vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Hello, I purchased a new Air Conditioning Unit approximately {$10000.00}. The Air Conditioning Company XXXX XXXX XXXX XXXX explained I could get various zero percent pricing for various monthly offers, XXXX, XXXX, XXXX etc. I agreed and Synchrony sent over a ton of documents. I set up AutoPay and intended to pay in full once my grace period was over. My understanding and confirming over the phone with Synchrony I was in a 24 month plan so I had marked on my Calendar to pay in full in XXXX in XXXX months to be safe. I have not received a recent statement as XXXX has been in state of disaster with all the snow storms. I am still getting mail from XXXX. Suddenly, my balance went to {$9700.00} and they added with no notice or recent statement although I have never been late and on autopay nearly {$4500.00} in fees and will not allow me to dispute. I have the money to pay off the AC Immediately at what I owe. This is Criminal and they indicated the Air Conditioning Company would have to call to change the plan. The Company called and received opposite information, How does one who is never late, on autpay get hit with Over {$4500.00} in fees in swoop even when offering to pay it off in full? I want to throw up how awful this is and they were rude, bully like, assertive and made no effort to work on this situation. It just changed off he promo two weeks ago. Please help me!! This is my son 's tuition. This dispute is regarding the XXXX XXXX. I don't have the physical card. I tore it up once it arrived because I don't need it. I don't use it and prefer my XXXX. This has to be illegal. Thank you 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 monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WI

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I went to the bank on XX/XX/XXXX deposited a check in a savings account. I then got a letter in the mail 3 days later saying they were going to hold my money until XX/XX/XXXX. I proceeded to go back to the bank Monday XX/XX/XXXX with all my documents showing proof of where my check came from they said everything was good. Now the XXXX of XXXX came and they were saying that I have to wait my money is still on hold until XX/XX/XXXX. I asked why and have gotten no reason or information on why my money was being held I spoke with the bank manager this branch is in XXXX NY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Validation of Debt Request - PORTFOLIO - CAPIT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 30 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Im been wronged by Navient and XXXX they have sent me the wrong amounts on my loans. Not shown me correct information for my repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
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 30 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent multiple written cease-and-desist notices to Resurgent Capital Services, L.P. and LVNV Funding LLC instructing them to stop all communication with me regarding an alleged debt. Despite receiving these notices, the company has continued to contact me repeatedly in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). After my cease-and-desist notice, I received at least five ( 5 ) separate collection letters via XXXX XXXX XXXX XXXX and at least four ( 4 ) additional communications via email regarding the same alleged account. These communications include letters dated XX/XX/year> and additional letters sent within the same time period. Each letter clearly states that it is an attempt to collect a debt, confirming that these are collection communications and not legally permitted notices. The company continues to send letters labeled as account review, verification of debt, or account summary, which are still attempts to collect a debt and are not allowed after a cease-and-desist notice. In addition, the company uses third-party collection agencies, including XXXX XXXX XXXX XXXX XXXX which further complicates the matter and continues collection efforts despite my written instruction to cease all communication. The documents they provided as verification consist only of internally generated account summaries and do not include documentation from the original creditor sufficient to validate the debt. This behavior shows a clear and ongoing pattern of noncompliance with federal law and the FDCPA. Documents attached show my cease and desist letters sent via XXXX and EMAIL. And the repeated letters after the cease and desist was sent and confirmed received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This matter is regarding Complaint ID : XXXX. Funds were transferred from our business account to a personal account under the name of XXXX XXXX XXXX ( XXXX XXXX # XXXX ) starting on XX/XX/year>. These four transactions were done fraudulently ; we reached out immediately to the banking institution ( CHASE ) to help retrieve funds. On the first occasion in which we reached out to Chase, they were unable to provide the transactions details ( including owners account # & information ) which we now have obtained, please see attached. We spoke with Chase several times prior to creating the claim online ( both in person & on the phone ) to show that these XXXX transactions were not received into one of our personal XXXX accounts. Chase continued to state that because we owned an XXXX it was automatically assumed that the funds were sent to a known account, this was not authorized by me ( XXXX XXXX ) at any given time. However, our claims were denied due to " Originating Depository Financial Institution ( ODFI ) providing valid Proof of Authorization to show the payment was due, and the transactions were completed as authorized, without indication of attempted cancellation or processing error. '' We have never knowingly done business or sent personal funds to the account holder XXXX XXXX XXXX to whom funds were sent to. Based off the account transactions our account was used to pay this person 's XXXX which is not a routine charge done on my account. I would also like to express that even after the claim was created on the XXXX of XXXX, I was told the account was flagged and would not allow further transactions while the institution investigated. On the documents attached, you will see that the other 3 transactions were done after that initial charge on the XXXX. I would also like to request if it is possible to retrieve the method of how the authorization was obtained, ex. if on a device ( can the IP be retrieved as evidence of fraud ) if in person ( can the company provide the signed document and location of branch & time of signature ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi I have account XXXX. This account was signed up for under a bonus offer, where if put XXXX in the account in the XXXX XXXX after the XXXX XXXX is over, you get XXXX. However, they unfairly charged me a {$30.00} fee in the second month, which they reversed immediately afterwards. However, the scheme they had here was that if you put XXXX in the account as per the bonus, then you were at XXXX for several days while the fee hits and then is removed. So therefore, they are now saying I am not eligible for the {$1600.00} bonus offer. This is a clear bait and switch. They charged this fee incorrectly and unfairly. Basically they said because there was a point in the first month where my balance wasn't XXXX, they will charge this fee. But by definition if you just opened an account, of course it wont be XXXX from the literally first day, first instant of opening. So there is no way to avoid that fee, and they reversed it because they knew that was wrong. But it is a fraudulent scheme to avoid paying this bonus. Please get me my XXXX 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 2026-03-17 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: MI

Complaint narrative:
Complaint Against Capital One Credit Card Dispute Handling I am filing this complaint regarding the handling of a credit card dispute by Capital One involving a DoorDash transaction. Transaction details : Merchant : XXXX Amount : {$48.00} Date : XX/XX/year> Capital One dispute case number : XXXX My dispute concerns unsafe and spoiled food delivered as part of a DoorDash order. The baked potato included in the order was visibly moldy and rotting when it arrived. Because the food was unsafe, I could not safely consume any of the items in the order and discarded the entire order for food safety reasons. I documented the condition of the food with photographs and attempted to resolve the matter with the merchant, but the refund request was denied. I then filed a dispute with Capital One. In support of the dispute, I submitted : Photographs showing the moldy and spoiled food Documentation of my communications with the XXXX XXXX XXXX A complaint filed with the Michigan Department of Agriculture and Rural Development ( MDARD ) A report filed with the Michigan Attorney Generals office Despite this documentation, Capital One denied the dispute multiple times, including after my request for escalation to supervisor review was submitted. Capital One stated that my submission lacks all of the previously requested information needed to validate your dispute, but did not identify what specific information was missing despite my requests for clarification. The merchants response appears to rely on evidence that the order was delivered. However, my dispute has consistently been about the safety and condition of the food that was delivered, not whether the delivery occurred. Evidence that a delivery occurred does not address whether the goods were defective or unsafe. The concern in this complaint is that Capital One appears to have evaluated this dispute as a delivery issue rather than as a dispute involving defective or unsafe goods, and did not properly consider the documentation that was submitted. I am requesting that Capital One reopen and properly review the dispute based on the evidence provided and reverse the {$48.00} charge for the transaction involving spoiled and unsafe food.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Paid off a balance with Bank of America in XXXX in the amount of {$2500.00} but it was never reflected to EWS and remains on my account as fraudulent. Was provided a confirmation number after payment but no bank since has been able to open a checking account for me. Wanted to report this issue since I paid off the balance but was never reflected.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank provides no consistency in the manner in which they will allow transactions to instantly post vs pending. I made my car payment on XX/XX/XXXX in the amount of {$430.00} and the funds should have been release to the merchant. Regions opted to wait 3 days later to post the transaction and allowed other UNAUTHORIZED online payments ( not ACH ) to post, causing overdraft and returned payment fees, despite the account being locked. Regions has made erregeously did this previously in XX/XX/XXXX several times and a CFPB was complaint was filed under ID XXXX. The company never provided feedback or followed up to rectify this manner. On XX/XX/XXXX, pursuant to its authority under 12 U.S.C. 5563 ( b ) ( 3 ), the Bureau terminated the order and waived any alleged non-compliance therewith. Regions fulfilled certain obligations under the order, including, among other things, paying a civil money penalty of {>= $1,000,000} to the Bureau and issuing payments to consumers under the redress plan required in Section VIII of the order, but I was not included in this for some reason.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Debt was paid through another collection agency that reported it against my credit. I have asked multiple times to no longer be called and they continue to call me. When I told them the debt was settled they told me I was ignoring the problem and they were going to start a lawsuit against me. The representative refused to identify themselves or provide me with an employee ID number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
My XXXX payroll account, associated with Fifth Third Bank, has been frozen for over 7 months. Despite my efforts to resolve this, I still can not access my funds. The company recently claimed ( on XX/XX/year> ) that a XXXX delivery failed due to an " incorrect address. '' However, I have never provided this address to the company, nor did I authorize or request any physical mail delivery to such an address. I am located in XXXX ( XXXX ), and the company appears to be using a random or incorrect address in their system as a pretext to deny me access to my money. I have already submitted all required identification documents digitally to verify my identity. The company 's reliance on a failed physical delivery to an address I did not provide is an unreasonable and bad-faith delay. I demand that the company stops using mailing errors as an excuse. I have verified my identity through official documents, and I am a XXXX customer who needs a digital solution to access my withheld wages. The 7-month freeze on my account is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
Repeated attempts from this company to collect debts not owed by myself. Repeated communication. Was told to disregard all further communication from an agent during the last phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding Possible Finance and a remaining balance of {$14.00} on my account. While I understand this is a small balance, I am requesting that Possible Finance consider waiving this amount in the interest of fairness and administrative efficiency. Given the minimal balance, the cost and effort associated with continued collection activity likely exceeds the value of the remaining amount. I have made good-faith efforts regarding this account, and I am seeking to resolve this matter fully. Waiving the remaining {$14.00} would allow both parties to close the account promptly and avoid unnecessary time and resources being spent on such a nominal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made a purchase with XXXX XXXX in XXXX which was financed through Comenity Bank. I was told my purchase was eligible for a promotional plan of 0 % interest for a year and I agreed. I then found out in XX/XX/XXXX that I was accruing interest so I called. The representative told me my purchase was placed on three separate promotional plans ( I was never told ) and two had expired which is why I was accruing interest. I tried to argue being misled on the promotional plans but was told there was nothing they could do. I then asked the representative, to avoid any further interest regarding ALL the promotions, what amount I needed to pay. He advised to satisfy all three promotional plans and avoid any future interest, I would need to pay {$3700.00}. I told the representative that I would be making that specific payment to satisfy the promotions and he stated he would notate it on my account. I learned today that the amount I paid was never allocated to the promotional plans and I have continued to accrue interest since XX/XX/XXXX. I called again today ( XX/XX/XXXX ) and spoke to two supervisors ( XXXX and XXXX XXXX who both stated theres nothing we can do, the interest is XXXX then asked to speak to their supervisor. The final supervisor, XXXX, told me I see you made the large payment of {$3700.00}, but we cant help your money wasnt allocated to the right place, you shouldve sent a letter stating that. I advised I was never told to submit a letter and the representative advised he would notate my account. XXXX responded with well theres no note on your account. I stated I would be filing a complaint on the company and disconnected the call. So now, I have been charged approximately {$1000.00} in interest for a mistake on their employees behalf and they are going to continue to charge me interest until I pay the account in full. This is outrageous and I believe they should be held liable and at least resolve the issue of removing that added interest since XX/XX/XXXX. It should also be noted that my account balance would have been paid off, or close to it, had this mistake not have happened. I am also certain that other customers are being scammed and being sucked out of thousands. Further pertinent dates and amounts are not available as I only have limited access to statements online. I have requested hard copies but have yet to receive them.

Company response to consumer: Closed with explanation