vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Bought XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I bought them with the agreement that I could pay XXXX for XXXX months. The XXXX XXXX cost {$4900.00}. I signed a contract that specified this and they said I could use their CareCredit Card from Synchrony Bank. I said OK. XXXX I called Synchrony ( they had sent me an email about possible fraud ). They told me no fraud. I asked them if they would be handling my account ; they said yes. I asked for the terms of the agreement. They said " You have a XXXX month promotional period to pay off the account. '' I said " So your billing is going to spell out the need to pay {$200.00} per month. They replied, " No. We will ask you to pay the minimum amount of $ XXXXMonth. I said if I do that, I will not pay the whole amount off as the hearing aid people and I agree to do. Not only that, but my mother was forced to pay the interest off because she did not pay 100 % of the amount during the promotional period. '' The lady says " Yes that happens ''!!! This is fraud. The original seller who speaks with the customer ( usually older people with hearing problems ) get XXXX promise and then Synchrony offers them a way to lose the benefit. If the seller says the payment is XXXX XXXXmonth, the credit card company must give the customer the same terms. Not a way to XXXX them by underpaying and losing their benefit of XXXX 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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went online and placed an order at XXXXXXXX XXXX XXXXXXXX through their official website on XX/XX/XXXXXXXX at XXXX. The merchant called me at XXXX. to advise they did not have the food to fulfill the order. The merchant, never cancelled the order on their end to refund my money. I filed a dispute with Chase on XX/XX/XXXX stating the info above. Claim number XXXX was opened. A provisional credit of {$80.00} was placed on the account. On XX/XX/XXXX, I logged in to chase to see the money was withdrawn again. I called the bank to see why. They advised that the merchant provided proof that I picked up the order. I disputed this again advising I had proof that I was no where near the merchant as I placed an order with another merchant since they did not have the items and indicated they were cancelling the order. I also advised I had the phone records where the merchant called me to cancel. They advised that there was nothing else they could do. I have picked up the proof that the merchant says they provided which is only writing in the merchants name that says, picked up at XXXX. Chase has been no help in resolving as I have advised several times, I have proof that I did not receive or never visited the location,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After accumulating the XXXX points required to redeem a {$1000.00} cruise credit voucher for a XXXX or XXXX night cruise, I contacted customer service in XX/XX/year> to ask exactly how to proceed. On my original phone call, I was told I had to book a cruise online, pay the deposit, and then submit my reservation code on the rewards portal for the {$1000.00} to be credited. I asked about exclusions, like XXXX promotions, and was told XXXX was not eligible, so booking online was my best choice. I also asked about room category requirements, and I was simply told the room had to be a window room at a minimum, but that I could book whatever I wanted, and just pay the difference above the {$1000.00} credit I had. I proceeded to book online and submit my booking code on the rewards portal. It took 3 months for the rewards to be applied, and when they were, I noticed I was shorted {$300.00} in rewards. Upon contacting customer service, I was told I had used promotions that were not combinable with my voucher. I am disputing this, as I was never told booking online carried the risk of exclusions, and I do not believe any exclusions can apply, because when booking on the website, there is no way for the discounts to not be applied. The system automatically shows the " best price '' available, and people are unable to opt out of these discounts that the reward program is trying to claim are ineligible.

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 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
I feel as if I was threatened or coerced into paying a full amount without being able to dispute the amount of my medical bills. I was never provided an itemized bill to show why my total cost was so high. The hospital itself did not provide me with any information, payment schedule or other options prior to being contacted by the debt collection. I was faithfully paying {$25.00} a month until that account was compromised and at that time I had moved and lost contact with the hospital. I was never given proper time to pay my bill, I was served a court date threatening jail time if I did not appear in Indiana from Florida on a certain date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: KEYCORP
State: PA

Complaint narrative:
I received a letter saying the fraud charge I placed on our business card was denied and an accurate representation of a payment. This is incorrect and Im reopening the case for dispute. When we called on XX/XX/XXXX, no one from KeyBank let us know that we were able to use this email address to provide evidence. Instead they told us to wait the 90 days for a result. Upon receiving this letter on XX/XX/XXXX dated on XX/XX/XXXX, Im completely upset as a business owner trusting a bank with our business funds when I had specifically told 3 different bank employees that these were spam charges. Here is our case and I want these funds placed back in our account immediately with the amount of {$1400.00}. On XX/XX/XXXX, I received a call from XXXX from a woman claiming to be a XXXX employee. She claimed I had an outstanding balance of {$1400.00} on my account. When I logged into my XXXX account, it showed that there was such a balance. She claimed I would be transferred to the financial department and to make a payment via the manager. His name was XXXX. XXXX said he would provide me with a barcode that would allow me to make a payment via the XXXX in a XXXX super center in XXXX XXXX. They also told us that they had XXXX employees coming to shut off our electric and gas by XXXX. With operating a business and having customers in the building, I did not want to have anything shut off and be forced to close our business. When we went, there was several people in line making the same payments to XXXX with the barcode provided. Barcode is attached that we were told to pay with from the number that was given via text to pay. We made the payment and upon checking my account I saw the payment was a scam and immediately called KeyBank to have this pending balance stopped. The original KeyBank employee told me we would have a stop payment on the amount that was pending and a dispute would be started. When I called the next day, the new KeyBank employee told me this was not the case- they could not stop payment and sent me to the fraud department. They told me it would take 90 days and I had to wait. As I said above this was the only information I got now upon receiving this letter Im told the payment was accurate. That is absolutely not the case. We explained all this to all 3 KeyBank employees and my concern is as a CUSTOMER where you have all of my business money .. how does someone not ask me for any of this before making a decision? We were scammed out of this money and I will not stop filing disputes against this until my money is back in my account. Additionally= I will not operate my business with a bank who will not side with the business owner. XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called Westlake Portfolio Management ( XXXX ) and requested a deferment for the month of XXXX payment because the account was not due or delinquent I was told that my request could not be honored and that I had to wait until the account was delinquent to make that request. I said ok and was waiting until a day after the XXXX to make the request. Westlake Portfolio processed a payment on the XXXX anyway without making any contact with me at all before processing the payment. On XX/XX/XXXX I called and requested the payment refunded. As told to give it 2 days to be back into my account. On XX/XX/XXXX I was told the refund was denied. On XX/XX/XXXX I called to ask why and was told it was still pending approval. Spoke with a supervisor that told me that they can take the payment because being late on a payment was not part of my contract. I told her my contract was with XXXX not them and asked her why they took my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: FL

Complaint narrative:
XXXX XX/XX/year> at XXXX XXXX I deposited {$100.00} into the ATM at my branch location and received a receipt. The deposit has not shown up on my account balance. They opened a dispute and are telling me this can take 45 days, in the meantime I do not have access to my money. They are saying the reason is I turned my card off, even so, the card should have rejected prior to taking my money. I forgot the card was off but if it would have returned my card due to being off I would have turned it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding unfair overdraft fee practices and poor customer service. My account had been negative for over 4 days. A {$70.00} fee was removed, then reapplied due to a {$5.00} transaction, causing additional financial hardship and preventing me from paying my bills. I attempted to resolve this by phone, but I was disconnected multiple times, including when requesting a supervisor. This prevented me from addressing the issue. I am requesting a full refund of the {$70.00} fee and a formal review of both the fee handling and customer service conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
I received a letter saying that there is a late fee for my XXXX taxes not being paid from the city of XXXX WI on XX/XX/XXXX. It showed they did make the payment XX/XX/XXXX of {$1400.00} but not the one due my XX/XX/XXXX so there is a late fee of {$220.00} & a 1.5 % fee per month from XX/XX/XXXX for non payment. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & uploaded the letter from the municipality. At the same time XX/XX/XXXX I un escrowed my taxes so I don't deal with this next year. I was informed to call the XXXX # with an update. When speaking to the rep they said it was determined that since my taxes are not escrowed they would not pay them. They were escrowed in XXXX & until XX/XX/XXXX. Asked to speak to someone who deal with taxes. They said they can only send them a message to call me. They have not. Called back couple weeks later & was told its been upgraded to a case manager. Again they didn't call & when i called the XXXX # they said it was determined that since my taxes are not escrowed they would not pay them. I have said again they someone from who pays the taxes needs to call me so I can explain because they are misunderstanding. Still will not call me. Attached is the letter i received and some notes i was taking trying to resolve 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 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This was apart of an ongoing identity theft that took place in XXXX. This needs to be removed immediately from all credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I received an email from First Source Advantage LLC, per XXXX on behalf of XXXX XXXX XXXX. I never received any notice of an outstanding balance! I contacted XXXX XXXX on XX/XX/year> to verify any outstanding balance. I was advised there is no balance due on my account, and I currently my account is in good standing. I was also advised to ignore the communication. I never received any communication from XXXX XXXX XXXX XXXX First Source Advantage LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/XXXX when I logged into my bank account current I noticed that my money was missing from my account & when I go through the transactions. I was being charged multiply times from cash app without any authorization. It started on XX/XX/XXXX for {$45.00}, then XX/XX/XXXX for {$100.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX there were XXXX other charges for {$700.00}, {$900.00}, {$200.00}, {$50.00}, I dont have a cash app account so I dont understand how they got access to my information, I reached out to my bank to see how they can help me get my money back and they created a dispute and said I had to wait XXXX business days until they can resolve the issue, 5 days after I received an email saying my claim was denied and there was no error. I called to ask for more information because fraud was done to me and I dont understand how they said that no error was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
XXXX XXXX tricked me into an enrollment over the phone, and Monterey Financial is trying to enforce a deceptive loan and ruining my credit by XXXX points. They refuse to help when I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX XXXX XXXX Mail Lendbuzz XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Re : Loan No. XXXX Vehicle : XXXX XXXX XXXX : XXXX To Whom It May Concern : I am writing regarding the above-referenced auto loan account. This letter serves as a formal notice of dispute concerning the alleged debt and a demand that you cease and desist from any improper collection activity until the matter is properly validated and investigated. I dispute the validity, amount, and/or reporting of this account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide the following : Verification and validation of the alleged debt ; A complete payment history for the account ; A copy of the original signed loan agreement and all supporting documents ; Documentation showing your authority to collect on this account ; A breakdown of all interest, fees, penalties, and charges added to the account ; Copies of any notices of default, acceleration, or repossession rights sent to me. Until you provide proper validation of this debt, you are instructed to cease all collection communications except those required by law to respond to this dispute. This includes telephone calls, emails, text messages, and reporting or continued reporting of inaccurate information to any credit reporting agencies. If any information furnished to consumer reporting agencies is inaccurate, incomplete, or unverifiable, I demand that it be corrected or deleted immediately. This letter is not an acknowledgment or admission of liability for the alleged debt, nor is it permission to continue collection activities outside the requirements of applicable federal and state law. Please provide your written response within XXXX days of receipt of this letter. Sincerely, XXXX XXXX Loan Number : XXXX Vehicle : XXXX XXXX XXXX Loan Amount : {$25000.00} Monthly Payment : {$520.00} Interest Rate : 13.87 % Loan Term : 6 Years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
XX/XX/XXXX XXXX collection on credit reports. Disputed. Connected to XXXX. XXXX cancellation ; The XXXX XXXX account was cancelled, removed from bureaus. XX/XX/XXXX Notification of a change in credit from XXXX and XXXX. XX/XX/XXXX Checked credit reports and filed dispute with XXXX and XXXX over a collection that I was unaware of ; same details as in XX/XX/XXXX. XX/XX/XXXX Froze credit on XXXX, XXXX and XXXX. XX/XX/XXXX Notified by XXXX that this " disputed collection belongs to you ''. XX/XX/XXXX Notified by XXXX that this collection is " verified as accurate ''. XX/XX/XXXX FTC Identity Theft Report filed. IdentityTheft.gov ; both incidents documented XX/XX/XXXX Re-disputes filed with FTC paperwork and the previous XXXX document. XX/XX/XXXX Certified letter to Rent Debt sent with Copy of FTC report Copy of XXXX Cancellation Letter dated XX/XX/XXXX Copy of government-issued photo identification XX/XX/XXXX Filing of CFPB report.

Company response to consumer: Closed with explanation