated I would need to submit all ten years of employment I wanted considered for my PSLF qualifying time. On XXXX second XXXX I sent hard copies of my PSLF application, all W-2 's for the years XXXX through XXXX. My current paystubs for all of XXXX. My employee data report provided by XXXX XXXX XXXX via the link on the United States Postal Service XXXX page and the phone number and employer ID code. As well as a current Notice of Personnel Action showing the Enter on Duty Date if XX/XX/XXXX. On XX/XX/XXXX I received an email stating that I needed to submit supporting documents for the PSLF time frame I wanted considered and a PSLF application that did not have my signature in the Verify Officer section. All my PSLF application was completed via XXXX XXXX and the only portion completed were my personal information and employer information. The only signature was my personal signature in the area that it was required. On XX/XX/XXXX I contacted the PSLF call center and was advised that there were no supporting documents submitted with my hard copy of the PSLF application and if there were the Department of Education has three to five weeks to process them. I was allowed 40 days to submit supporting documents so I sent them via XXXX  version on the FSA My Activity link provided in the email I received. The application from XX/XX/XXXX and XX/XX/XXXX are still both In Review status and no contact has been initiated from the Department of Education all contact has been initiated by me personally. I have continued to make the monthly payments required despite requesting to be placed on deferment while my application/s were/are being processed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 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: PA

Complaint narrative:
Product : Credit card Issue : Fraud / Identity theft / Billing dispute Company : Wells Fargo Complaint Description : I was the victim of unauthorized credit card transactions totaling over {$10000.00} on my Wells Fargo credit card. The fraud was reported immediately and has been under investigation for over XXXX months. 

Despite this active fraud investigation, Wells Fargo continues to report my account as past due, charge interest and fees on fraudulent transactions, and has caused my XXXX XXXX to drop by more than XXXX points. 

This conduct violates the Fair Credit Billing Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). I am not responsible for fraudulent charges, and Wells Fargo is required to suspend interest and prevent negative credit reporting during the investigation. 

I have contacted Wells Fargo multiple times, but the issue remains unresolved.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this as a follow-up complaint regarding Capital One Auto Finances handling of a formally disputed auto loan. 

On XX/XX/XXXX, Capital One Auto Finance received my formal written dispute by fax, after Capital One representatives stated that fax is the only method available to submit written disputes. Proof of successful fax delivery is attached.

The dispute concerns an auto loan for a XXXX XXXX XXXX XXXX that became inoperable within 24 hours of purchase, rendering the vehicle unmerchantable. I provided Capital One with documentation showing immediate mechanical failure, repeated failed repair attempts, and prior written notices to the seller.

Despite receiving notice of the dispute, Capital One has refused to conduct a reasonable investigation, has stated that it can not assist, and has continued to demand payment on the account. Capital One has also attempted to shift responsibility entirely to the dealer, despite being the assignee and creditor on the loan.

Capital Ones actions constitute a failure to properly investigate a disputed account and raise concerns regarding compliance with federal consumer protection requirements governing dispute handling, accuracy of servicing, and collection activity during a dispute.

I am requesting : 1. Supervisory review of Capital One Auto Finances handling of my dispute 2. A written explanation of the legal basis for refusing to investigate 3. Confirmation that collection and credit reporting will not continue without a reasonable investigation 4. Correction of any inaccurate account reporting related to this dispute Supporting documentation, including the fax confirmation, dispute summary, and prior regulatory complaints, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am submitting this complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for failure to properly investigate and permanently reverse an unauthorized transaction, in violation of the Fair Credit Billing Act. 

On XX/XX/XXXX, my Apple Card account was charged {$910.00} for an airline ticket purchase from XXXX  XXXX XXXX. This transaction was not authorized by me. At the time the charge occurred, I was at work, and I immediately reported the transaction to Apple Card as fraud. 

Despite my prompt report, my fraud claim was declined on XX/XX/XXXX. I appealed this decision, yet the charge was later re-posted to my account. 

On the same day the charge was reapplied, I contacted XXXX  XXXX XXXX directly in an attempt to obtain ticket details. The airline informed me that they were unable to locate any ticket under my name or my Apple Card number, and stated that the ticket was purchased at a XXXX  XXXX  airport. I provided Apple Card with a conversation transcript confirming the airline could not find any associated ticket. 

To support my fraud claim, I also submitted : - A time card showing I was at work when the charge occurred - Confirmation that I do not possess a physical Apple Card - Confirmation that all of my legitimate transactions have always been made using XXXX Pay Despite this evidence, Apple Card has failed to provide any proof that I authorized this transaction. They have not provided a passenger name, boarding confirmation, IP address, signature, or any documentation linking me to the airline ticket. The only documentation provided was a billing statement, which does not constitute proof of authorization. 

As of XX/XX/XXXX, Apple Card has again charged my account for this same fraudulent transaction, still without providing any actual proof of purchase or authorization. 

Under the XXXX XXXX XXXX  XXXX  ( 15 U.S.C. 1666 ), I am not liable for unauthorized charges, and the card issuer is required to conduct a reasonable investigation before re-posting any disputed amount. Goldman Sachs Bank USA has failed to meet these obligations and has repeatedly charged me for a transaction that the merchant itself can not verify. 

I am requesting that the CFPB require Goldman Sachs Bank USA to : XXXX. Permanently reverse the unauthorized {$910.00} charge XXXX. Correct my account balance and ensure the charge is not re-posted again XXXX. Provide a written explanation of how this charge was determined to be authorized despite the lack of evidence Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX Maryland

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
I am the seller of a home that has been trying to have my FHA mortgage rate assumed by a qualified buyer from the provider ServiceMac Llc so I can sell the house. It is going on over five months and the provider ServiceMac is extremely difficult to communicate with or get any results from. It took them over a month to send me the requested forms needed to start the process. Since then they do not return calls or emails for days or even weeks at a time. When they do they just tell you they are busy or need a copy of a document that has already been sent 2 or 3 times. One representative even suggested I just " re-fi my mortgage instead of selling my home '' months into the assumption process. After filing a complaint to the XXXX I was contacted by another representative and told the loan is now with an " investor '' not associated with them and it was no longer their responsibility. She let me know that I just have to wait for a response and no time frame could be given. This is an FHA loan I simply want to transfer the mortgage rate to a qualified buyer as it is supposed to be assumable. I have the impression ServiceMac is in no way capable or even worse willing to transfer the mortgage rate. I sent an email last week to the representative from their company and it still hasn't been responded to. If you can find a way to help in the process that would be greatly appreciated as I feel I have been held hostage for or over 5 months with no end in sight. Anything you can do would be appreciated.

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 2026-01-12 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: BILL.COM, LLC
State: SC

Complaint narrative:
Bill.com / XXXX XXXX  I am writing to formally dispute the outstanding balance of {$420.00} currently being reported on my XXXX XXXX account. 

I was issued a credit limit of {$2000.00} ; however, I was only able to successfully spend approximately {$48.00}. Most attempted transactions were repeatedly blocked by the card issuer, rendering the card largely unusable. Despite this, my account balance has increased significantly due to added fees, shipping charges, and interestcharges I do not believe are justified given the limited and restricted use of the card.

At no point was I made adequately aware that these fees would accrue under these circumstances, particularly when the transaction blocks were outside of my control. As a result, the current balance does not accurately reflect my actual card usage.

Additionally, I am currently experiencing financial hardship, which makes repayment of disputed fees and interest extremely difficult. I am requesting the following : 1. A full itemized statement explaining how the {$450.00} balance was calculated 2. Reversal of all fees, interest, and charges beyond my actual spending, life credit card debt as well. 
3. Adjustment of the balance to reflect legitimate usage only I am willing to resolve any valid charges fairly, but I am not willing to pay fees and interest resulting from card restrictions that made the account unusable. I am currently experiencing hardship.

Please treat this as a formal dispute and hardship request. I ask that this matter be reviewed and escalated as needed. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The XXXX Standby Cash account offers funds in case of emergencies. They offer the option to schedule monthly payments or make payments on your own. I set up the account on monthly payments when I initially took out the money on XX/XX/XXXX. I took out the entire {$100.00} from the standby cash account and immediately wanted to pay it back because I had received a transfer from another institution. I could not pay it back on the day I withdrew the funds, there was no option for this. I continued to stay on the monthly payments ( although I had not made a payment yet ). On XX/XX/XXXX I scheduled a payment of {$34.00} to reduce the total amount owed, as I did not want to carry the entire balance which could affect my credit score. After making this payment, I started receiving emails from credit monitoring agencies and my credit card companies stating that an account that I had was over the limit. What Huntington had done was applied a {$1.00} interest charge to my account but did not accept the payment. This resulted in a drop in my credit score and I am waiting on any other further damage this could do to my credit. I spoke with a representative of the institution and intitiated a complaint as well as a request to correct my credit information. I don't believe Huintington Bank is a bad company, but I do want consumers to understand that this is a very problematic product the company is offering and I do not believe they are aware or are willing to acknowledge this as a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have had a GM credit card since I was XXXX XXXX XXXX and recently, that card was acquired by Barclays XXXX. When I tried to create a user ID and password using my credentials, I got an error that said a user id already exists. When I recovered that user id, it was my husband 's user id to his credit card ( a different card that Barclays acquired ). I tried to log in to see if both accounts were visible and they weren't. I called their customer service number to get this addressed in XXXX and they said they were going to waive the late fee, take the payment and then get this fixed. That never happened and I've been charged late fees since I keep trying to create an account so I can schedule the payment in advance and keep getting the same error message. Calling their customer service number, they suggest a different browser, incognito, etc, when the issue is that my account is tied to his account somehow even though they are individual accounts. How many other people are having the same issue and missing payments and getting charged {$41.00} in late fees because they refuse to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
An insurance payout from XXXX in the amount of {$16000.00} was deposited to my checking account on XX/XX/year> via mobile app. They gave me no reason as to why a hold was put on it and or why the request to release the hold was denied.

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 2026-01-12 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I requested that Synchrony deduct two ( 2 ) payments to bring the monthly payments current and they deducted the entire balance owed on the Care Credit card from my checking account. Several days later I received a letter stating that my account was closed on XX/XX/year> after the XXXX XXXX XXXX monthly payment for the entire card balance was deducted from my checking which created a financial and medical hardship.

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off / Adverse Accounts XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} These accounts are being disputed due to inaccurate reporting, inconsistent balances, and/or lack of proper verification. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries and request verification or removal. 

Late Payment Reporting XXXX XXXX Account No : 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 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
My concern is the legality of charging nearly XXXX % of the loan amount in interest. I have been making timely payments etc but wonder if this is legal in the state of XXXX. I am coming up on the last year and a half of the term. For a XXXX year term I will have paid XXXX on a XXXX Loan.

Company response to consumer: Closed with explanation