vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/year> I went on my synchrony account site and requested increases on a few of my accounts. I got increases on most of them. XX/XX/year> synchrony without a valid reason closed all of my XXXX plus accounts. My accounts were in good standing never made a late payment and in fact always paid off my promo balances before they interest would bloat. I tried to ask why through chat they could not provide a reason. I then called and got that I was a high risk? A good amount of my accounts had XXXX balances then on top of that any of them with balances were always paid on time and promo balances paid on time before they expired. So how am I a high risk? I want all of my accounts reinstated with the balances that were approved just the day before they cancelled them all on me. Mind you not XXXX account XXXX plus accounts that were all 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 explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
These card are through Synchrony BankXXXXXXXX XXXX XXXX XXXX XXXX XXXX Sure I have a low credit score, but due to being a cosignor on a car for my son thru XXXX XXXX ( who reports EVERY month ), creating reduce points. I have a high debt, but my record showed my bills paid on time, to include just last year paying off a car XXXX months early. I have had Lowes Credit Card for at least XXXX years. They reduced the limited in XXXX. Points reduced. Had {$3000.00} limit. They claim on XX/XX/XXXX that a letter was sent out canceling the card. Points will be reduced again. I now just received a letter from them stating my JC Penney card balance is being reduced. Have had just as long, dont use too much. Points will be taken off again. I personally believe this all in retaliation. I also have Sams Card. Back a few months ago, my XXXX sent my payment in, but it was sent to their ( Sams ) XXXX XXXX. Yet the bank kept stating they didnt get it in their credit dept or membership dept. My credit XXXX spoke with a bank employee of theirs and adamantly stated that the trace showed the money was sent after employee tried to say it wasnt shown in any of the depts.. Employee apparently didnt like when my XXXX faxed info in. Took over a month before it was " found '', thus messing up my Sams ' card. I believe they should be " researched, as my granddaughter who also had both cards had hers cancelled. Yet she has almost an XXXX credit score! The bank-initiated closure of credit card accounts adversely affected my credit score by reducing available credit and increasing utilization metrics. My daughter doesnt know it yet, but hers will be also.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC is reporting an alleged collection account on my consumer credit reports with an open balance of {$720.00}. I dispute the accuracy, ownership, and validity of this account. 

The account is being reported as placed for collection and open, despite being formally disputed. LVNV Funding has not provided documentation proving legal ownership of the alleged debt, the original signed contract, a complete chain of assignment, or proof of authority to report this account.

Continued reporting of unverified and disputed information constitutes inaccurate credit reporting and ongoing collection activity in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The impact and toll this has had on me has been overwhelming being denied credit for something I have no knowledge to even be on my record this debt collector has done with the FDCPA prohibits. They furnished this account that I did not sign a agreement on .A Legal contract is signed by XXXX parties and I didn't sign any documents they didn't follow the proper XXXX step validation procedure according to the FDCPA, I'm entitled to compensation for these violations and clearly, they breached my rights and abused my privileges I demand this account be taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
On or about XX/XX/year> I entered into an installment loan with Cherry Technologies in the amount of {$2100.00} to finance services provided by XXXX XXXX. 

Shortly after the transaction, I disputed the underlying service and requested that the financing be addressed accordingly. I contacted Cherry and explained that the service was disputed and requested information regarding cancellation, refund, or correction of the loan tied to the disputed service. 

Cherry declined to unwind or correct the financing and did not provide a meaningful explanation or documentation supporting why the loan would remain valid despite the dispute of the underlying service. I requested clarification and information regarding Cherrys investigation and decision, but Cherry failed to provide adequate supporting documentation or a satisfactory resolution. 

As a result, I remain obligated on a loan for a disputed service that was not properly resolved. I believe Cherry failed to reasonably address my dispute and failed to properly handle the financing associated with a contested transaction.

I am seeking correction of the account, including cancellation or refund of the loan balance associated with the disputed service, and a full explanation of the basis for Cherrys decision. 

In addition, I disputed related charges with my bank, and due to the unresolved status of this loan, the amounts currently reflected on my account are inaccurate and inconsistent with the disputed transaction. This has created ongoing billing discrepancies that Cherry has not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My XXXX account was hacked in XXXX of 2025. Most charges were cancelled and I was notified of suspicious activity. I was told 2 charges were authorized and that if they werent authorized Id have to contact synchrony bank to report as XXXX wouldnt be responsible. One charge was XXXX and one XXXX. The problem is the items were shipped to my address. The orders arent listed in my account so I could not return them. I asked XXXX for help and they said only contact synchrony. Synchrony initiated a fraud investigation and said bc the items shipped to me they were charging me. I opened the case a few times and talked to many customer service reps over a long time and ended up being directed to the dispute team. The approved my claim but saw the temporary credits from the fraud investigation and said I already got my money back when in fact I had been charged again. This keeps happening as synchrony keeps sending it back and forth from fraud dept to disputes. I just received another letter saying they approved my claim again and that the credits were on my account XX/XX/XXXX, but the fraud department decided to add them back again on the XXXX so I still have over {$800.00} in unauthorized charges on 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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My loan was sold when it was in underwriting with XXXX XXXX. The VA already approved the trial and the modification. The loan was sold in XXXX and PHH frequently contacts me and states they are investigating the issue. 
I spoke to someone on XX/XX/XXXX and they stated that my account is still being researched. I then got an email from the Research Department stating that they've received and accepted the modification agreement. Yet, on XX/XX/XXXX I get a notification of a document with a demand notice.

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 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
This complaint is based on newly received third-party documentation confirming escrow servicing errors that were not timely identified or corrected by the loan servicer.

My homeowners insurance policy is escrow-paid. The insurance premium due in XX/XX/XXXX was not properly maintained due to a payment error outside my control. On XX/XX/XXXX, a payment was misapplied to my insurance policy from an unrelated third-party lender and later reversed. As a result, the policy became delinquent despite being escrowed. 

The escrow error remained undetected and uncorrected for more than two months after the insurance due date. I did not receive timely notice from the servicer that escrowed insurance coverage was at risk. 

On XX/XX/XXXX, the insurer provided written confirmation that the policy was escrow-paid, that the misapplied payment originated from a different lender, and that the resulting delinquency was not borrower-caused. Upon learning of the issue, I immediately took action to prevent cancellation or lapse of coverage by making a temporary out-of-pocket payment of {$270.00}.

This payment was made solely as an emergency measure to prevent a lapse in coverage and does not constitute a waiver of escrow or a transfer of insurance payment responsibility to me.

This complaint concerns escrow mismanagement, failure to timely identify and correct an insurance payment error, and borrower harm caused by delayed servicing correction following transfer of servicing on a VA-guaranteed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Chime Financial Inc
State: PA

Complaint narrative:
Funds are missing from my Chime account with no transaction history reflecting the removal. My balance changed without any corresponding debit or transfer. I contacted Chime multiple times, and representatives refused to open a Regulation E investigation, refused escalation, and stated they are not required to provide any case number or written denial. Chime can not account for where the money went. I am requesting a full ledger audit, provisional credit, and a formal investigation under the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AK

Complaint narrative:
CREDIT CONTROL LLC XXXX XXXX FILE ON THEIR BONDS LEGAL NOTICE : I HAVE REVIEWED MY CONSUMER REPORTS AN IVE NOTICE MY IDENTITY HAS BEEN STOLEN BY AN REPEATED OFFENDER BULK BUYING DEBT COLLECTOR CREDIT CONTROL LLC XXXX XXXX THE ALLEGED ACCT XXXX IS SPLATTERED OVER MY CONSUMER REPORTS THIS S FRAUD USC 1028 AGGRAVATED IDENTITY THEFT. I HAVE NO BUSINES IN COMMERCE WITH THIS FRAUDULENT COMPANY. PLEASE SEND THE CERTIFIED MAIL CREDIT CONTROL LLC AND XXXX  SENT TO MY PERSON WITH MY HUMAN SIGNATURE GIVING XXXXTHE human THE RIGHT TO DISPUTE FOR THE PERSON BEFORE FURNISHING THIS FRAUD ON MY CONSUMER REPORTS ALSO XXXX, CREDIT CONTROL LLC DELETE OR I WILL SUE, THIS IS YOUR OPPORTUNTITY TO CURE DONT PLAY WITH ME!!!!!!!!!!!!!!!!

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 2026-01-30 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
I started getting emails from Affirm about a loan that had past due payments. It seemed like a scam so I didnt pay any attention to it. Then I noticed that they kept calling me, but no voicemail. I called them and they said that I took a {$4500.00} installment loan out for a pizza oven from XXXX XXXX. I have never bought a pizza oven. They refused to give me any information about the transaction. They said they would open an investigation. An hour later I got an email from him saying theyve concluded their investigation and that I owed them the money and I had to prove otherwise or they would continue to pursue collection of this money. I found XXXX XXXX online and called them. 
( XXXX ) XXXX. Nice guy called me back. He said he gets phone calls about this all the time and that its always an Affirm loan. That means they are aware of this scam but yet continue to try to collect money from consumers. Isnt that fraud? They are aware that these loans are scams, but yet still try to collect on these. That sounds criminal to me. I feel really bad for this poor pizza guy because he gets phone calls about it all the time and he said hes been getting scammed repeatedly. You should call him and offer him some help because hes in a bad situation. He said hes called the Ohio Attorney General, but theyve been unwilling to help him. Feel free to contact me if you need more information. Affirm is continuing to pursue the collection of this loan despite the fact that they know its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Goodwill Request - Account # XXXX To Whom It May Concern, I am writing to respectfully request a goodwill adjustment regarding a late payment on my credit report for Account # XXXX that occurred on XX/XX/XXXX XXXX XXXX Account # XXXX I take full responsibility for this oversight. In XXXX, I was involved in a federal incident case that required significant legal expenses. During this time, I was focused on my legal matters and struggled financially to make ends meet. Later, in XXXX, I had to turn myself in to federal prison, which further impacted my ability to manage my financial obligations. I have documentation to support this timeline and the circumstances surrounding it.

I have been a loyal customer since Date Account Opened : XX/XX/XXXX and have otherwise maintained a good/excellent payment history. As soon as I was able, I made the necessary payments to bring the account current.

This late payment is an isolated incident and does not reflect my usual financial habits. As I am looking to e.g., apply for a mortgage/refinance soon, this mark is negatively affecting my credit score. I would greatly appreciate it if you could remove this late payment from my credit report as a gesture of goodwill.

Thank you for your time and consideration. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
tried multiple times calling all to be hung up on or some excuse like Im cutting out & they sent me to a new consultant and that guy hung up.

I scheduled an appointment for XX/XX/XXXX close my Wells Fargo account. I had all debts paid, walked in with XXXX XXXX in my checking so I sent to my girlfriend on XXXX. 

Closed my savings account account and she was having trouble closing my checkings. She told me to come tomorrow Im a busy man, I cant keep up with the absolute unprofessionalism Wells Fargo has put me through. I didnt have time to come back and close

Now Im charged for having an account n no money on it, they can charge. Now Im sitting in debt and it will affect my credit score. Im very dissatisfied with their scam of company

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was illegally evicted and therefore I am having a rough time being displaced during this time. I have pursue legal action etc. Followed by this I was recently robbed when asked to use my phone to make an emergency Phone call from a father with his XXXX  month old. When my phone was returned to me I had notifications from CASHAPP!! The guy had wiped me out my credit line balance and added his email and wired the funds somehow!! I immediately reported this to them when I was able to. I believe the first submission was not done. Then I was not only DENIED my own money back that I DID NOT BORROW! I was accused and attacked on top of my loss and suffering. Thats not all this person took from me. I didnt have food or a place to stay over the holidays. I was hoping to at least recover my line of credit as THIS IS NOT A JOKE TO ME THIS IS MY LIFE. I built this. I didnt ask them for this. They continue to offer me more and more money. These accusations are false. The individual changed the pin to access my funds and completely locked me out of my own account and was able to add their email address and I was the one to remove it or things COULD HAVE BEEN WORSE. I do not know what kind of racist allegations they have conspired in their mind but it is an absolute defamation. Theyre an accomplice in this crime and all of its damages. I had no need for these funds and therefore I would not need to access my OWN FUNDS any other way than I have been doing with all of my accounts including this one for YEARS. I have no idea how they came up with such a far fetched assumption with no resolution after I was completely ROBBED and inconvenienced for the holidays! My CHILDREN GOT NOTHING! I would definitely like to escalate this because this is defamation of all you see on paper about me. They dont stop offering the money so Im confused as to who youre referring ; I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I maintained a combined balance exceeding {$4000.00} across my checking and savings accounts at Bank of America for an extended period. According to my understanding of the banks fee waiver policies, this balance level should have qualified to prevent the imposition of monthly maintenance fees. 
Nevertheless, the bank assessed maintenance fees of {$12.00} per month for several years without providing any form of notificationvia statement, email, alert, or otherwisethat these charges were being applied. 
I became aware of the fees only upon receiving a letter from the bank indicating that my accounts had been inactive for some time and would be referred to abandoned property unless transactions were conducted to maintain activity. No reference was made to the prior fees or balance requirements in this communication. 
Subsequently, I contacted customer service and spent over one hour discussing the matter with a representative, who reversed only two months of fees. The representative stated that the system did not permit reversal of additional charges. The following day, I visited a Bank of America branch, where the manager provided the same limitation and could not access data beyond the prior 12 months to determine the full duration or extent of the fees. As a result, no comprehensive explanation or resolution was offered. 
Had I been informed of the fees in a timely manner, I could have easily addressed the issuesuch as by transferring funds from savings to checkingto maintain the required balance and avoid the charges entirely. 
Upon deciding to close both accounts, I began receiving mobile notifications indicating that the account balances were very low, further highlighting the absence of prior alerts regarding fee-related balance thresholds. 
This experience raises concerns about transparency, notification practices, and the handling of fee reversals in such circumstanc

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 2026-01-30 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: NM

Complaint narrative:
On XX/XX/XXXX of XXXX  I purchased for XXXX a seat upgrade on XXXX XXXX. XXXX XXXX charged my card but did not upgrade my seat. I provided them and Goldman Sachs a screenshot proving that my seat was not upgraded. They said they upgraded it but I showed them proof that they didn't and said to them if you aren't going to upgrade my seat give me my money back and they said no. They didn't say we upgraded your seat so we can't they said simply no when I said if you aren't going to upgrade it please give me my money back. I provided every screen shot to Goldman Sachs and filed a dispute. Goldman Sachs did nothing about it but tell me that XXXX said no refunds. So they are allowed to steal my money not give me what I paid for then say no refunds?

Company response to consumer: Closed with explanation