vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The interest rate is insane and the fees .. I paid {$160.00} in fees and the interest alone is {$190.00} and these are every monthly statement and XXXX is why I owe more than I ever charged. In XXXX I charged {$8200.00} for dental work and now I owe {$9500.00}. I make all my monthly payments on time and slightly over the amount due. I will be paying this for the rest of my life and it will be maxed and over the limit soon and I have not charged anything for over a year. I can not be the only person in PA with this issue. I saw VA won a lawsuit for this exact same XXXX. Let me find a class action attorney and take care of this fraud and thievery. I could have bought a car and had it almost paid for by now. 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 2026-06-15 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: PA

Complaint narrative:
I am the victim of a romance scam that took place between XX/XX/XXXX and XX/XX/XXXX. A criminal used psychological manipulation and coercion to pressure me into purchasing gift cards ( XXXX XXXX, XXXX XXXX, and XXXX ) using my Lowe 's credit card. The total value of these purchases was approximately {$3000.00}. I filed a fraud claim with Synchrony Bank. My claim was denied. My appeal was also denied. The reason given for both denials was that " service or merchandise was recived and delivery was confirmed. '' This reasoning is inadequate for the following reasons : * These gift cards were not purchased for personal use. They were purchased solely because a criminal coerced me into buying them as a method of transferring money to him. * Gift cards used in a scam function as a money transfer instrument, not as merchandise. The value was immediately transferred to the perpetrator. * The " merchandise received '' standard was designed for legitimate consumer disputes -- not to deny relief to crime victims whose purchases were made under duress. * XXXX 's has implemented point-of-sale scam detection training specifically because large or repeated gift card purchases are a recognized red flag for fraud. I have reported this crime to : * FBI Internet Crime Complaint Center ( IC3 ) * Pennsylvania XXXX Police, XXXX XXXX ( Case No. XXXX ) * XXXX XXXX Police XXXX NJ ( XXXX 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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/year>, Synchrony Bank sent a certified letter stating I could pay XXXX by XX/XX/year> to prevent account closure. The first delivery attempt appears to be made on XX/XX/year> but no slip was left in my mailbox. Because no slip was left, I assumed the letter had been returned to sender as I had no way to retrieve it. A pickup slip was later left around XX/XX/year>, which is how I became aware the letter was still available. During this time, I spoke directly with a Synchrony collector by phone regarding my account. At no point during that conversation did the collector inform me that paying XXXX by XX/XX/year> independently, with no knowledge of any deadline or closure threat, as I had not yet retrieved or read the letter. I retrieved the letter on XX/XX/year>, two days before the XX/XX/year> return to sender date. My bank processed the XXXX withdrawal on XX/XX/year>, proving the account was still active as I made the payment via the app from my account. Despite making a XXXX payment in good faith and never being properly notified of the closure requirement, my account was closed. I am requesting full reinstatement of my account with my original credit limit restored.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a payment to my Bank of America card. They were changing their technology and my payment didn't process. I would check daily and it would say processing that day, but it didn't process. I called several times and they kept saying it would process and it never would. Payment was supposed to process on XX/XX/XXXX, it finally processed on XX/XX/XXXX. In the meantime I was charged interest. I got a apology letter from Bank of America saying they would refund any interestm but they didn't. here is the timeline. Date Actions XXXX Scheduled Payment for XX/XX/XXXX. DUE TO BANK OF AMERICA ISSUE. PAYMENT WOULD SAY PROCESSING, but would never process. It would show next da processing XXXX Payment was supposed to process. Nothing processed and every day it would say processing next da XXXX Called multiple times to explain, payment keeps saying processing daily, but never processes XXXX Made Full Payment of XXXX. DUE TO BANK OF AMERICA ISSUE. PAYMENT WOULD SAY PROCESSING, but would never process. It would show next da processing XXXX A new statement email was sent of XXXX XXXX Again BOFA failure in processing payment XXXX Called again XXXX Called again XXXX Paid Final payment of XXXX. Closed account XXXX Called twice to complain XXXX Received Sorry letter from BOFA XXXX Called asking about why I was charged interest of {$57.00}. They again charged interest of {$1.00}. So now {$58.00}. She refunded XXXX XXXX XXXX Made payment of {$58.00} XXXX Called again and asked for refund of Interest XXXX Bank of Ameriac denied interest refund XXXX XXXX XXXX up with XXXX 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 monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I got a Check last Thursday XX/XX/XXXX from XXXX over {$150000.00}. I immediatly went to the clostest Bank Of America Branch in XXXX ( WA ). I handed over this check to the cashier and he deposited it to my account but telling me that there is a chance the funds are put on hold. Then I was told that the funds are on hold. Turning around his monitor for me I could see his official Bank Of Amreca screen and the release dates for my funds. It was clearly shown that the first credit date is XX/XX/XXXX for {$6700.00} and the rest on XX/XX/XXXX. So checking my account today, XXXX, there is NO money on my account. This has already happened several times with Bnk Of America, that checks I turn in are NOT at all credited to my acoccunt but later. I have to file so many complaints to Bank Of America, maybe it is time to change the bank. Very frustrating!!

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 2026-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VI

Complaint narrative:
Several months again Synchrony Bank requested Q-CARD holders change their Login info. Every time I tried the QVC website would not allow me to change the info so I kept using my old login info until one day I was not able to login to me account at all, making it so I could no longer monitor my purchases and make payments. The first time I called customer service they ran me around and around trying everything to reset my password, never worked so I made a payment through their phone system. I had some time to spend on this so called again, this time the representative wanted me to take photos of my ID AND send some sort of a " video '' of my face, didn't work. She said they could MAIL me a one time passcode to login, I received the letter so I called AGAIN. The rep could not figure it out so he said he wiped out all of my info so " I should be able to create a new account ''. HOWEVER I had tried to login too many times so it locked me out, he told me to wait a few days and then re-enter all of my info... guess what, IT DIDN'T WORK. I asked to be put back on paper statements and they said I would have to pay a monthly fee. I NEED TO BE ABLE TO LOGIN TO MY ACCOUNT and cant find anyone to fix the problem and I'm NOT paying a fee to look at my statements.

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX a Bill Pay transaction for {$3000.00} took place from my son 's Wells Fargo checking account to a XXXX XXXX XXXX credit card account that is not mine, without my permission or my son 's permission. On XX/XX/XXXX a second transaction took place between the same accounts in the amount of {$2000.00}. My banking sign-on information had been exposed in a data breach, and someone unknown to my family who was logged into a computer in XXXX initiated the transactions. They then deleted all the information about the payee, and we were unable to get any information from Wells Fargo or XXXX XXXX XXXX about who the payments went to. There was also a failed attempt to transfer {$3000.00} from a different Wells Fargo checking account of mine to the same XXXX XXXX XXXX account on XX/XX/XXXX that was declined due to insufficient funds in that account. XXXX XXXX XXXX did confirm that I did not have an account that the money would have gone to. I changed all my passwords. Over the next months and many phone calls, I disputed these transactions with Wells Fargo, hoping to get our {$5000.00} back. The fraud department concluded their investigation claiming that the transactions were properly authorized, and that nothing indicated an outside party using my account. I requested paperwork about the transactions from Wells Fargo, and after many delays I received extensive printed documentation that showed the relevant transactions originated from a desktop computer in California. I live in Iowa, and travelled to XXXX and XXXX around this time, but I was not in California. I brought this information to our local police department in XXXX XXXX, XXXX in XX/XX/XXXX. My son and I did not initiate these transactions, and we would like our {$5000.00} back.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Several years ago, VyStar Credit Union ended my banking relationship after I became the victim of a fraudulent check scam. I was unfairly punished even though I was the victim of fraud and did not intentionally do anything wrong. I should not have lost my relationship with VyStar because of circumstances outside of my control. Even after ending my banking relationship, VyStar allowed my credit card account with a {$2000.00} credit limit to remain open for approximately 3 to 4 additional years. During that time I continued using the account normally and relied on that available credit as part of my financial stability. The card remained maxed out for a long period of time, but I later received settlement funds and paid the balance off completely, leaving a XXXX balance and owing VyStar nothing. Later, I reported unauthorized transactions on the credit card and was told a replacement card would be sent. Instead of sending a replacement card, VyStar suddenly closed the account and informed me this was because the credit card should have been closed years earlier when my banking relationship with VyStar originally ended. VyStars own internal error allowed this account to remain open for years. Because VyStar left the account active, I relied on that {$2000.00} revolving credit line as part of my available credit. After years of allowing me to continue using the account, VyStar abruptly corrected its own mistake and closed the card, causing harm to my credit profile and worsening serious financial hardship I was already experiencing. Because of the financial harm caused by VyStars actions, this situation contributed to circumstances that eventually led me to make the difficult decision to file bankruptcy. I was unfairly punished because of circumstances outside my control, and I am asking VyStar to make things right. I request executive review and specifically request that this complaint be reviewed directly by the CEO because this matter deserves review by someone with the highest level of authority who can fully evaluate what happened and provide a meaningful remedy. I am asking VyStar to make this right by restoring the credit opportunity I lost because of this situation. Ideally, I would like my previous credit card restored with the same {$2000.00} limit. If reopening that exact account is not possible, I ask VyStar to provide a comparable credit card or another fair solution that helps correct the financial harm caused by what happened.

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Someone used my debit card ( Wells Fargo ) to make 3 separate transactions through a company called XXXX XXXX resulting in {$4700.00} of my money being transferred overnight on XX/XX/year>. My bank had texted me asking if this was fraudulent. I immediately contacted my bank at XXXX the next XXXX when I woke up and I filed a claim. My claim was denied as it was cited my card was in my possession. I also contacted XXXX XXXX and filed a claim. They have not gotten back to me. It is very hard to get in contact with this company.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, a {$7000.00} promotional charge was made to my account for veterinary services ( deferred interest/no interest if paid in full by XX/XX/XXXX ). I later disputed this charge in XX/XX/XXXX due to concerns regarding the medical necessity and documentation of the service provided. I did not receive any formal notification that the XXXX dispute had been closed or denied. The only communication I received was a survey regarding my dispute experience. I requested proof that a dispute decision notice was sent, including the date and delivery method, but no evidence of proper notification was provided. Because I was not informed that the dispute had been closed, I believed the matter was still under review. As a result, the promotional expiration date passed, and deferred interest of {$660.00} was added to my account on XX/XX/XXXX. My account continues to accrue additional interest despite the charge being actively disputed. Additionally, I have formally filed a complaint with the XXXX Veterinary Medical Board regarding the veterinary services connected to the {$7000.00} charge. This matter is currently under formal governmental agency review. Despite the ongoing dispute and government review, interest continues to be applied to my account. I believe it is improper to assess deferred interest while the underlying charge remains disputed and under regulatory review. Furthermore, interest continued to accrue on the account while the dispute was in progress and under review. I believed the transaction remained disputed and unresolved, yet additional interest charges continued to be assessed. This increased my balance while I was actively seeking resolution through the dispute process.

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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Account was opened fraudulently without my knowledge or consent in the amount of {$4600.00}

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
" Bank of America violated XXXX XXXX. I deposited a large domestic check from XXXX. I was given a written notice promising funds on XX/XX/XXXX and XX/XX/XXXX. Bank of America failed to release the funds on XX/XX/XXXX, and on XX/XX/XXXX informed me over the phone that they extended the hold to XX/XX/XXXX without providing the legally required Notice of Further XXXX or a valid regulatory reason. '' The should call XXXX imediatly and resolve that issue!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-17 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I made a purchase from a XXXX XXXX for a supplement the bill was for {$59.00} after receiving the invoice in an email a few minutes later it had a {$230.00} service charge your charge on it it didn't say what it was for my synchrony Bank credit card can't tell me what I purchased or what services I received for that amount of money it was not listed

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I deposited a check in person to navy federal credit union on XX/XX/XXXX. The funds was cleared on the XXXX of XXXX but was held. According to navy federal credit union when they called to verify the check they was told it was invalid and fraud. However after they was told this the CFO of the issuing bank called navy federal and wrote them a letter stating the check was valid and that the funds have cleared there bank account. Navy federal said that letter wasnt good enough and asked for a hold harmless letter. That was submitted on XX/XX/XXXX Ive spoke with navy federal several times and no one can give me a timeline on when the funds will be released. All Im hearing is we review letters in the order they was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My boyfriend ( I live with him ) deposited my {$5000.00} check into his account through Bank of America 's mobile app on Friday, XX/XX/XXXX. ITS A BANK OF AMERICA CHECK AND THATS THE REASON WE THOUGHT WE HAD TO DEPOSIT IT INTO HIS ACCOUNT. NOT FRAUD. Bank of America still has my check on hold and his account is now in closure. Hes been a loyal customer for 10+ years. We have gone into the branch 3 times and called at least 10 times since then and can not get any resolution or indication on when we will get not only my {$5000.00}, but the balance he already had in his account. I've spoken to representatives, given out my number, the check information, etc in addition to his numerous calls. I have the physical check in my possession and all my ID verification so how can this bank withhold this money I need for this long? They are reluctant to help us in any way and everytime we call we get the runaround, vague timelines, and a general attitude of nothing we can do for you. Horrible customer service. They seriously have XXXX compassion and half the time the representatives uninformed, uninterested, and blatantly rude when we ask for support and answers. XXXX was the only phone operator who helped us and after we gave her name and reminded the latest clueless XXXX XXXX the line is recorded she suddenly recalled our case and XXXXXXXX XXXX report. How many reviews do we need? They are messing with our livelihood and financial futures. This is the worst bank I've ever dealt with in my life. Really disheartening and stressful.

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