vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I came across my online checking account around XX/XX/2026 and found my balance became a negative number of- {$490000.00}. The actual amount I have in that account was {$1500.00}, so that is an exact - {$500000.00} difference. However, there is no such real transcation reflecting that charge. I have never tried to make such withdrawal, nor authorized anyone to bill from that account in that amount. I called the customer service, got transferred to multiple departments, and then was directed to go to a local branch, where the associate also helped to call around, but we got none useful response. Eventually, the local banker said he would send an email to another department seeking for solution, and get back to us later. He never contacted again, as I believe he did not have an answer yet. It has been XXXX month since there was a hold of {$500000.00} in my checking account, and I don't see any progress in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: FL

Complaint narrative:
I am filing a formal complaint regarding my Venmo account and a dispute on XX/XX/year> involving a {$230.00} XXXX transaction. After a XXXX month dispute process, i was issued a refund. However, Venmo deducted {$93.00} labeled as an " account recovery '' fee without any prior notice, authorization, or explanation. Additionally, during the dispute process, my account/card was restricted or closed without any clear reason provided. I have previously contacted Venmo multiple times.My transaction history clearly shows the full dispute credit of {$230.00} was issued, followed immediately by a {$93.00} XXXX recovery ' deduction with no explanation or prior notice. '' These concerns have been repeatedly ignored or not properly addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: FL

Complaint narrative:
I tried to make payment to care credit and i selected wrong account, app would not let me change it, i called immediately and reported what happened. I am XXXX XXXX XXXX and have trouble understanding how to do things online. I went to make a payment and my app was closed and my account closed, i called them again and told them i had called them and told them what happened, was just told i can go online to their website and make payments there. I was having trouble trying to use the app to pay and i don't understand there web site. It does not make it clear to me how to pay, when i have been in contact with them i don't think they understand what i said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint is a follow-up to CFPB Complaint ID XXXX. The company closed the original complaint on XX/XX/year>, stating they would contact me directly. I received a written response that did not accurately reflect the substance of my complaint. I subsequently sent a follow-up email and a certified letter, which was delivered on XX/XX/year>. As of XX/XX/year>, I have not received any response to that correspondence. The issues remain unresolved. I am still unable to access my online account, and my concern regarding a representative referencing a repossession associated with a vehicle I have never owned has not been addressed. I am requesting that this matter be reviewed again, as the company has not provided a complete or accurate resolution and has not responded to my follow-up correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint regarding Bank XXXX XXXX handling of a fraud claim involving a significant financial loss that occurred on or about XX/XX/year>. On that date, I was the victim of a sophisticated scam in which I was deceived into withdrawing a large amount of cash and transferring additional funds under the belief that I was working with legitimate bank fraud representatives. The individuals involved used impersonation, urgency, and coercive tactics to manipulate me into complying. I reported the incident to Bank of America promptly and have fully cooperated with their investigation. I filed a police report with the High Point Police Department on XX/XX/year>, at XXXX a.m. ( Report Tracking Number : XXXX ). I also filed a complaint with the FBI XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, at XXXX a.m. ( Submission ID : XXXX ). Copies of both reports were faxed to Bank of America on XX/XX/year>. As of today, approximately XXXX week after the incident, my claim remains under investigation ( currently in Step XXXX ), and I have not received provisional credit or clear communication regarding the expected timeline for resolution. I have been a Bank of America customer for over XXXX years and maintain XXXX status. I have a consistent history of responsible account management and do not have a pattern of frequent fraud claims. I requested information from Bank of America regarding the status of my claim, including when provisional credit would be issued and the expected timeline for resolution. I did not receive clear or specific answers. I am requesting that Bank of America provide provisional credit, improve communication regarding my claim, and conduct a thorough and fair investigation based on the documentation provided. This situation has caused significant financial hardship and emotional distress. I respectfully request that this matter be escalated and addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: MD

Complaint narrative:
I am filing this complaint regarding my private student loans with Sallie Mae, which are about to be placed into default. I have attempted to resolve the issue directly with Sallie Mae and/or their collections partners in late XX/XX/year> and XX/XX/year>, but I have not been able to obtain clear information, reasonable options, or a path toward resolving the default. My concerns are as follows : Sallie Mae has not provided a clear, itemized explanation of how my loan entered default, how the balance was calculated, or how interest and fees have been applied. I have requested information about repayment, rehabilitation, or hardship options, but I have not received consistent or actionable guidance. Communications from Sallie Mae and/or their collection partners have been unclear, contradictory, or incomplete, making it difficult to understand what options are available to resolve the default. I have made multiple attempts to contact Sallie Mae to request documentation, payment options, and a path to bring the loan back into good standing, but I have not received a satisfactory response. I am requesting that Sallie Mae provide : 1. A complete, itemized breakdown of my current balance, including principal, interest, fees, and any collection charges. 2. A clear explanation of the timeline and reason for the default status. 3. Written documentation of all available repayment, settlement, or hardship options for resolving the default. 4. A review of the account for any errors or improper fees. 5. Correction of any inaccurate credit reporting related to this default, if applicable. I am seeking transparency, accurate information, and a reasonable path to resolve the default. I am requesting CFPB assistance because Sallie Mae has not provided the information or support necessary for me to address this issue directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Bank wouldn't file MasterCard complaint and stop transaction from recurring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX under XXXX XXXX XXXX corporation. XXXX XXXX XXXX : IRS unfroze our account at Chase Bank and instructed Chase to put back the money {$560000.00}. They have not complied with IRS/ Treasury order. Time is of the essence. 20 teachers will be laid off and XXXX students will be told to enroll at public school. We have spent many hours at the bank with absolutely no help. Please respond we are 1 week away form closing our doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: GA

Complaint narrative:
I've Never heard of XXXX XXXX, they say I owe them XXXX $ that I have no clue about, they say it was Purchased in 2018 and after 8 years they are trying to collect this debt from Me and I don't owe this debt My IDENTITY HAS BEEN STOLEN. I HAVE NEVER BEEN TO THEIR ESTABLISHMENT...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG/CITIBANK N.A XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I'm currently in between jobs and is running late with my payments and trying to not get as far behind as before. I made my past due payment over the website and called into the office and made additional payment to cover the late fees that had been on the account on XX/XX/year> @ approx. XXXX my time zone I made an additional {$110.00} approximately to cover the late fees and provided the account number to the representative as well. The payment never was withdrawn from my account and called to ask why and the representative stated that I never made an additional payment. I asked for a supervisor to review the call for that day since the company stated that calls are recorded and monitored. No one is trying to review the call or help in any way. They only wants me to enroll in a program that I do not want to enroll in. I have been trying to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint concerns a denied chargeback dispute for a {$1500.00} transaction related to a service-based program involving lead generation, cold-calling, and client acquisition support. On XX/XX/year>, I made an initial payment of {$1500.00} for this program. The service was not a one-time digital product, but an ongoing service that included continued communication, implementation support, and performance-based guarantees. After the initial payment, the merchant remained actively engaged with me through XXXX and other communications, continuing to offer additional services and request further payments for components such as cold calling and closers. Over time, I made additional payments of {$750.00}, {$1000.00}, and XXXX separate {$3000.00} transactions, all tied to the same program and service relationship. These payments were made based on the merchants continued reassurances and guarantees, including a refund guarantee if specific results were not achieved. Despite these assurances, the promised outcomes were not delivered. The service failed at a later stage, and the merchant did not honor the refund guarantees provided. I filed disputes based on the failure of the service. A related {$750.00} transaction was refunded by the bank despite being outside the standard dispute timeframe. Additionally, XXXX separate {$3000.00} disputes tied to the same program were resolved in my favor through the payment processor. This demonstrates a pattern of services not being delivered as agreed. However, the {$1500.00} transaction was denied after the merchant submitted a defense, with the bank stating that the claim fell outside the dispute timeframe. This is inconsistent with how the related {$750.00} transaction was handled and does not reflect the ongoing nature of the service. The dispute should be evaluated based on when the service failed, not the initial transaction date. I also followed the banks instruction to contact the payment processor and the merchant. The matter remains unresolved through those channels. I am requesting that this dispute be reconsidered under the context of services not rendered as agreed, and that an exception to the timeframe be applied given the ongoing nature of the service, continued merchant engagement, and consistent outcomes across related transactions.

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 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashRepublic Holdings, Inc.
State: NC

Complaint narrative:
I obtained multiple installment loans from Omni Financial over time, and each loan appears to have been refinanced or replaced by a new loan. I have documentation showing that several of these loans were marked as PAID by Omni Financial. However, Omni Financial is currently reporting a balance and has not provided a clear or complete accounting of how the balances from prior loans were carried over into subsequent loans. I made payments on these accounts, including payments through military allotment, but I have not been provided with a full payment history or a loan-by-loan breakdown showing how each prior loan was paid off, how much was carried forward, and how the current balance was calculated. The documentation I have reviewed shows multiple loans marked as paid, yet there is still an outstanding balance being reported. This creates confusion and raises concerns about whether the account has been accurately calculated and reported. I am requesting that Omni Financial provide a complete accounting of all loans, including payment history, payoff amounts, and any balance transfers between loans. If they are unable to fully verify the accuracy of the balance, the account should be corrected or 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 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XX/XX/2025, I switched my cell phone service from XXXX to XXXX. My number and my wife 's number were ported out. XXXX 's CSR informed us that he would handle our cancelation with XXXX. We visited the XXXX store in-person on XX/XX/2025 to confirm that our business was concluded with {$0.00} balance due + to return equipment belonging to XXXX. XXXX 's CSR at XXXX XXXX store XXXX XXXX name XXXX, affirmed verbally that our business was concluded, with my final bill having been paid XX/XX/2025. XXXX sent me an email confirming receipt of returned equipment ( WiFi Router ) on XX/XX/2025. Without ever sending another bill to either my residence or my email, XXXX forwarded a supposed debt of {$410.00} to SRM, a collection agency. I have never paid a bill late in my life. Seeing this derogatory remark on my credit report horrified me. The idea that I would skip out on my obligations is in basic violation of my ethos. So, I called XXXX to get to the bottom of it. They gave me XXXX information, referring me instead to the collection agency. I wrote to SRM disputing the validity of this remark and requesting verification of the alleged debt. I also disputed the negative remark with all three credit bureaus. SRM sent me a bill for a third cell phone number -- ( XXXX ) XXXX -- a number we never had a device for, a number we never used, a number neither me nor my wife recognize at all, and a number which even XXXX acknowledge had a total data use across our years of service with them of XXXX GB. SRM was asked in writing to provide copies of an original contract bearing my signature. They refused. They just sent copies of bills that I never recieved for a phone number we did not use, at all, ever, and which they themselves acknowledge was never used for a single call or KB of data even once during our years of service with XXXX. This attempt to collect over {$400.00} for a device that did not exist and for services that XXXX itself acknowledges in its usage report were NOT rendered AFTER mine and my wife 's numbers were ported out, AFTER I returned their equipment, and AFTER I requested, in-person, verification that our business was concluded with no balance due is deceptive, and the decision to skip me and go straight to a collection agency must be castigated as improper and underhanded by any impartial body. This is wrong. I will burn money on a lawyer before I let them extort me for services I did not receive on a device that did not exist. Thank you for your time and attention. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I refinanced my vehicle with XXXX and signed the paperwork in late XXXX. They sent the pay-off, but then received a notice from Ford Motor Credit that the payment was returned due to an issue with the check. XXXX sent another check again and the payment was returned once more. I did submit a complaint to XXXX due to the issue with the payoff, and they responded and reached out to Ford about the payment reversals and they agreed to receive the payment. They sent another check on Friday, XX/XX/XXXX, and just received notification this morning, XX/XX/XXXX, that the check was not being accepted. In the mean time, I am on the hook for XXXX car payments that I can not afford as this back and forth keeps occurring! I have refinanced my vehicle with XXXX before and had no issues, not sure why Ford is not accepting the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I am submitting this complaint against THE CBE GROUP regarding the reporting of an alleged collection account that has not been properly substantiated and is currently being reported in a misleading manner. The account is listed as follows : Account Name : THE CBE GROUP Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$99.00} Status : Collection account reported as {$99.00} past due as of XX/XX/XXXX I dispute this account in its entirety. The reporting of this account raises accuracy concerns. A collection account is not an active credit obligation with scheduled payments ; therefore, reporting a past due balance is misleading and creates a false impression of ongoing delinquency. In addition, THE CBE GROUP has not provided sufficient documentation to establish that I have any legal obligation to pay this alleged debt. Specifically, I have not been provided with : The original contract bearing my wet signature Any documentation showing a complete chain of assignment Proof that THE CBE GROUP is licensed to collect debt in the State of Georgia Any documentation demonstrating a lawful basis to report this account Despite the absence of this required information, the account continues to be reported. This situation raises concerns regarding compliance with federal requirements governing accuracy and verification of consumer information.

Company response to consumer: Closed with non-monetary relief