vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
I took out a new balance transfer for $ XXXX = {$9700.00} with 3.99 % apr, expiring XX/XX/XXXX. It posted to my account on XX/XX/XXXX. I had a previous balance transfer offer that was expiring on XX/XX/XXXX, for 0 % apr, with {$5700.00} balance left at the time I took out the new balance transfer. I paid {$2500.00} on XXXX, and {$2500.00} on XX/XX/XXXX, and I paid {$620.00} on XXXX. All of those payments were intended to pay the $ XXXX left on the expiring offer. Per Part 1026 ( Regulation Z ), 1026.53 Allocation of payments, ( b ) Special Rules, 1 ( i ) Last two billing cycles- they were legally required to apply the payments to the expiring balance transfer. Instead, Discover only applied part of those payments to the expiring balance and instead applied the payments to the balance transfer I had taken out a week prior. After calling multiple times, explaining the situation repeatedly ( as none of the representatives even understood what was going on ), being transferred repeatedly, I finally got a supervisor who assured me I was wrong about the regulation, and Discover had the right to apply my payments however they wanted. When I asked if it would've made a difference if I called or wrote in to instruct them what to apply the payments to, she said no, they don't allow customers to choose and they always apply to the highest apr, even in the last 2 months before a 0 % expires.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To whom it may concern, This letter serves as formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). u are hereby ordered to CEASE AND DESIST all forms o f communication with n family, or my place of employment regarding the alleged debt referenced above. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right t o collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s- 2 ( a ) ( I ) ( A ) ). + I am formally demanding the following documentation within 1-5 calendar days from the date of this letter : 608 1. The original signed contract or application bearing m y signature showing liability for 2. The complete chain of title or assignment o f debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. Your debt collector license number and the state ( s ) in which you are licensed to collect. 6. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing o f false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I am filing a complaint regarding the handling of a fraud incident and subsequent account closure by SoFi Bank. Approximately XXXX weeks ago, the account holder ( myself ) was the victim of a XXXX scam that resulted in unauthorized access to online banking. I immediately contacted SoFi to report the incident and secure the account. SoFi closed the compromised debit card and issued a replacement, and I disputed a fraudulent charge. On Wednesday, SoFi notified the account holder that the disputed transaction had been investigated and confirmed as fraudulent. The provisional credit that had been issued was made permanent. However, on Fridaywithout advance noticeSoFi closed the entire bank account. Following the closure, SoFi sent a notification stating that the remaining funds in the account were deemed not to be mine, and would be returned to the originator. This is confusing given that SoFi had already confirmed the transaction was fraudulent and that the account holder was the victim. SoFi has not clearly communicated if they are referring to the disputed transaction or all funds in the account, nor will they confirm with me what will happen to the remaining funds. The concerns are : XXXX. The sudden closure of the account after confirming the fraud claim in the account holders favor. XXXX. Lack of transparency regarding the remaining account balance. XXXX. Failure to clearly communicate whether and when the remaining funds will be returned. I am requesting clarification regarding the reason for the account closure and confirmation that any remaining legitimate funds will be returned promptly. Documentation and email correspondence from SoFi can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: GA

Complaint narrative:
I am filing a complaint regarding misleading loan terms provided by Koalafi. When I entered into the financing agreement, I was clearly told that my loan balance of {$1400.00} would be paid off within XXXX days as long as my payments of {$130.00} were made on time. Based on this information, I agreed to the financing terms. Since entering the agreement, I have made all payments as required and have paid a total of {$1700.00} toward the loan. However, my account currently still reflects a remaining balance of {$1700.00}. This indicates that I have already paid more than the original financed amount, yet my balance appears unchanged. This contradicts the terms that were explained to me at the time of purchase and raises concerns about misleading or deceptive lending practices. I am requesting a full accounting of how my payments were applied, clarification of the loan terms, and correction of my account balance if errors or deceptive practices occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
Optum Bank is not releasing my XXXX Funds as requested. They are obligated to release my funds when I submit a request to " XXXX XXXX '' or request payment to a provider. On XXXX of XXXX, XXXX I went onto their portal and attempted to add my Bank account so I could transfer funds into my account to pay myself for a XXXX bill of {$1900.00}. The first part of the process worked but then a XXXX suddenly appeared asking me to validate again and it didn't seem correct. I stopped the process and called Optum. I was told the XXXX XXXX was down and not working. Ok, I submitted a request for the check to be sent to me. On XX/XX/XXXX they removed the funds from my account. On XX/XX/XXXX, I called to follow-up and initiated an online Chat since I still had not received the check. They stopped payment on the check and said they were issuing a new one. I said I wanted the check expedited and needed it that week. They said no they could not do that but would put it in the notes. XXXX weeks went by and I initiated a chat on XX/XX/XXXX only to find out that they did not send a check and said that I had cancelled it. I had stopped it in XXXX conversation feeling uncomfortable about it. But subsequently left off assuming that they were sending a check. On XX/XX/year> I also happened to noticed that the funds they removed from my account on XX/XX/year> in the amount of {$530.00} for a bill I requested they pay to a provider had either not been sent or not received as the provider is still sending me bills. I did call the billing company and they confirmed that nothing was received. Going back to Optum, I was told they sent the provider a debit card. I asked why as I thought they were getting a check. The person replied that after XXXX days they could cancel the card and then they would issue a check. This response came rather quickly before getting more information / confirmation of the issue which I thought was strange at the time. Now seeing all the complaints, it almost seems as if this is the way they operate. Are they holding my money XXXX for as long as they possibly can?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am disputing an account reported by Spring Oaks Capital on my credit report. I do not recognize this debt and I do not know what type of account this is. I have never received proper validation of this alleged obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt including the original signed agreement, the full payment history, and documentation proving Spring Oaks Capital has the legal authority to collect this debt. Since I do not recognize this account and have not received proper validation, I request that this account be removed from all credit reporting agencies if the company can not provide sufficient documentation verifying the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I withdrew cash from Chase Bank and received {$500.00} less than the amount withdrawn. The bank discovered they were over {$500.00} at the end of the day but did not notify me. I had to come back three days later to recover my money. I believe the bank should have informed me immediately and handled the issue properly. Location XXXX XXXX XXXX, XXXX, TX XXXX, United States

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I called and ask them to remove the charge off that they reported to credit bureaus. They just kept repeating the account is paid in full. I already know that. This account was never sold to a collection agency. All of my payments were sent to synchrony/care credit. They notified me on XX/XX/XXXX to set up a payment plan. I accepted their payment plan. I made my first payment XX/XX/XXXX. Later I realized they charged off my account. They didnt tell me this. I dont know how they charged off my account but also accepted all of my payments and account was paid in full. This is deceitful practice. I was not informed when I set up payments in XX/XX/XXXX that they were going to charge off 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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I requested them to stop billing me the overfee back to XXXX. If my balance is low, reject the payment. But they still bill those overdraft fee without my consent. I asked them to remove the overdraft fee without my consent. they refused. Here are the details : On XX/XX/XXXX, they posted a {$35.00} dollars on a {$11.00} XXXX XXXX XXXX On XX/XX/XXXX, they posted a {$35.00} dollars on a {$16.00} Recurring payment on XX/XX/XXXX XXXX XXXX, even I asked the refund from XXXX XXXX. On XX/XX/XXXX, they posted a {$35.00} dollars on a XX/XX/XXXX {$100.00} XXXX XXXX XXXX On XX/XX/XXXX, they posted a {$35.00} dollars on a XX/XX/XXXX {$30.00} XXXX XXXX XXXX On XX/XX/XXXX, they posted a {$35.00} dollars on a XX/XX/XXXX {$30.00} XXXX XXXX XXXX Total XXXX overdraft fees are billed to my account. I expect them to reject the service instead of letting them process through and add an extra {$35.00} dollars on my balance. That money is dirty.

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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : American Recovery Service Incorporated Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Account Ending : XXXX Balance Claimed : {$7100.00} Complaint : I am filing this complaint against American Recovery Service Incorporated regarding a debt collection attempt for an alleged account with XXXX ( XXXX XXXX XXXX XXXX ). I received an email attempting to collect a balance of {$7100.00} and offering payment options. XXXX - XXXX, take a step I dispute this alleged debt and the actions of this collector for the following reasons : Failure to Provide Proper Validation of the Debt The email I received attempts to collect a debt but does not include sufficient documentation proving that I legally owe this debt. I have not been provided with a copy of the original signed agreement, a full account statement history, or documentation showing that American Recovery Service Incorporated has the legal authority to collect on behalf of the creditor. Unverified Collection Activity The collector is demanding payment and presenting settlement options without first validating the debt as required under federal law. Potential Violations of Federal Law Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide proper validation of a debt upon request and must not use deceptive or misleading representations regarding a debt. Attempting to collect a debt without providing verification may violate these requirements. Lack of Evidence of Assignment or Ownership I have not received documentation showing that this account was legally assigned or transferred to American Recovery Service Incorporated for collection. Request for Investigation Until proper validation is provided, this alleged debt remains disputed. Requested Resolution : I request that the CFPB require American Recovery Service Incorporated to : Provide full debt validation, including : A copy of the original signed contract or application. Complete account statements from the original creditor. Documentation showing the chain of assignment and their authority to collect. Cease collection efforts until the debt is properly validated. Remove any reporting related to this alleged debt from all consumer reporting agencies if they can not verify it. I am attaching a copy of the email communication as evidence of the collection attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding an auto loan with Western Funding. I purchased a XXXX XXXX XXXX XXXX from a dealership and signed the loan paperwork at the dealership. The loan was financed through Western Funding. When I went to register the vehicle with the Louisiana XXXX XXXX XXXX XXXX, I was informed that the vehicle is listed as salvage retention. Because of this designation, the XXXX will not allow me to register the vehicle or legally drive it. As a result, I have been unable to use the vehicle for approximately six months. I have contacted Western Funding multiple times ( more than XXXX times ) and explained that the vehicle can not be registered due to the title status. The dealership that sold me the vehicle has since shut down, and Western Funding has not provided any resolution or assistance. At this time I am being required to make payments on a vehicle that I can not legally register or operate. I am requesting that Western Funding investigate this matter and resolve the title issue with the Louisiana XXXX so the vehicle can be legally registered, or provide a fair resolution to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I submitted my student loan payment to Firstmark on the due date through their website. Due to what appears to have been a processing or timing issue, the payment did not post before the reporting cutoff. The payment was submitted the same day and the account has since been brought fully current. Despite this, Firstmark reported the account as XXXX days late to the credit bureaus. This late mark has negatively impacted both my credit score and my co-signers credit score. I contacted Firstmark XXXX XXXX and explained that the payment had been submitted on the due date. I also submitted a XXXX request asking that the late mark be removed, but the request was denied. I have consistently made payments on this account and the account is now current. Because the payment was submitted on the due date and this appears to have been a timing or processing issue, I respectfully request that Firstmark review the reporting and remove the late payment from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I applied online for a chase credit card ( JPMCB ) through Chase credit card and received neither a decline or acceptance to the decision. When I inquired about the status vis phone I was told that I have to visit a Chase branch which there are none of anywhere around me. My concern is because they inquired on my XXXX XXXX credit bureau but claim that the have no record of my application. My understanding is that I am to be notified within 30 calendar days regarding a decision yet I have received nothing and could get no answers from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
My account was closed because of guidelines or something and I started a appeal and never heard back from merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello. Im XXXX XXXX. This account contains fraudulent charges that I did not authorize. The Amazon purchases were not made by me and the shipping address is not mine. I am requesting an investigation and removal of this debt from my credit report.I did not make these Amazon purchases.The shipping address is not mine.I believe this is fraud and I need a formal investigation. I tried contacting the bank countless times, but they kept transferring me to different departments and saying they would check and get back to me. Ultimately, I ended up in debt.

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 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 16814.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation