vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
During the divorce process, a party took off the autopay for mortgage payments and didnt advise the other party on this joint account and then caused a late payment ( one and only late payment ), while the other joint account owner is oversea. When the party returned to XXXX in about a month and then flagstar charged the joint owner a {$160.00} late fee without any curtesy and also reported the account owners to credit bureau. When i contacted the bank, it refused to offer any help to the account that has never been late for one time. 
it also refused to advise how this {$160.00} late fee was calculated.

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 2026-01-06 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: PA

Complaint narrative:
I am filing a complaint regarding a sudden and substantial interest charge applied to my Synchrony Bank account. 

My balance increased from approximately {$1800.00} to {$4300.00}, reflecting a deferred interest charge of approximately ~ {$2500.00} in deferred interest related to a XXXX financing promotion. 

I contacted Synchrony customer service to request an explanation and copies of my original credit agreement and promotional financing terms. The representative stated that the agreement was with the merchant and that Synchrony could not provide the original agreement or promotional disclosures. I was told that the terms were included in monthly statements, but no specific promotional end date or deferred interest calculation was provided. 

I explicitly requested that the charge be marked as disputed, and the representative refused to mark the account as in dispute. 

I am concerned that : Synchrony can not or will not provide my original credit agreement or promotional financing terms The promotional end date and deferred interest terms were not clearly disclosed A large interest charge was applied retroactively without proper validation My dispute rights under the Fair Credit Billing Act were not honored I am requesting that Synchrony Bank : Provide copies of my original agreement and promotional disclosures Provide a written calculation of the disputed interest Properly investigate the disputed charge Adjust or remove improperly applied interest if disclosures were insufficient I am seeking resolution and written clarification of how this charge was assessed.

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 2026-01-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday, XX/XX/year>, while reviewing my loan on my Wells FargoXXXX 's XXXX XXXX XXXX ( 3rd party ), I was shocked to see that they added a {$100.00} interest charge to what would have been my last payment due in XXXX, XXXX. I reached out today, XX/XX/year>, to ask what it was. Turns out, they said, that on the beginning of the year, my no interest had expired. the person I spoke to tried to get me to pay him right then and he would discount it by about {$15.00}. I refused. Before the interest charge was added on XX/XX/year>, I only owed {$43.00}. I had given them access to take the payments on the due date every month from my checking account, THEY set the amount which was {$40.00} a month. I suggest that they figured that the payment they set up would be 2 days out of the range in which I was supposed to not have to pay interest. I called them back and requested a copy of the terms as I could not find my paperwork. He said he could send me the statement. I said that I need the Terms. He said he could only send a statement and could not send a copy of the terms. They were in the driver 's seat setting my payments. I figured it would have been inside of the window of " no interest ''.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank closed my checking account without providing a clear or specific reason and has refused to provide documentation or allow any form of review or reconsideration. 

I have requested clarification to determine whether the closure was due to error, inaccurate reporting, or a system flag, especially since this closure impacts my ability to maintain banking access and may affect consumer reporting systems such as XXXX XXXX XXXX  or XXXX. 

Chase has declined to explain the closure, provide evidence, or confirm whether inaccurate information was reported to third-party consumer reporting agencies. 

I am requesting : XXXX. Written clarification of the reason for account closure XXXX. Confirmation of whether any information was reported to XXXX XXXX XXXX or XXXX XXXX. Correction or removal of any inaccurate reporting XXXX Review of the account for possible reinstatement if no fraud or wrongdoing occurred Failure to provide this information prevents me from exercising my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received call from Upstart which I feel it is a scam.I called back lady tells me after I gave all my information can not find me then she starts getting nasty attitude towards me.I called back again gentleman gets on saying I'm playing around don't call here anymore. 
I am confused is upstart being so rude on the phone when I am hearing impaired.I am filing a XXXX discrimination law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a XXXX XXXX in XXXX and fell a couple of payments behind. Contacted Capital One and informed them of the dilemma and how to go about bring my loan current. They took my payment and late fees and never applied my fees to my account. Now they are charging me XXXX for late fees that should have already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, the bank unlawfully removed a valid Florida Durable Power of Attorney and froze the principals accounts based on instructions from an individual who had been deemed incompetent, despite having prior notice of the principals medical incapacity.

The Durable Power of Attorney was executed specifically to remain effective upon incapacity and to protect the principal from financial exploitation. Notwithstanding this, bank personnel after being informed of the principals conditionaccepted and acted upon directions from the incapacitated principal, which were influenced by the principals daughter, XXXX XXXX, who had previously been flagged for attempted financial exploitation of the principal prior to the execution of the Durable Power of Attorney. 

The banks actions resulted in : Removal of lawful fiduciary authority Improper freezing of accounts without court order Empowerment of an incapacitated individual to control account access Heightened risk of elder financial exploitation No court order, guardianship, or legal justification existed to override the Durable Power of Attorney. A related investigation by the Department of Children and Families was closed with no findings, eliminating any good-faith basis for continued refusal or restriction. 

These actions constitute an unreasonable refusal to honor a valid Durable Power of Attorney under Florida law and have caused financial harm and risk to the principal by depriving access to funds necessary for care and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
based on 15 usc 1681c-2 and 1681i please removed these accounts off my credit

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 2026-01-06 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: GA

Complaint narrative:
On XX/XX/year> I noticed two transactions taken out of my checking account that were not authorized. One of them was for {$3.00} and the other was {$400.00}. Both of them were from XXXX. I did not make either of these transactions as I was home, my phone was with me, and my debit card was in my wallet, Also home with me. I do not know how my information was stolen, but it was. I immediately froze my debit card, ordered a new one, and called my bank, chime. On XX/XX/XXXX, a dispute was filed with my bank, on XX/XX/XXXX, They denied my dispute saying there was no error, on XX/XX/XXXX again, I filed a dispute, on XX/XX/XXXX, they denied it again, on XX/XX/XXXX, I contacted XXXX and had them send me an email telling me that yes, fraud did happen but that it was up to my bank to refund me the money. On XX/XX/XXXX my bank gave me a credit of {$3.00} but the following day on XX/XX/XXXX they told me the {$400.00} one was still not fraudulent. On XX/XX/XXXX, they denied my claim again, I then called my local police department and filed a police report which was emailed to me on XX/XX/XXXX. I then sent that police report to chime opening my claim once again and on XX/XX/XXXX, they denied my claim again saying that it was not a fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a letter stating that my used-car loan was being converted to an unsecured loan with a rate adjustment to XXXX, effective with the XXXX payment. This wasn't very clear to me because I submitted my title to them and acknowledged that they had it in their possession. They stated that I didn't sign the Power of Attorney form they sent to transfer the title, which is why they imposed this rate increase. That was even more confusing for me because I signed over the XXXX in the loan agreement when setting up this loan in XX/XX/year>. This was the second instance where they had unjustly tried to charge me for an item that was not justified. The first was trying to charge me XXXX for insurance when I had sent them this proof 3 times leading up to this. So I immediately contacted another institution to refinance my truck and be done with XXXX entirely. 10 days later, the money was received to pay off my vehicle ; however, they charged a higher interest rate, leaving the loan unpaid in full and resulting in a {$360.00} underpayment of the payoff. I called to report a concern, and every rep denied the rate change and insisted I pay the extra amount. I did the breakdown and submitted to them what the interest should be for XXXX, the exact day my rate changed, and it all matched out to XXXX. My rate was increased for the final 18 days until my next payment day. They refuse to address this.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation Account # XXXX To Whom It May Concern, This letter is a request for validation of the above-referenced debt pursuant to 15 U.S.C. 1692g. 

Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. A complete itemization of the amount claimed 4. Documentation showing that you are authorized to collect on this account 5. Copies of any agreement bearing my signature Until proper validation is provided, I dispute this debt in its entirety.

If you are unable to provide the requested documentation, I request that you cease reporting this account to any consumer reporting agency and delete any existing reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XXXX I missed one payment with a year, so i paid the late fee, I went to make XXXX payment before the grace period and the payment went from {$690.00} to {$1500.00} and it didn't give me the options to just pay my regular payment. So I called the company XXXX XX/XX/year>, and they stated that they paid my insurance. I respond I already paid my insurance and submitted the declaration page on XX/XX/year>. They respond they didn't get it I said I just talked to one of your representative and they did a document search and it was submitted on XXXX XXXX, XXXX. They respond this was a different department. So they gave me another number, and that representative told me, They couldn't change the charges. So i called back on XXXX, XXXX  and they said they had paid my insurance in full and my taxes which was not in default. But if i wanted to i needed to contact both the institutions and tell them to refund the money and i would have to send it back to them. I respond why I didn't pay them and authorize no one to pay my insurance or taxes. So now another payment have come around in the amount of {$2900.00}, and they threaten to send to collections or assist me with mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
FORMAL DEMAND NOTICE AUTO FINANCE FRAUD, MATERIAL MISREPRESENTATION, AND ONGOING STATUTORY VIOLATIONS To Whom It May Concern, This serves as a complaint /formal demand for relief arising from fraudulent and deceptive conduct committed by SANTANDER BANK in connection with a motor vehicle transaction entered into approximately five XX/XX/20 years ago, involving a XXXX finance agreement for a vehicle bearing VIN XXXX. 
The account remains open and active, with an outstanding balance of approximately {$6400.00}, and your institution continues to accept payments under an agreement that was materially misrepresented and improperly disclosed at inception. 
NATURE OF THE MISCONDUCT At the time of the transaction, I was induced into entering what was represented as a lawful and properly disclosed financing arrangement. Subsequent review indicates that the transaction was tainted by material misrepresentation, nondisclosure, and deceptive practices, including but not limited to : Misrepresentation of the true nature and terms of the financing agreement Failure to provide clear, accurate, and complete disclosures required by the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and implementing regulations Concealment or distortion of finance charges, fees, and/or key loan terms Improper assignment and servicing practices between the dealership and your institution Conduct sufficient to toll any statute of limitations under the discovery rule and equitable tolling doctrines Because the loan remains active, these violations are ongoing, and damages continue to accrue with each payment. FINANCING TERMS were misrepresented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am disputing two fraudulent collection accounts being reported by XXXX XXXX XXXX. 

Account numbers : XXXX balance {$2900.00} XXXX balance {$2500.00} These accounts are the result of identity theft. I did not open, authorize, or benefit from any account related to these collections. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and am asserting my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX is reporting inaccurate information and has failed to provide proper validation of the alleged debts. 

This complaint is supported by my FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau Consumer Complaint Division Re : Auto Loan Improper Payment Application / Interest-Only Servicing I am submitting this complaint regarding the servicing of my auto loan, specifically the lenders application of my payments and the resulting failure of the loan to amortize as disclosed.

Loan Overview : Loan Type : Auto loan / retail installment contract APR : 27.99 % Monthly Payment : {$350.00} Payments Made : Approximately 30 payments Despite making approximately thirty ( 30 ) monthly payments totaling over {$10000.00}, my lenders statements show that only {$420.00} has been applied to principal. The statements reflect that each payment was applied 100 % to interest, with no meaningful reduction in principal. 

This outcome is inconsistent with a properly amortized auto loan and inconsistent with the disclosures I reasonably understood at origination. Even at a high APR, a retail installment contract should amortize such that a portion of each payment is applied to principal. Instead, the loan appears to function as a de facto interest-only obligation without clear disclosure, explanation, or authorization.

The lender has not clearly disclosed : How interest is calculated ( daily vs. monthly accrual ) Why payments are not reducing principal Whether fees, capitalized interest, or other charges are being added to the balance How the outstanding balance is being calculated I believe this may constitute improper servicing, misapplication of payments, and inadequate or misleading disclosures, potentially in violation of the Truth in Lending Act ( TILA ) and applicable consumer protection standards. 

I have formally requested a full payment accounting and amortization disclosure from the lender. I am requesting CFPB assistance to : Obtain a complete, itemized accounting of my loan Require the lender to explain and correct any improper payment application Ensure the loan balance accurately reflects payments made I am not refusing to pay my obligation. I am disputing the accuracy of the accounting and balance due. 

Thank you for your review and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
What happened : I am a long-time Bank of America customer ( XXXXXXXX XXXX XXXX ) and this complaint concerns a business credit card refund that Bank of America is failing to process or even investigate. 

I purchased XXXX tires from XXXX using my Bank of America XXXX credit card. I returned all XXXX tires to XXXX for a full refund. XXXX processed the returns and issued refunds for all XXXX items. 

XXXX tire refund was successfully received and posted to my Bank of America account. However, XXXX tire refunds have not posted, even though XXXX confirms they were processed. 

I contacted XXXX multiple times. XXXX answered promptly and confirmed that : The refunds were processed correctly on their end The refunds were sent to Bank of America The bank should be able to trace the refunds using authorization / reference information XXXX advised that Bank of America needs to locate the refunds on their side, which is standard for card refunds. 

Bank of Americas failure : I have spent over XXXX hours attempting to resolve this with Bank of America through : Multiple phone calls ( many not answered ) Chat support A scheduled in-branch appointment Despite all of this : Bank of America repeatedly states that representatives do not have access to my business credit card Phone agents refuse or are unable to assist Branch staff explicitly stated they can not help No one has investigated the missing refunds No escalation path has been provided At no point has Bank of America denied that the refunds may exist they simply refuse or fail to access the account and research them. 

This is an unreasonable and unacceptable failure of customer service, especially for a basic credit card refund dispute. I have documentation, screenshots, chat logs, appointment records, and recordings showing repeated attempts to get help. 

Why this is a problem : A merchant refund should be traceable by the issuing bank Bank of America is preventing me from accessing assistance on my own account Funds owed to me are being withheld without explanation I am being forced to escalate externally due to Bank of Americas inaction

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