vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/year>, Commerce Bank transferred {$22000.00} from my checking account and gave it to a stranger who has the same name as my wife. I was able to notice this on the same day it happened and went straight to my local branch. They were able to get this corrected, but I would like a detailed description of how this happened, what steps my local branch took to get this corrected, and what steps or changes have been put in place, so this does not happen again. I have complained to their corporate headquarters but have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a small business owner. XXXX withheld approximately {$300.00} in merchant funds from card transactions processed on XX/XX/XXXX. XXXX claims the funds were paid and provided a payout ID but has failed to provide any ACH trace number or return code. My bank has confirmed that no ACH deposit, attempt, or return was ever received. 

I sent a formal written demand and follow-up. XXXX acknowledged receipt and issued a claim record number but has provided no substantive response or resolution. The funds remain unpaid over two months later. 

I am requesting immediate reissuance of the funds and regulatory review of XXXX failure to transmit or account for merchant funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
See attached the 4 letters showing our insurance paid off the damages to the car after the accident in XX/XX/year>, which are the images your system is reflecting. Please update and XXXX our balance. 

If you need additional information to locate our account reach out at the number below. 

See below for payments from insurance and attached invoices from both Hyundai in South Carolina as well as XXXX XXXX for damages fixed from accident before car was auctioned off. All detailed line items directly conflict with your images which were taken BEFORE the damages were fixed. All matters can be confirmed via invoices, payment totals, and dates. Update the account accordingly and clear our balance as this car 's damages were fixed at our expense through insurance and not at the expense of Hyundai, like you are claiming. 

This information could easily be confirmed with any due diligence. This is a huge systemic error on Hyundai 's part with lack of communication between programs/facilities and should be addressed moving forward so no one else encounters such egregious hurdles.

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: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account National Credit Systems # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

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 is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I am formally disputing the accuracy and legal validity of the account being reported by Sequium Asset Solutions regarding an alleged debt associated with XXXX at XXXX XXXX, in the amount of approximately $ XXXX. 

According to my credit report, this account was first reported to me in early XX/XX/XXXX and lists the account as having been opened in XXXX. This information is inaccurate and misleading. 

I did not reside at XXXX at XXXX XXXX in XXXX. During that time, my residence was XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. My tenancy at XXXX at XXXX XXXX occurred approximately eight years earlier, during XXXX, at which time I was released from the lease due to uninhabitable living conditions caused by neighboring units. The lease termination was authorized, and I was not informed of any outstanding balance at the time of release. 

Upon contacting Sequium Asset Solutions, I was told the alleged balance consists of approximately {$1000.00} in rent and over {$3000.00} in utilities and fees. I dispute both the existence and the amount of this debt. It is not reasonable or lawful for utilities and fees to accrue or be asserted years after a lease termination, particularly nearly a decade later. 

Further, reporting this account now raises serious concerns regarding : Accuracy of the reported open date Improper re-aging of an alleged debt Statute of limitations issues Failure to provide timely notice Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I am requesting that this account be fully investigated, including verification of : The original lease agreement The lawful termination of the lease The alleged balance and how it was calculated The date of first delinquency Proof that I am legally responsible for this debt If Sequium Asset Solutions can not provide competent and complete verification, I request that this tradeline be deleted immediately from my credit file. 

Please provide written confirmation of the results of your investigation as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, a merchant processed a refund in the amount of {$1300.00} to a XXXX credit card issued by Truist Bank. The card had been cancelled prior to the refund, and associated business account is no longer active. 

The merchant provided the Acquirer Reference Number ( ARN ) XXXX confirming that the refund was successfully processed through the XXXX network. 

Truist Bank has been unable or unwilling to trace the refund using the provided ARN or escalate the matter to the appropriate back-office card operations or settlement team. Front-line representatives state they " do not see the refund '' or they are " unable to open the account '' and have not opened a formal refund trace or provided a resolution. 

XXXX  refunds to closed cards are routinely credited to issuer suspense or settlement accounts and require manual tracing. Truist has not performed this trace nor offered to issue a check or credit an alternate account. 

I am requesting that Truist Bank properly trace the refund using the ARN, locate the funds and remit to me the refund via check or other appropriate means.

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 is not yours
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I am submitting this statement regarding a false and unverified collection Synergetic Communication Inc is reporting under XXXX XXXX XXXXXXXX. I do not owe this debt, do not recognize this account, and have no relationship with this company or any creditor they claim to represent. 
This collection is currently being reported to XXXX and XXXX 
On more than one occasion, I sent Synergetic Communication a written dispute and a formal request for debt validation. It has been over 30 days, and they have not responded in any way, nor have they provided proof that this debt is valid. They did not send any agreement, contract, account history, assignment documentation, proof of notices, or anything showing I am responsible for this alleged debt.

Despite failing to validate, Synergetic Communication continues to report this account to the credit bureaus. Their lack of response and continued reporting violate several provisions of the FDCPA, including failure to validate the debt, as well as provisions of the FCRA, which require furnishers to report accurate information and correct errors. 
This unverified collection is causing damage to my credit standing and creating unnecessary financial stress. 
I am requesting that Synergetic Communication either : Provide full and legitimate validation of this alleged debt, or Remove the collection account ( XXXX XXXX XXXXXXXX ) from XXXX XXXX XXXX immediately. 

I also request the CFPB to document XXXX XXXX failure to respond within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
I filed a dispute with Chase Back over an ATM ( not Chase ATM ) and my funds were not dispersed. My statement showed the transaction along with the withdraw but because I did not receive the funds, I thought it would go back into my acct. After a day I saw the charge on the statement so I just thought it should be an easy resolve. I have been with Chase over 10 years, and the charge was not that much, and it was at ATM with cameras so I thought it would be simple investigation. Two months later the investigation concluded and I was still charged. This really upset me because I know there couldn't have been much investigation because it was clear I did not receive the funds, but when I called the answer was that they investigated and the ATM showed the funds were dispersed. That is clearly what I am challenging. I was told that is all the investigation they will do and I need to go to the ATM and try to get my funds back that way. So, I do not know what to do next. How do I know that this bank will assist me if I have a problem again in the future. I was left just feeling lost, so I am asking for help in resolving this.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request goodwill consideration regarding a late payment reported on my auto loan with XXXX XXXX XXXX XXXX. 

During this time, I experienced a short-term financial hardship that caused my payment to be submitted later than usual. This was not intentional, and I take full responsibility for the delay. 

Prior to and after this incident, I have made every effort to manage my account responsibly and remain committed to maintaining a positive payment history. This late payment does not reflect my overall credit behavior or my intent as a member.

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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Bought a XXXX at XXXX. Was told they offered XXXX XXXX interest for XXXX months. They did not disclose it was actually differed interest. I've attached the bill of sale where the XXXX rep wrote XXXX XXXX. I take responsibility for not noticing the false description, but misleading info is costly. I did not receive statements to warn me about the deferred payments ending because I was on electronic auto pay. 
I missed XXXX payments and paid my balance down to {$1600.00} from {$9000.00} in XXXX. Synchrony raised my balance to XXXX in XXXX. Extremely excessive predatory lending. 
I have tried twice to get a balance to pay off the card to end the cycle of retro active interest being added every month. Synchrony refused to give me that number but admitted retro interest would keep adding on every month between statement date and payment received. 
I'm willing to pay interest on the balance that accrued after the XXXX year promotion ended, {$1600.00} balance for XXXX months, but {$4500.00} interest is crazy.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
After the XXXX XXXX XXXXXXXX system transition in XX/XX/year>, an unexpected {$80.00} processing fee appeared on my XXXX payment for the first time. This fee had never appeared in my payment history before. 

When I contacted customer service, I was told " nothing changed '' during the transition - yet the company CEO ( XXXX XXXX ) simultaneously sent emails to customers acknowledging " systemic issues '' with the XXXX XXXXXXXX XXXX affecting longtime members. 

Customer service has now responded XXXX times with scripted deflections : - Claiming they " don't have access '' to verify if fees existed before - Telling me to investigate with my property management - Most recently, pretending they don't understand the issue after already acknowledging it twice I responded to the XXXX 's email about transition issues, and my response was misrouted to the same customer service rep who continued giving scripted non-answers. 

I have a XXXX XXXX XXXX XXXX. After XXXXXXXX XXXX XXXX transition, unexpected fees appeared on my account. XXXXXXXX XXXX customer service is non-responsive and refuses to investigate. I need XXXX XXXX to review the merchant processing changes and investigate why fees that never existed before suddenly appeared after the transition.

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 is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am demanding that your company immediately stop all communication and collection activity regarding any alleged debt you claim I owe. 

I do not acknowledge or accept responsibility for this debt, and you have failed to provide any valid proof verifying its legitimacy or my obligation to pay it. Your ongoing contact attempts, collection actions, and credit reporting have caused unnecessary stress and harm to my credit reputation. As you are well aware, once a consumer issues a written cease and desist, you are legally prohibited from making further contact except to confirm compliance or notify of specific legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
navy federal said i had account XXXX that wasnt me opened fraudly

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
The promotion for the XXXX XXXX credit card had {$200.00} XXXX XXXX  upon approval and {$200.00} credit after {$500.00} spent in the first XXXX months. I only received the latter. 
Chase did not provide XXXX XXXX with the needed application information for XXXX XXXX to send me my {$200.00} XXXX card. 
Chase said I needed call XXXX XXXX, but I have spoken with XXXX XXXX and they said they need information that only Chase can directly provide in order to send me my {$200.00} XXXX card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: OH

Complaint narrative:
On XX/XX/2025, I notified XXXX XXXX my account information had been stolen and someone in another state had closed my card and ordered a new one. XXXX XXXX said they closed the fraudulent card. I had to prove my identity with multiple IDs to get a new card because XXXX XXXX was aware of the reported fraud. Meanwhile, On XX/XX/XXXX there were XXXX withdrawals made in XXXX, MA - {$13.00}, {$460.00}, and {$470.00}. I do not know anyone in XXXX, MA. I have never been to MA. I did not authorize anyone to use my card for these transactions, and they were done with a card that was supposed to be closed. I filed a fraud report with XXXX XXXX  on XX/XX/XXXX to report these transactions. Today, XX/XX/XXXX, I received a letter from XXXX XXXX that they researched and that these transactions were not fraud, so I am not entitled to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I reached out to American Express serve because I received an email that the company was closing by XXXX of this year upon me reaching out I was told that I have a balance on my account that was {$1800.00} I believe and was told by a representative to write a letter to the company explaining what I was intending on doing which was receiving the funds off the account because it was closed, and I was told over the phone that I can not receive the funds due to compliance, but was not told what exactly that means

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NE

Complaint narrative:
Early in late XXXX and in XXXX, when it was announced that student loan programs were changing, my loans were put into administrative forbearance, which led to the months not counting toward my XXXX  payment. Some months were reported as not qualifying, while others were not. I applied to change my payment plan to one that would count, and have been waiting for months for this to be taken care of. I have contacted Mohela numerous times via secure messages and phone calls. The secure messages are never answered, and the phone calls just lead to them telling me they don't know anything. This has led to multiple months sitting in limbo, being charged interest, and my payment count for XXXX is standing still. This is happening to thousands of people trying to take care of student loans, and we can't do anything! I have taught for 21 years, and all I want is have my loans forgiven and have met the criteria, but I am being held XXXX by loan companies and the Dept of Education.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 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: GA

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Account Unknow last four of social # XXXX account balance {$610.00} I am unaware of this debt and did not have the opportunity to dispute this account If you believe you sent proper notification please provide XXXX Mail with receipt displaying my signature. If not please delete account as soon as possible from my report or i will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I disputed an alleged auto loan deficiency balance with Santander Consumer USA and requested full validation under Michigan law and the XXXX, including auction documentation proving the vehicle sale was commercially reasonable. Santander failed to provide any validation within XXXX  days. Instead, they continued collection efforts by sending a settlement offer via text message. This is improper collection activity on an unvalidated, disputed debt. I am requesting that Santander either provide full validation or withdraw the deficiency balance and cease all collection and credit reporting.

Company response to consumer: Closed with non-monetary relief
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: TRANSWORLD SYSTEMS INC
State: TX

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

Company response to consumer: Closed with explanation