vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid off a personal loan ( deferred interest ) with Synchrony on XX/XX/year>, several weeks before the XX/XX/year> deadline. I used the company website and choose " Payoff Loan ''. 

On XX/XX/year> the company auto-deducted a payment from my checking account. At which time I contacted the company to inquire about why they deducted a payment from a loan that was paid off. The representative cited " that's how our system works '' and that it takes 30 days for my loan to be marked as paid in full. Additionally, it will take 30 day for this payment to be reinstated to my checking account. When questioned if auto-pay would have been turned off by the company after 30 days, the representative was unsure, but stated she didn't believe so. 

A recording also stated that I would be able to leave feedback, yet the agent disconnected the call, I assume in an attempt to not allow my feedback. 

The agent I spoke to was XXXX- her number is XXXX This is not just fraudulent behavior, it's preying on people. The company could VERY easily set up their systems to un-enroll a customer from auto payments when their loan is paid off and payment has cleared, yet this company not just failed to do so, they are using this as way to pocket more money from their clients for up to 30 days and potentially longer.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
This is a second complaint submitted on a continued concern with this agency. 

They do not send account statements in a timely manner, then charge late payment fees and have threatened and reported incorrect delinquencies to my credit report. 

After months of requesting XXXX statement, they finally sent it on XX/XX/year>, and included XXXX statement as well. A payment was sent to cover both statements. 

I have then requested XXXX and XXXX statements, usually issued on the XXXX, and requested they waived late fees for nonpayments on statements they never sent me. I still dont have the latest 2 statements and they reported delinquencies on my personal credit report, significantly impacting my credit score. 

I have ccd whistleblower in all communications for reference. I have requested they send me the latest statements with corrected balance waiving all late fees and retract the reported delinquencies, so I can pay the account in full and close the card. 

I waive the right to anonymous reporting and want the CFPB to publish this description on Servicing Solutions so others can learn from my experience, be aware of their lack of diligence and improper business operations. Their failure to meet contractual obligations of sending timely statements has been used to charge me late fees and make unlawful reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To Whom It May Concern, The reason for my complaint is that I just got a new car loan with Santander through my dealership, and I have made XXXX payments and I don't know before making the payment, how much of the payment if interest and how much goes to the principal. 

After I make the payment, on the next billing cycle is when it shows how the payment was split. 

So I contacted them to request for an amortization schedule, and the representative said that Santander does not provide an amortization schedule. I requested to speak with a supervisor, who said the same thing. 

So here I am making a little more than the minimum monthly installment and I don't know firsthand how much should go into principal and interest, so I don't know if the extra payment where is being applied. 

Resolution, I would like a XXXX amortization schedule from Santander. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX my email was hacked. I contacted HSA Bank when I realized the hacker had accessed my account on XX/XX/XXXX to get assistance removing an unknown bank account that had been added and changed all of my passwords. A couple weeks later, I tried to use my HSA Card and it was declined. On XX/XX/XXXX, XXXX XXXX from HSA Bank XXXX XXXX reached out to me to verify information on my account and unlock it. I was told this was done successfully. A couple of days later I was unable to log-in to my HSA Bank account and called the XXXX number to speak to customer service. The woman at that time told me that the security procedure needed to be redone because of an issue with the first procedure- she would not elaborate on what the issue was and told me that I would receive either " an email or phone call '' from HSA Bank within XXXX business days letting me know when my account was unlocked. I never received a call. 

I called back on XX/XX/XXXX and spoke to another customer service agent who repeated that the security process was unsuccessful and needed to be repeated. The man assured me that it would be taken care of and that I would receive either " an email or phone call within XXXX business days '' if more information was needed or to let me know what the status of my account is. After not receiving any contact, I emailed HSA Bank on XX/XX/year> stating that I wanted a supervisor to call me. I contacted my employer 's HR dept. and also asked them to intervene with HSA Bank on my behalf to get some information and an explanation for why my account was still locked. 

I also called HSA Bank again on XX/XX/XXXX to try to get this situation figured out and was hung up on TWICE from members of their customer service team after pushing back on wanting a reason WHY my account is being withheld from me. 

I received a phone call from HSA Bank on XX/XX/XXXX from a member of their escalation team explaining that due to too many red flags on my account, HSA bank needed to create a new account for me and transfer all of my information to that new account and I would be contacted the first week of XXXX to confirm finalization of that and would then have access to my HSA Funds. It's now XX/XX/XXXX, I still do not have access to my HSA Funds, I have NOT been contacted by anyone at HSA Bank and I just tried calling again to speak to a supervisor and was told " there isn't XXXX available. '' HSA Bank 's handling of this matter has been unprofessional and chaotic throughout this entire time. I have proven my identity with them through multiple methods and when I have spoken to a supervisor, they say this process should only take XXXX days. This has been on-going for 2 months now and I have medical bills that need to be paid. I should not have to pay out-of-pocket when I have funds in my HSA account that they are withholding from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: KEYCORP
State: NY

Complaint narrative:
On XXXX key bank gave me credit of {$59.00} for an XXXX item I did not receive and on XX/XX/XXXX they reversed the amount saying I received item .. on XX/XX/XXXX I provided a letter from US XXXX indicating I had not received item .. a duplicate tracking number had been given to my item so it looked as though I did receive the item .., but someone else received the item.. I have reached out to the fraud department at Key bank on XX/XX/XXXX and they were going to to a priority on my case case # XXXX .. the rep also said he would personally contact me.. I still have not heard anything and this has been ongoing since XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MA

Complaint narrative:
Company Name : XXXX XXXX XXXXXXXX Type of Issue : Problem with a credit card Fraudulent charges/ Dispute not resolved Product Type : Credit card In XX/XX/year>, I purchased XXXX airline tickets through XXXX with XXXX XXXX using my XXXX XXXX XXXXXXXX credit card. During the same time, my credit card was fraudulently charged by XXXX for XXXX additional XXXX XXXX tickets that I did not authorize. These tickets were later cancelled by Booking.com, but I never received a refund. 
I filed a fraud dispute with XXXX XXXX XXXXXXXX, and my account was frozen during the investigation. Despite this, I am still receiving debt collection notices for {$3900.00} for charges I did not authorize. 
I am requesting CFPB assistance to ensure that XXXX XXXX XXXXXXXX resolves this fraudulent charge, stops debt collection, and reimburses the funds for charges I did not authorize. I have all documentation, including XXXX XXXX XXXXXXXX statements, XXXX reservation numbers, Swiss Air cancellation emails, and debt collection letters.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I am submitting this complaint regarding identity theft and inaccurate credit reporting by XXXX XXXX XXXX XXXX, related to an alleged rental debt originating from XXXX XXXX XXXX 

After reviewing my consumer credit reports, I discovered a collection account reported by XXXX XXXX listing XXXX XXXX XXXX as the original creditor. I did not authorize, incur, or agree to any rental or lease obligation with this property and did not sign a lease or move-out agreement that would give rise to the alleged debt. 

Despite the account being unauthorized and inaccurate, XXXX XXXX reported the account as a derogatory collection tradeline, including a past-due balance, to consumer reporting agencies. This inaccurate reporting has caused harm to my credit profile, including reduced credit scores and adverse credit decisions. 

Upon discovery, I disputed the account and submitted sworn affidavits of fact and truth asserting identity theft and/or misattribution. I invoked my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 609 ( a ) ( 1 ) Request for the source and method of verification FCRA 605B Demand for blocking and deletion of information resulting from identity theft XXXX XXXX failed to provide competent evidence demonstrating that I entered into a valid lease agreement, owed the alleged balance, or that the debt was lawfully assigned to them, and has continued to furnish inaccurate information to consumer reporting agencies after receiving notice of dispute and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America after noticing discrepancies in statement copies provided. Duplicate Account Statements reporting on the same account and timeline, involving contradictory account transactions. 
Transaction crossovers include ; Personal Business and Credit Card Accounts.

Unauthorized transactions, withdrawals, payments Unknown Unauthorized Account Access Unknown Unauthorized Account Control Unauthorized Account Access to Withdrawal Unauthorized Account Access to Inner Account Transfers Unauthorized Account Access to Wire Transfer Unauthorized Account Access Credit Unauthorized Account debit card Unauthorized Account Outside Account Transfer Unauthorized Account Review Unauthorized Account Spend Limits w/Alerts Unauthorized Account Control Debit/Credit Rules Unauthorized Access Juvenile Daughters account statements, debits, credits, charges, locations, amounts, frequency Unauthorized Access to control Juvenile Daughters account statements, debits, charges, limits, amounts, access Unauthorized Access Control of Account owners statements debits, charges, limits, amounts access, Exposing all travel, finaincal and personal details including healthcare, physical, mental, prescriptions, speciality appts. 
I contacted Bank of America regarding unauthorized transfers. Bank of America Fraud Department requested screen sharing in order to substantiate my claims. Bank of America screen recorded access to cellphone, laptop computer, desktop exceeding 90 minutes. During informed recorded phone conversation with Bank of America Fraud SupervisorXXXX stated Bank of America does not authorize screen sharing, XXXX opted not to provide Fraud Report or Case Number for this incident. 
I request all informaiton provided by Bank of America and all affiliates : as required for Identity Theft Victims. 

FTC XXXX FTC XXXX FTC XXXX FTC XXXX UPIS 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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
I'm being garnished for a debt obtained in XXXX. I have been living in XXXX for almost 7 years. I believe I was past the statue of limitations. Is this true? I am now being garnished and wasn't even alerted by my job and don't believe that I received anything certified from XXXX XXXX XXXX XXXX. It appears that the debt was turned over to Rolfe & Lobello , P.A . Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TomoCredit Inc.
State: PA

Complaint narrative:
Firstly the advertisement via a XXXX link was completely misleading, this company is hiding behind every legal firewall there is. The advert stated clear as day, credit line of {$30000.00}. There is no option on their website to cancel their membership, they soft lock me onto a page that says I need to schedule a phone call with them ( {$120.00} phone call they are advertising as discounted for {$0.00} ... because talking to them on the phone is the utmost privilege I will have in my life ) and then when I attempt to schedule a phone call it is 'booked up ' XXXX months. They will not answer emails, I can not remove a payment method, and can not delete account and data on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a Venmo Debit Mastercard and I had added money to the account in preparation to pay for an upcoming insurance bill. 

After putting money on the account, I subsequently lost the card and was unaware of this. 

Later that day I got an email notifying me that transactions were being declined and I needed to add additional funds to my account. 

After getting this email I noticed that I had three fraudulent transactions and several more that had been declined because the previous transactions had depleted my account balance already.

I reached out to customer service and had the card cancelled and reissued and filed a dispute on the three transactions and received a message stating they denied my dispute for the following : The amount of funds used inidcates the transactions were completed with a knowledge of of the venmo account balance and only the account holder would have knowledge of this information and there is insufficient evidence to support a claim of unauthorized use, this was fraud!

I did not authorize or make these 3 transactions and the statements about the transacation were made knowing the account balance is false! Whoever did this actually took all the funds out of my account and even tried to make more transactions and was only stopped because they used every dollar i had and still kept trying to spend but were stoppped because XXXX stopped approving charges because they had drained my account. The claim that I knew the balance is ridiculous because they tried to spend more than they had, whoever did this did not know the balance because they kept spending and charging until XXXX stopped approving, they even tried to make more purchases even after XXXX stopped approving things, this shows no one knew the account balance, they just kept charging things until XXXX stopped approving charges. 

They were also provided with a police report confirming the fraudulent use of the card and they charges listed in police report and the details of the fraud but they are still refusing to acknowdlege my fraud claim citing not enough evidence, they had a police report and a history showing additional declined transactions after they depleted the account balance. 

They are just trying to keep money they allowed to be spent frauduletly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Prodigy Finance Servicing, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding Prodigy Finances failure to account for and reissue returned loan funds, despite repeated follow-ups over several months. 

On XX/XX/XXXX, XXXX XXXXXXXX XXXX ( XXXX ) returned {$5000.00} in loan funds to Prodigy Finance. This amount consisted of my final loan disbursement and these funds were intended for tuition for the XXXX XXXX semester. 

XXXX has confirmed in writing that : The funds were sent back to Prodigy Finance on XX/XX/XXXX, and The university is fully prepared to accept and process the funds again once Prodigy reissues them.

Prodigy Finance informed me that, due to U.S. regulatory requirements, returned funds may take 13 months to reflect in my loan account. However, as of today ( more than three months later ) : Prodigy Finance has not confirmed receipt of the returned funds. 

Prodigy has not initiated or provided evidence of a wire trace or formal investigation. 

I have not been provided a case number, reference number, or clear timeline ; and My most recent emails requesting escalation and investigation have gone unanswered. 

Despite repeated good-faith efforts to resolve this matter directly with Prodigy Finance , including escalation requests and coordination with SMUs Financial Aid and Compliance teams, I have received no substantive updates. The lack of responsiveness and failure to account for these funds have caused significant financial hardship, as these funds were designated for tuition for my last school semester.

I am requesting that Prodigy Finance : Provide a formal accounting of the returned funds. 

Confirm whether and when the funds were received ; Initiate and complete a wire trace or investigation if the funds are missing ; and Reissue the funds to XXXX, as the school has confirmed they are able to process them immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ive reached out to the company regarding Louisiana XXXX XXXX getting applied to my car loan! As stated they are licensed in Louisiana and should follow Louisiana laws and approved me for the benefits! 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX referred friend to capital one XXXX XXXX for XXXX, XXXX referral bonus Friend used link for referral bonus and was approved for card and receivedsame day Capital one XXXX  to honor the XXXX referral calim they will only give {$100.00} credit

Company response to consumer: Closed with explanation