vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: OH

Complaint narrative:
My wife responded to an internet advertisement regarding better than average CD rates. She is constantly looking for good rates so this is a common search for her. She called the number and left a message and a gentleman called back named XXXX XXXX with XXXX XXXX XXXX a division of Silicon Valley Bank which is now a division of First Citizens Bank. XXXX XXXX explained they were offering a 1 - 2 year FDIC insured CD as part of an offering on a bond from XXXX XXXX XXXX XXXX He provided a lot of information via email of which I have copies. After doing what seemed to be, but was apparently not, adequate research to verify the legitimacy of this offer, my wife and I decided to proceed with opening 2 CDS at 5.625 % for one year. One CD funded for XXXX and one funded for XXXX. We registered for a user portal, received and logged into our portal account and proceeded to wire transfer the money on XX/XX/year> to open the CDs. Once the transfer was done, we received deposit confirmations and saw both CD amounts appear on the client portal. About once a month we would look at the portal and see the accounts listed there. Interest was to be posted quarterly so we expected the first interest to post the end of XX/XX/year>. On XX/XX/XXXX, I went to the portal to check the account and received a message that the portal domain had been changed and to check email for the new portal instructions. I checked email and found no instructions, so I sent an email requesting the new portal link. On Monday XX/XX/XXXX, I saw an email was returned and listed as no longer a valid domain. Also, that day my wife received a text from XXXX XXXXXXXX XXXX that her account was overdrawn by almost {$500000.00}. She called the bank and was informed the account was blocked while a fraud investigation was being conducted related to wire transfers in XXXX. She reached out to the Fraud unit who would not provide her with any information and was informed the next day Tuesday XX/XX/XXXX that the bank 's investigation was complete and that XXXX was told to remove her funds and was being exited from the bank. XXXX was told that the investigator from XXXX XXXX Bank, XXXX, whose phone number is ( XXXX ) XXXX would not speak to her and despite XXXX 's pleas for help, as we at that point believed we may have been conned out of {$350000.00}, there was no further assistance XXXX XXXXXXXX XXXX would provide. At that point we started reaching out to law enforcement and other relevant government agencies. Silicon Valley Bank and First Citizens Bank claim that while a profile for XXXX was opened, there are no accounts listed in her name. XXXX XXXX Management has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/year> I spoke with employee XXXXXXXX XXXX XXXXXXXX from Synchrony re : why I wasn't notified by EMAIL that my CD was renewing/renewed. I was told I was notified electronically on my account under inbox / documents. First of all I do not routinely check this and when I do how would I know there was a new document there? Even when I log in, it does not tell me there is a new unread message. I was told I would receive a XXXX month penalty if I closed it out today which would be about {$500.00}. It was set for renewal on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I contacted Synchrony credit card XXXX and XX/XX/year> stating I had an unauthorized charge for {$490.00} made that I did not authorize. I closed down my card immediately and changed all passwords. I have been contacting them every other week to check on the status of the fraudulent charge. On XX/XX/year> I received a letter stating they deemed the case as fraudulent and took the charges off of my account. Now as of XX/XX/year> they added the charges back on to my account. I also contacted the company in which the charges were made to XXXX XXXX they also investigated it and said to contact Synchrony back to get these charges taken off.

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 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX student loans serviced by Sallie Mae. My daughter is the primary borrower and I am the co-signer. We have been actively trying since XX/XX/XXXX to obtain assistance and avoid default, but we continue to receive conflicting information and have not been provided with a workable resolution. Phone calls XX/XX/XXXX Spoke to XXXX # XX/XX/XXXX spoke to XXXX XXXX XX/XX/XXXX spoke to XXXX XX/XX/XXXX Supervisor XXXX XX/XX/XXXX XXXX - escalation ( advised to call back in XXXX perhaps more programs will be available. XX/XX/XXXX spoke to XXXX XX/XX/XXXX spoke to XXXX The total loan balance is approximately {$150000.00} across XXXX private student loans. Current monthly payments are approximately : Loan XXXX : {$560.00} Loan XXXX : {$440.00} Loan XXXX : {$360.00} Loan XXXX : {$400.00} Total monthly payment obligation : approximately {$1700.00}. XXXX of the XXXX loans are currently late despite our efforts to keep the accounts in good standing. We are trying to avoid default and have repeatedly contacted Sallie Mae for assistance. We have requested help and information regarding hardship assistance, payment reduction programs, loan modification options, and any available alternatives. Instead of receiving a clear path forward, we have experienced repeated transfers and inconsistent guidance. We are requesting a full review of all available options to avoid default, including hardship assistance, loan modifications, reduced-payment arrangements, and any other repayment alternatives available for these private loans. We are also requesting a review of our prior interactions and a direct response identifying the specific programs available and the criteria for eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
Continuous calls even though I request with every call that they cease calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraud disputes investigated but I do not velieve an investigation was done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Debt Validation & FCRA Deletion Demand Letter XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding , LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your companys reporting of the above-referenced account on my credit files with XXXX XXXX XXXX This letter serves as a formal dispute and request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I dispute the validity of this alleged debt and request that your company provide proper validation of the account. Please provide the following documentation : 1. The original signed agreement or contract bearing my signature showing that I agreed to this alleged debt. 2. The name and address of the original creditor. 3. A complete payment history and accounting of the alleged balance, including interest, fees, and charges. 4. Documentation showing that LVNV Funding , LLC has legal ownership or assignment of the debt, including the full chain of title from the original creditor. 5. Proof that your company has the legal authority to collect this debt in the Commonwealth of Virginia. 6. Verification that the amount being reported to XXXX XXXX XXXX is accurate and complete. Until such validation is provided, you are required to cease collection activities pursuant to 15 U.S.C. 1692g ( b ). Additionally, if you can not provide the above validation, you must immediately delete this account from all credit reporting agencies, including XXXX XXXX XXXX, pursuant to your obligations under the Fair Credit Reporting Act to report only information that is accurate and verifiable. If this account continues to be reported without proper validation, it may constitute violations of the FDCPA ( 15 U.S.C. 1692e and 1692f ) and the FCRA ( 15 U.S.C. 1681s-2 ). Please note : This letter is not an acknowledgment of any debt. This letter is a formal dispute of the alleged account. Failure to respond with proper validation may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. Please respond in writing within 30 days of receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
American Express randomly on a Sunday night decided to change my credit. Then decided to add the overage of new random amount to my minimal payment. How does a company just randomly decide to change all the information without notifying the customer that its coming? Ive never missed a payment. Ive never been late. Ive never had any problems with this company before. American Express thinks that they can just do whatever they wish with no consequences. You can not simply change someones balance and the middle of the night and then add the overage of new balance to the minimal payment and think that thats OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In mid XXXX I terminated my lease with XXXX XXXX early. My car dealer paid the final payment + any other fees ( disposition ). Therefore in mid XXXX, my car lease was fully paid off. On XX/XX/XXXX, another {$470.00} monthly payment was taken out of my account. When I first called XXXX XXXX they told me the money would be sent back in XXXX business days. More than 10 days went by and I didnt receive the money. I called them again on XX/XX/XXXX to inquire. They then began to tell me that they dont see the extra payment anymore even though in the notes on my account the previous rep wrote that they were going to be back in my account in 5-10 business days. They then asked me for my bank statement to prove the money was deducted. I have now provided that bank statement and need to wait another 60 days to get the issue resolved with them. I have been on the phone with them numerous times and gotten hung up on when they are made aware of the reason I am calling. This has happened multiple times. They clearly do not want to send me this money back and are waiting until its forgotten but I am not going to forget. They are robbing people. I attached the bank statement that shows on XX/XX/XXXX the money was withdrawn and no other transactions showing it was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
We are submitting this complaint regarding payroll diversion fraud involving employee impersonation and fraudulent substitution of direct deposit information. A third party impersonated XXXX of our employees and induced our business to modify payroll banking information based upon fraudulent and deceptive representations. As a result, payroll funds were redirected from our XXXX business account to a SoFi account that was not owned or controlled by the actual employee. This matter has repeatedly been characterized as an authorized transaction solely because the XXXX payroll file itself was technically submitted by our business. However, the authorization was obtained through fraudulent inducement and impersonation. The transfers were initiated in reliance upon materially false information supplied by an unauthorized third party. This is not a merchant dispute, contractual disagreement, or intentional payment arrangement with the recipient account holder. Rather, this is a social engineering/payroll diversion fraud event involving deceptive substitution of payroll account information. We are requesting : proper classification and investigation of this matter as payroll diversion fraud escalation through XXXX XXXX and fraud procedures cooperation between XXXX and SoFi regarding recovery efforts review of whether the receiving account has been associated with fraudulent activity and reconsideration of prior determinations that failed to evaluate the underlying impersonation and deceptive conduct involved. The intended employee neither authorized nor controlled the receiving account that received the diverted payroll funds. Person being impersonated : XXXX XXXX XX/XX/XXXX {$1400.00} Trace number : XXXX XX/XX/XXXX {$1200.00} Trace Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$1600.00} to my credit card issued by Comenity Bank / Bread Financial. The funds completely cleared my personal checking account and transitioned from 'Pending ' to XXXX ' status on XX/XX/year> Comenity Bank has successfully captured my cash assets, and my card balance accurately reflects this payment. However, Comenity has placed an undisclosed XXXX day hold on my available credit line, locking me out of my credit profile. I contacted customer service and a supervisor to resolve this issue. I proactively offered to initiate a three-way verification call with my personal banking institution to provide live, verbal confirmation that the funds are fully cleared and secure. Comenity Bank flatly refused to cooperate with this standard verification method and stated they would continue to withhold my credit line. Holding consumer cash while simultaneously freezing pre-approved credit lines without a verification alternative constitutes an Unfair, Deceptive, or XXXX XXXX or XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$2000.00} in the ATM at XXXX XXXX XXXX around XXXX am. The machine counted the first stack of cash and recorded {$1600.00}. I inserted another stack of cash and the machine showed a total of {$2000.00}. When the machine asked if I wanted to add more, I pushed the button to say yes. I placed more cash in the machined and the machine rebooted. The screen went XXXX. The door to insert cash remained open. I removed the additional money, went to the machine to the left and requested a balance inquiry. There was no record of my deposit of {$2000.00}. I waited for the machine to reboot and the cash door to close and still did not receive a receipt for the money I deposited. I immediately called US Bank, of which they told me to file a claim. The claim number is XXXX. They said they will conduct an investigation and let me know. I called the branch Monday, XX/XX/year> and was told the ATM is run by a third party and that I was following the proper protocol by filing a claim. Yesterday, on XX/XX/year> at XXXX, I called the claims department and was told they DENIED my claim. I was dumbfounded and asked why, and the representative helping me could not find the reason. She emailed someone asking for a reason and asked if I wanted to reopen the case. I said, " YES ''. I would like the bank to provide the video footage of the ATM at the time I was there and an ATM audit of funds for the day.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have had no problem with Bank of America until about 8 months ago. I tried to login and was asked for an otp- as per standard banking procedures. I was notified on my online banking to call customer services to attain an otp. After this, as BOA has no online presence ito customer service, I eventually via XXXX?! Got BOA enterprise resolution to contact me. I called the contact number endless times from XXXX, XXXX XXXX to resolve this. To date, shes never bothered calling me back. Thereafter I resorted to customer service general line from XXXX. Back and fro eventually yesterday at approx XXXXXXXX XXXX in the US I spoke to a lady who verified my identity, confirmed OTP 's on all my respective details and after that XXXX wait and conversation was told that she can not access my account and can not assist moving the OTP to my email address ( which she utilised to confirm my identity ). And that I can maintain yhe account and keep sending savings but can do nothing except personally come to the US and confirm my identity. In this day and age, where I have gone out of my way to try and resolve this issue as a customer of theirs?! It is bloody frustrating and annoying to get this.... Can I please respectfully ask for assistance. I do want the account and I do want to carry on with BOA. I can provide more details if and when needed.

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