vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> my Amazon account was hacked along with my XXXX debit card from the Amazon website. I notified Amazon before XXXX A.M. regarding this activity on my accounts. They assured me that I would not be held responsible for activity that I did not authorize. I have been dealing with Synchrony bank fraud department and the issue has not been resolved. They continue to want to charge me for merchandise that I did not order or authorize. The Amazon team was notified via there chat system immediately when I was aware someone was on their website using my cards. The fraudster ordered merchandise and had it sent to my home address. However, I think that they had planned to change the address before delivery. I am not responsible for any merchandise that arrived at my home address that I did not order or authorize. Synchrony wants me to pay {$420.00} for things I did not order or authorize. I called Amazon the day the merchandise arrived and was instructed by the customer service representative to donate the items. So I did donate them. I have tried several times to convey this information to Synchrony fraud department but they fail to release me from any responsibility regarding this matter. I would like the issue resolved. XXXX bank refunded my money in XXXX. I did speak with a Amazon representative and she emailed me a letter for Synchrony fraud department but they still demand that I pay for things I did not order. Why can't they recognize that I am the victim. This is frustrating and needs to be addressed by someone in management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Denied my application based on frivolous and ambiguous non sense questions after I already confirmed my identity and gave my business requested. The customer service on a scale of XXXX to XXXX for effective help was negative XXXX. The whole experience was a negative XXXX out of XXXX at best. They were passive aggressive rude not Openly but it didn't feel good or right. They denied my application upon asking what they term as security questions but are just non traditional tricky questions and denied based off that and not based on facts or merits of my small business I formation or credit worthy. I asked for a reconsideration with a different manager or a more experienced client specialist and was denied with out specific reasons or solutions. Im very upset and am here to file a complaint because im 100 % sure ive had excellent banking experience with several other big banks and this by far was the worse experience I guess theres good best and better and then there is wells worse fargo. This by far is the most disappointing and negative experience ive had with banking and I just cabt believe that wells fargo operates by treating clients like this. I want solutions not excuses. They denied my business bank account based on frivolous immaterial over the phone questions. Im reporting them for depriving me of small business banking opportunities. They even suggested going in person i said where's the nearest branch to me and it was over XXXX miles or more away. I asked them repeatedly What i could do or provide in person, that I cant do over the phone and internet that would change the outcome? No answer from them. Denied me and possibly gave me a hard inquiry with out an open account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Starmark Financial LLC
State: IN

Complaint narrative:
The company, Starmark Financial, has been calling my work asking for me after I told them to stop. XXXX XXXX tried after I clearly stated to not call my work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a Toyota XXXX XXXX Service Agreement that was financed into my retail installment contract when I purchased my XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am continuing to pay interest on this warranty as part of my vehicle loan. 

On XX/XX/XXXX, my vehicle experienced an XXXX XXXX XXXXXXXX ( XXXX ) failure that immobilized the vehicle and required towing. XXXX XXXX XXXX documented the failure on a repair order. At the time of service, I was informed that a warranty claim had been submitted and denied. Based on this representation, no repair was performed and I incurred out-of-pocket expenses including towing and rental costs. 

I recently discovered through Toyota and XXXX XXXX  channels that no XXXX XXXX claim was ever submitted by the dealership. This constitutes a breakdown in the warranty claim process and resulted in detrimental reliance on incorrect information provided to me as the consumer. 

Toyota Financial Services representatives have now refused escalation and reimbursement review based on the passage of time, despite the delay being caused by the dealerships failure to submit the claim and misrepresentation of claim status. 

As a result, I am paying for a financed warranty product that was not properly administered or honored at the time of failure. I am requesting regulatory review of this handling, correction of the claim submission failure, and appropriate financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I was put into the SAVE student loan repayment program at some point after COVID. I made all payments under that plan ( and my prior plan -- I've never missed or made a late payment ). All of my employment since my hire date of XX/XX/XXXXXXXX  is verified as a qualifying payment through XX/XX/XXXXXXXX  ( per the studentaid.gov website ). Since XX/XX/XXXX, I've been in a forbearance I did not ask for and do not want to be in. I want to be in a qualifying repayment plan so that I can make progress on my student loan forgiveness. I applied for a new income based repayment plan ( most recently in XX/XX/XXXXXXXX  ) and my application is still listed as " processing. '' I've never received any follow up regarding any of my applications for a different repayment plan. At some point, Mohela became Mohela.studentaid.gov and when that change happened, ALL of my payment history disappeared. The current Mohela.studentaid.gov website has none of my prior payment history, shows only my total current balance, and that my next payment is scheduled for XXXX. The only history I'm able to access, is the information available on the studentaid.gov website ( different than mohela.studentaid.gov ) which shows only how many months I've had my loans, how many qualifying payments I've made, and which months are ineligible due to forbearance ( XXXX XXXX ), but does not show any prior payment amounts, due dates, dates paid, etc. I don't have documents to provide because they no longer exist due to servicer change after servicer change. I've made a complaints with Mohela and gotten zero response. XX/XX/XXXX will be 10 years since I started working for a qualifying employer and throughout that time I have paid ( or have been prevented from paying on ) my loans. I have spent nearly 10 years at a job for the promise of student loan forgiveness only for politics, bureaucracy, and ineptness to have thrown my entire life off course trying to wade through this mess. They have created an impossible system where many of us have worked nearly a decade with the promise of loan forgiveness only to be left with what feels like no recourse, no answers, and no end in sight. Please help us.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
This letter serves as formal notice that I am demanding you cease and desist all communication with me immediately regarding any alleged debt or account you claim to be associated with my name. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). Effective immediately, you are not authorized to contact me by phone, mail, email, text message, or through any third party. This includes attempts to collect, discuss, or otherwise communicate about any alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CFPB Case Nos. XXXX and XXXX Accounts : Personal ending XXXX/ Business ending XXXX Citibank has never provided me with any explanation for the closure of either my personal or business credit card accounts. 

The original closure letters dated XX/XX/XXXXXXXX  contained no stated reason. Citis subsequent response dated XX/XX/XXXX likewise did not identify any violation, misuse, delinquency, fraud, or compliance concern relating to either account. 

Citis response states only that, because I was an authorized signer on a business account that was closed, Citi determined it can no longer offer me financial service products. However, Citi has never explained why the business account itself was closed, nor whether any individualized adverse determination was made regarding me personally.

I have repeatedly requested clarification and a manual review. To date, Citi has declined to provide any substantive explanation or documented basis for its actions. 

I am seeking transparency, clarification, and reconsideration, not damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Today XX/XX/year>XXXX  Wells Fargo deducted {$1200.00} from my bank account for an unpaid credit card with Wells Fargo. It is in a post judgement phase with a legal group. Wells Fargo stated they can take as much money out of my account as they want and only have to leave me with {$1000.00}. I have XXXX XXXX ( an XXXX XXXX XXXXXXXX ) and now can not afford to pay my bills or pay for my medications. In Delaware, I thought they could only garnish wages ( not seize from the bank account as any agreement does not supersede federal law ) due to 10 Del. C. 3502 ( b ). How are they legally allowed to take more than 50 % of my paycheck and continue to do that? Do I have a case? I am in contact with a bankruptcy attorney to file, but I needed then money to pay for that first which now is gone due to unauthorized seizure of funds from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I previously had a checking account with Wells Fargo and the balance became negative. I wasnt able to pay it right away so they closed it which is understandable. I have paid it off already and have tried to open a new account, but Wells Fargo told me that collections wont allow me to and Wells Fargo is doing everything they can but its just a waiting game with collections and its been a really long time and collections hasnt responded. I also opened a new account with XXXX XXXX  and I tried to open a savings account, but I didnt get approved for it and they would not tell me why. I was able to open only one checking account, but I wasnt able to use any other accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: MI

Complaint narrative:
The cashier at the XXXX in XXXX XXXX, XXXX XXXX MI asked if I had a rewards number with them, I said yes and gave my phone number, then she asked for my ID to verify my account, and then she said I could get the whole purchase free because of my rewards. I figured I just may have earned lots of rewards over the years and it covered todays purchase. I was a little surprised but I said if my rewards cover the whole purchase that would be great. Then she said they would just need my social security card to do that, and I said If this is for signing up for a credit card I dont want to sign up for that. She said Well make sure you dont sign up for the card, just put your social security number in and well get the discount for you. They absolutely do not need my social security number to apply a simple reward, so I said no I am not providing that and she completed the transaction without signing me up for the card. This was very sneaky as she did not disclose that she was signing me up for a credit card, and even tried to sign me up for one even after I expressed that I do not consent to the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX and the furnisher are reporting an obsolete account without a Date of First Delinquency, in violation of the Fair Credit Reporting Act. The account is being re-aged through monthly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I called Chase Bank multiple times with regards to wanting to close my account and also to figure out why I was being charged fees. They never once returned my call. I had to go in person and they were only ever able to refund one of the fees after I asked for all the fees to be refunded and they only closed one out of two bank accounts so I would like all my money back and the other account closed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
My Name is XXXX XXXX. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account at XXXX XXXX XXXX Acct. 
This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. I have enclosed a XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX Report in XXXX XXXX # XXXX. Their XXXX Address is XXXX  / Phone Contact XXXX. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notifythe business where the account was opened, XXXX XXXX XXXX and tell them the debt is the result of identity theft. I spoke to someone in your office 3 times regarding this fraud and today on XX/XX/XXXX your advisor whom spoke to me threatened that they still hold me responsible for this debt. Check your recordings. 
The approximate date took place around XX/XX/XXXX to XXXX XXXX at address XXXX XXXX XXXX XXXX, NC XXXX as per my credit report. This person, used My Name, My DOB, My SS #, & My Status Retired all Fraudulently. 
I NEVER lived in North or South Carolina. I lived in New York for 30 yrs, and Georgia since, XXXX XXXX. I have had only 2 addresses in Georgia for the last 3.5 years.

I sent a copy of my XXXX XXXX XXXX XXXX with a letter from them stating I have been paying for electric since XXXX. I filled out a Identity Theft packet Affidavit and had the sheriff XXXX witness my signature. i have gathered all letters & documentation to proof I am a victim of identity Theft. I mailed to all parties involved the same packet. 
I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. 
It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : I feel the Credit bureau are not reading through my Identity Theft Packet because its too tick with pertinent information to proof someone else used all my identity to obtain electric in another state, North Carolina, in which I never lived. I am XXXX and have no car since XXXX. I couldnt possibly live in to States. I have sent all the proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
A phone was stolen and the pin was seemingly figured out. XXXXXXXX XXXX  was then used to buy several XXXX dollars with of merchandise. Because tap to pay was used, XXXX refuses to consider the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is a complaint against Wells Fargo. On Thursday XX/XX/XXXX I deposited a cashiers check from XXXXXXXX XXXX  When I deposited it the banker and teller both told me it would be available the next day since it is a bank written cashiers check. Friday the XXXX I get notified that they put a hold on it until XX/XX/XXXX due to a recent returned check. Now I have never received a check that was returned, nor does XXXXXXXX XXXX bounce checks. I have gone into multiple branches and called multiple different agents to understand the hold. I keep getting told there is nothing they can do because the computer put the hold on it and they cant go against a computer. They have also told me that they will try to process it again on the XXXX, and that is when I told them that I have a copy of the canceled paid check from XXXXXXXX XXXX  showing that Wells Fargo received the funds on XX/XX/XXXX. The remitter of the check has also verified the validity of all of it and Wells Fargo just keeps telling me I am XXXX out of luck and they dont make errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
b"On XXXX  I sent a sale to one of my contacts and my phone who I have sent XXXX transfer previously and it lined up with a different customer on the sale Huntington bank app I have presented screenshots and filed numerous complaints with Huntington who is taking no responsibility when the transaction occurred I called the bank within seconds and was told let it clear versus them stopping it and now I'm just being ignored.\n\n\nIssue:\nI sent my phone contact XXXX XXXX XXXX. via Huntington XXXX  mobile app.  The app is showing the transaction is pending and the online is showing it went to XXXX XXXXr who is not my contact.  Initially I thought this was a typo but I see this is an app dysfunction.  In the screenshot you see XXXX XXXX is my contact and tied to the transaction.  Explain how a new token was paid to a person who is not my contact??XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I DONT KNOW THIS PERSON!!!! And Huntington has paid it out to someone I dont know.\n\nI asked both institutions to please return my XXXX to my account.  I have filed several complaints and spoke to Huntington, XXXX and Mobile app dept to no avail.  I am told no one has access to my account, XXXX  app etc...I am tired of running around!"

Company response to consumer: Closed with explanation