vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank began ruining my credit on XX/XX/XXXX due to an erroneous error made by XXXX bank regarding my payment being XXXX days late. I applied for a deferment of my XX/XX/XXXX payment, but XXXX did not process that request XXXX reported to my credit report that the payment was XXXX days late. I sent investigations XXXX all XXXX credit bureaus XXXX the error was removed. Synchrony has still reduced my credit line enormously on all of the accounts I have with them. The XXXX XXXX they are reporting for these letters they have sent is extremely low, much lower than any of the XXXX bureaus are stating that it actually is. The listed " factors '' that they report are adversely affecting my XXXX XXXX are : - Lack of real estate secured loan information - Too many revolving accounts with XXXX XXXX- And delinquent or derogatory status on accounts ( reported twice ). I have been trying XXXX log into their website for days XXXX the synchrony account XXXX website will not load. I reported it XXXX the down detector site. There are no reports of them having issues with their site that I can find. How do I complain XXXX them or ask them for a review, when I can't access my account or reach out to their team? There are so many complaints across the internet of other people experiencing the exact same problem with XXXX. They should be held accountable for ruining people 's lives over misunderstandings. I have XXXX credit lines with XXXX XXXX my payment history with them is flawless!! I have had XXXX XXXX for close XXXX XXXX years, alone. I recently applied for XXXX last year XXXX they instantly issued a {$1200.00} credit line, but just dropped it XXXX {$400.00} because of XXXX 's incorrect reporting. My XXXX XXXX is going XXXX plummet after all of these drops take effect on my score renewal. Then, what happens? Will they automatically restore my credit limits XXXX they realize that I didn't miss a payment? Will they issue an apology for trying XXXX ruin my life? I highly doubt it! I will have XXXX reapply for an increase in my credit line XXXX feel like I am begging for the credit that I deserved XXXX have XXXX EARNED, but was taken away from me due XXXX XXXX 's error. The fact that they jumped on the opportunity XXXX ruin me without reaching out or at the very least, allowing even XXXX days XXXX see if that would change is astounding XXXX me! I'm appalled that after having such a long history with their bank XXXX having a perfect payment history, that they would take these actions so quickly.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NY

Complaint narrative:
This credit card comany is a nightmare. I only use this card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. First progress always leaves my authorizations/deposits pending for XXXX weeks or more, even after the merchant releases it. The most recent time, my card didnt work at XXXX XXXX rental on XXXX so I had to cancel my entire reservation and til this day the charge is still pending. I purchased the car with my debit card, and swiped First progress for the deposit. My debit account ( XXXX XXXX ) was refunded immediately but Instead of releasing the pending charge, First Progress has completely restricted my account and I can not access any of my money. I even spoke with them the day I was having issues with my card and confirmed it wasnt fraud and THEY STILL shut my card down. I have good payment history and only used this card XXXX or XXXX times and Ive had issues XXXX out of the XXXX. I have a rental reservation scheduled for today for a very important trip and First Progress still has my card restricted. I have called them everyday, escalating this matter to supervisors and managers with no resolution. * I'm submitting my XXXX XXXX statement that shows the refund. First Progress is still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On Tuesday, XX/XX/year>, I made a mobile deposit of a {$1500.00} personal check from a recurring payer who provides this payment monthly. At the time of deposit, the mobile banking system indicated that the funds would be available the next business day. The following morning, I checked my account and saw that {$250.00} was available, which led me to reasonably believe the remainder would become available shortly afterward as originally indicated. Based on that understanding, I used the available funds to pay scheduled bills. Later that same day, I discovered : The remainder of the deposit had been placed on extended hold. The availability date was changed to XX/XX/XXXX. My account balance became negative as a result of relying on the initially communicated availability. I XXXX have received a later notification of the hold change, but it occurred after the deposit acceptance indicated next-day availability. Account and Deposit Context Account has been open for approximately XXXX months and is in good standing. Deposit is from a known, recurring payer. This was not an unusual or unexpected transaction for my account activity. I acted based on the availability information presented at the time of deposit. After trying unsuccessfully to explain the situation on the phone, I took the actual check and a written explanation of what had occurred and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX She was understanding and attempted to resolve the situation for me, but was unable. She indicated that the erorr probably occurred because I used the mobile deposit app. She advised she avoids using the mobile deposit feature herself because of exactly this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
In XXXX, my account was hacked, but fortunately, the funds were refunded in XXXX of that year. The problem started when I tried to make money transfers through the website, and the Global Transfers option didn't work. It wouldn't let me choose a country or add a bank.And Bank transfer option do not recognize my XXXX XXXX details. This problem has persisted for XXXX years, and I haven't been able to get the bank to resolve it. Countless calls ( for example, case number XXXX ) and emails explaining the problem haven't helped. The responses were always, " We'll escalate your case, '' and I never actually received any help. I don't have a physical card because mine expired in XXXX, and the company it was issued with went out of business in XXXX. So, the only way to withdraw these funds is by sending money through the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am the victim of identity theft, fraudulent concealment, XXXX auto dealer fraud. I am requesting that the XXXX Department of the lender investigate this account, cease collection efforts against me, XXXX correct my credit report, as the default is the direct result of criminal actions by a XXXX-party auto dealer. XXXX of Events : XX/XX/XXXX : I traded in my vehicle XXXX a licensed auto dealer in Washington XXXX. The dealer contractually agreed XXXX pay off the remaining loan balance ( approx. {$56000.00} ) XXXX the lender. I also paid the dealer the negative equity difference out of pocket. The dealer took possession of the vehicle but failed XXXX send the payoff XXXX the lender. The Identity Theft/ XXXX : XXXX conceal the fact that the vehicle was sold XXXX the payoff was stolen, the dealer began making unauthorized, sporadic partial payments XXXX my loan account. The dealer impersonated me, listing my name as the " XXXX '' on the payment receipts ( processed via ACI Payments ), but utilized XXXX-party debit cards ending in * XXXX and * XXXX. I do not own these cards and did not authorize the use of my identity to make these payments. XX/XX/XXXX : I obtained a civil court judgment against the dealer, legally confirming that the dealer received the funds but failed XXXX satisfy the XXXX. XX/XX/XXXX : XXXX Washington XXXX Department XXXX XXXX ( DOL ) issued a Certified Compliance Document ( Case # XXXX ) concluding their official investigation. The XXXX formally found the dealer in violation of State Law ( Failure XXXX Payoff Lienholder ) XXXX forwarded the dealer for administrative sanctions. The Harm : Because of the dealer 's fraudulent actions XXXX identity theft, the lender has marked my credit report with multiple severe late payments, dropping my score significantly. I am receiving active collection notices for a debt of over {$42000.00} that the XXXX of Washington has legally determined the dealer failed XXXX pay off after taking the collateral. Requested Action : I request that the XXXX XXXX XXXX Department review the unauthorized debit card payments ( * XXXX, * XXXX ), acknowledge the Certified State Investigation proving dealer fraud, immediately freeze collection efforts against me, XXXX remove all negative reporting from my credit profile related XXXX this account. The lender should pursue the dealer XXXX the dealer 's surety bond for the stolen payoff funds.

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 2026-02-19 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: CT

Complaint narrative:
Several charges I'm not getting no answers I need my money for groceries and medicine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
This account is past the statue and it has not been removed from my credit reports, Ive been trying to dispute it with bureaus but this company keeps fighting it. Date account supposedly was opened was on XX/XX/XXXX and status date is XX/XX/XXXX. Balance {$0.00} I also never received a dunning letter, cure default nor a validation of debt from Portfolio Recovery XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding escrow mismanagement, inaccurate accounting, and failure to provide clear documentation related to my mortgage loan servicing. During 2025, LoanCare disbursed funds from my escrow account that appear inconsistent with the actual obligations associated with my property. According to LoanCares 2025 Form 1098, the company reports : Property Tax Disbursements : {$5100.00} Hazard Insurance Disbursements : {$1900.00} Additional Assessments : {$6600.00} Total Escrow Disbursements : {$15000.00} Ending Escrow Balance : {$8800.00} However, my official XXXX County tax statement shows that the total 2025 property tax liability was {$1600.00}, which is substantially lower than the amount LoanCare reports paying. This reflects an apparent discrepancy of approximately {$3500.00} between the reported tax disbursement and the actual tax obligation. Additionally, LoanCare reports disbursements for Additional Assessments totaling {$6600.00}, for which I have not received a clear explanation or itemized accounting. Despite multiple requests for a detailed escrow analysis and clarification of these figures, LoanCare representatives have been unable or unwilling to provide a complete, itemized explanation of the escrow disbursements. In several communications, I was advised that information could not be released, that representatives did not know how the figures were calculated, or explanations conflicted with my tax records and receipts. LoanCare has asserted that my escrow account is correct while simultaneously reflecting a large negative balance and alleged shortage that resulted in a significant increase to my monthly mortgage payment. I have gathered supporting documentation, including official tax records, insurance records, and LoanCares own statements, which indicate potential accounting inconsistencies requiring reconciliation. I respectfully request a formal investigation, full escrow reconciliation, correction of any accounting errors, and refund of any escrow overpayments.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was taken over by an unauthorized person on XXXX XXXX. During the account takeover, a fraudulent loan was opened in my name without my authorization. Cash App has acknowledged an investigation but continues sending repayment notices and has not resolved the fraud or removed the loan or reimbursed any funds. support on chat keeps saying it still under investigation and their is nothing more they can do. XX/XX/XXXX made a report Case # XXXX They said 10 days to review XXXX XXXXXXXX XXXX XXXX risk department spoke with XXXX he said he saw my account had an XXXX and he was going to make another ticket and email me details. XXXX XXXX I spoke with a XXXX and I explained it had been 10 business days and I had heard nothing about my case she explained it was still under investigation and their was nothing more she could do I asked for risk management since I continue to get notices about loan repayment she acted if she was transferring me and hung up. I had XXXX in my account my Cash App was attached to my XXXX XXXX account and they were able to get {$1000.00} out for loan purposes I have contacted and made a report with XXXX XXXX they are aware of this situation at XXXX XXXX on the XXXX I was notified my pin was changed and I tried to log into my Cash App but it said my pin had been changed I quickly changed it and was able to log in and was able to see that someone with an XXXX device logged in with the email address of XXXX they were able to go in and detach my email and phone number from my account, but I could see that at XXXX XXXX Business XXXX XXXX XXXX tried to make a purchase of XXXX I reported that while it said pending another XXXX XXXX XXXX XXXX did an {$480.00} I reported while it said pending. it shows I have XXXX in my account but it is suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint to resolve a persistent issue with an unauthorized transaction on my credit card ( ending in XXXX ). XXXX. The Issue : On XX/XX/year>, I reported that my card was intercepted and used fraudulently. Although the bank issued a replacement, the fraudulent charges were incorrectly transferred to my new account. XXXX. Systemic Failure : I have visited my local branch twice ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this. Despite the branch staff 's efforts to assist me and file the necessary claims, there appears to be a systemic failure or technical error within Truists backend system. As of XX/XX/XXXX, the system shows no record of the claims filed earlier this month. Because of this technical delay, I am now being charged late fees and interest on a balance I do not owe. After multiple failed attempts, I finally received a formal claim number XXXX on XX/XX/XXXX, processed by employee XXXX ( ID : XXXX ). This confirms that despite my previous reports, a formal claim was not properly recorded in the system until today.

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 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NE

Complaint narrative:
I never received a bill, statemt, dunning letter, cure default nor a validation letter of debt. Also I never accrued an account with Eastern Account System. They are trying to collect on a debt I never opened with them. Shows debt was opened on XX/XX/year>XXXX which I never opened an account with neither XXXX nor Eastern on that date because I live in a state that XXXX does not operate in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year>, two credit cards accounts were attempted to be opened through Synchrony Bank ; one was a Walmart XXXX card and the other was an Amazon card. Both were denied due to my credit being frozen with all three credit bureaus. I received alerts from the credit bureaus and XXXX XXXX that someone had attempted to use my credit. For some reason, Synchrony Bank allowed the XXXX Walmart card account to be opened, despite my credit being frozen. I disputed this on my credit report with the bureaus. I then received an email from XXXX saying " Your card is on its way to you! '' I called Synchrony Bank, had the account closed due to fraud and the card cancelled. I asked HOW they were able to even approve this account to be opened when my credit report had SAID NO, but the woman I spoke to said that " it must have been a glitch at the credit bureau ''. I said " No, THEY denied it. I have emails saying that it was denied due to frozen credit. '' She had no response and changed the subject to getting the account closed and sent to their fraud department. I then called all three bureaus to report the identity theft, as I had not only never applied for these cards, but was furious that Synchrony Bank had opened one of the card accounts even though it was denied by the credit bureau. I was told by XXXX on XX/XX/scrub>XXXX that I needed to file a report with the FTC, which redirected me here to file the report.

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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate delinquency reporting and servicing failures by MOHELA related to my student loan account. Auto-debit was requested and established in XX/XX/XXXX using my XXXX XXXX account ending in XXXX ( see attached statement for reference ). My account was set up for automatic monthly payments. Between XXXX and XX/XX/XXXX, payments were not drafted from my account. During this time, I did not receive any failed draft notifications, returned payment alerts, or delinquency warnings. I was unaware that payments were not being processed. In XX/XX/XXXX, after learning of similar issues from a coworker, I logged into my account to review my status and discovered that payments had not been deducted as expected. Only after logging in did I begin receiving delinquency email notifications. It appeared that notifications resumed or were triggered following my login. Once I realized the issue, I immediately sent manual payment to bring the account fully current. I also re-established auto-debit using a different bank account, my XXXX account ending in XXXX, to prevent further issues. Despite being enrolled in auto-debit and not receiving failed draft notifications during XXXX XXXX, MOHELA reported XXXX account as delinquent to the credit bureaus. The account is now fully current and remains in good standing. I have attempted to resolve this issue directly with MOHELA on XXXX separate occasions prior to filing this complaint, requesting investigation and correction of the delinquency reporting. My requests were denied. On XX/XX/XXXX, at approximately XXXX XXXX, I spoke with a MOHELA representative identified as XXXX ( ID : XXXX ). During this call, the representative raised his voice, attempted to belittle me regarding monitoring my auto-debit, blamed me for not checking emails, denied the possibility of a system error, and initially refused to escalate my call to a supervisor, stating that a supervisor would tell me the same thing. I was placed on hold XXXX separate times and ultimately transferred to an automated system after being told I would be connected to a supervisor. I am requesting : A formal investigation into the auto-debit failure between XXXX and XX/XX/XXXX. Correction and removal of any delinquency reporting resulting from the auto-debit servicing failure. Review of the customer service conduct during my XX/XX/XXXX call. I was enrolled in auto-debit, had sufficient banking access established, and was not properly notified of failed payments. I am requesting correction of inaccurate credit reporting and proper review of servicing practices.

Company response to consumer: Untimely response