vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX : Huntington National Bank Account : Representative Payee Account for the Benefit of XXXX XXXX Account No. ending in XXXX Nature of Complaint : Unauthorized Electronic Funds Transfer ; Failure to Provide Adequate Investigation and Written Explanation I am submitting this complaint regarding Huntington National Bank 's refusal to reimburse an unauthorized electronic funds transfer involving an account that I maintain as representative payee for my XXXX daughter, XXXX XXXX. Approximately six weeks before XX/XX/year>, I received a telephone call from an individual falsely claiming to be associated with the investigative division of XXXX and/or XXXX XXXX XXXX Shortly thereafter, I discovered that {$2000.00} had been transferred from the account through XXXX transactions initiated by an unknown third party. I did not authorize the transfer. I did not send the XXXX payment. I did not knowingly permit any other person to send the payment on my behalf. I did not provide my online banking credentials, password, PIN, or any one-time verification or security codes to the caller or any third party. To the best of my knowledge, the transaction was initiated from a device that was not mine and was not authorized by me. Upon discovering the unauthorized transaction, I promptly notified Huntington National Bank and fully cooperated with its investigation. I subsequently sent a detailed written dispute letter to the Office of the Chief Executive Officer on XX/XX/year>. After receiving my letter, I initiated a telephone conference with XXXX who informed me that it would not reimburse the loss. However, XXXX has refused to provide a meaningful written explanation of its decision. The Bank has not explained the basis for its determination, the authentication methods allegedly used, the device information associated with the transaction, or the evidence upon which it relied in concluding that the transfer was authorized. Despite my request, Huntington has not provided copies of relevant records, including authentication records, login history, device information, IP logs, transaction records, or other documents relating to its investigation. I have maintained this account, or a predecessor account with Huntington and/or its predecessor institution, for approximately eighteen years. The funds involved are maintained for the benefit of my XXXX daughter. I am deeply concerned that Huntington has denied my claim without providing any meaningful explanation or supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX we made a mobile deposit of {$15000.00} dollars to Wells Fargo from our mortgage company in the form of a check for refinance funds to pay for pressing medical bills for my wife. When the deposit was made, it said {$270.00} dollars would be released the next business day and the other amount would be on hold until XX/XX/year>. When I looked in my account the next business day, nothing was deposited. I called Wells Fargo customer service and was told the entire amount was now on hold and would be released on XX/XX/year>. I told them this check was from our current mortgage holder that has been pulling payments out of our checking account for 7 years. They would not help. I then asked if they could call the issuing bank and verify the funds were legitimate and they refused. I again called them on XX/XX/year> to ask them if they could call the issuing bank and verify funds as I was in desperate need to pay medical bills for my wife. They still refused. I told them it was against the law to hold the check for so long and not release anything to my checking. They could have cared less. I told them we have been customers for over 8 years and out mortgage holder issued the check which has been pulling payments out of our checking for 7 years and I need the money to get these bills paid. They would not help. I told them I was going to call an attorney unless they follow the law. I also sent emails to them asking for help on this and have heard nothing 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 non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank improperly closed my Lowe 's credit account and my CareCredit account despite my repeated efforts to make substantial payments and despite a long history of responsible credit management. On XX/XX/year>, I opened the account and charged {$26000.00} for a home renovation project. On XX/XX/year>, I attempted to make a payment of {$24000.00}. Synchrony advised that my bank account information was incorrect, despite my verifying the information with my bank and multiple times with customer service representatives. On XX/XX/year>, I submitted a {$1000.00} payment using the same bank account information. Synchrony stated that my account would be held until the account was verified. That payment successfully cleared my checking account on XX/XX/year>, proving that the bank account information that I provided for my payments on XX/XX/year> and XX/XX/year> were accurate. On XX/XX/year>, when I attempted to make an additional online payment of {$23000.00}, I discovered that the account had been closed. A Synchrony accounts manager informed me that the account was closed by the corporate office due to a purported " high risk of failure to pay. '' I also discovered that my CareCredit account with Synchrony was also closed with no explanation. This determination is unsupported by the facts. At the time the account was closed, I was actively attempting to make a payment of {$24000.00}, which is the entire non-promotional balance XXXX XXXX XXXX ) on the account when the account was closed. In fact, I authorized a payment of {$23000.00} as of XX/XX/year> prior to contacting Synchrony customer service by telephone at XXXX XXXX XXXX, and the account manager confirmed that the payment is currently processing. My payment attempts are documented but those attempts were repeatedly delayed by issues that Synchrony attributed to allegedly incorrect account information that was later proven to be incorrect. Synchrony also closed my CareCredit account despite my history of responsible account management and full payment. These actions have negatively affected my available credit and may damage my credit profile. I request immediate reinstatement of all closed accounts, restoration of original credit limits and account history, correction of any adverse credit reporting, and a full explanation of the basis for the determination that I represented a high risk of failure to pay.

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 2026-06-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 607 ( b ). I previously submitted an online dispute detailing egregious reporting violations by debt buyer Midland Credit Management ( Account # XXXX ). Instead of conducting a meaningful investigation or deleting the unverified data, XXXX simply updated the trade line and finalized the dispute in XX/XX/XXXX. As proven by the attached official screenshots taken directly from XXXX XXXX portal : 1. XXXX XXXX backend system is displaying severely corrupted data flags. Under the account comments, it explicitly states : " Invalid date, Invalid date, Invalid date. '' XXXX can not legally claim an account is " verified '' or accurate when its own database categorizes the account history dates as invalid. 2. The account terms are falsified as a " 1 Month '' loan agreement. I have never entered into a short-term 1-month credit agreement with Midland Credit Management. 3. The report contains a fatal timeline contradiction, listing the account opening date as XX/XX/XXXX, while simultaneously displaying a status update from XX/XX/XXXX. Experian has completely failed to maintain reasonable procedures to ensure maximum possible accuracy. They are actively permitting a debt buyer to re-age and manipulate a corrupted account file monthly to depress my credit scores. Because XXXX XXXX own system documents this information as invalid, this trade line can not be legally verified and must be permanently deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> at XXXX I made a deposit on {$4700.00} in {$100.00} bills. Today is XX/XX/year> and the bank decided an investigation on why the money has not yet been posted on my account. Even tho I have the receipt, and they can see on their end the money has not been deposited, I still have to wait 10 business days for a possible partial credit, and 45 days for a final decision. Thats my salary, and I am gon na be behind all my bills.

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 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
The XXXX XXXX debt collector- " States Recovery Systems '' investigated and has closed and returned account to vista irrigation district on XXXX. Well states recovery systems did not close the account like they said they would, because I received an email from experian stating that nothing has changed. Was placed back on my credit report. Please remove the following discrepancy from my credit report. Please ask creditor to show proof of service with my signature and social security? This is not my debt and there is plenty of proof that was submitted. All they have to do is verify the correct way. Enclosed are the updated documents. This is my deceased fathers account as you will read on the vista irrigation district statement. We have the same name. He is XXXX and I'm XXXX. Simple. I also haven't lived at my fathers house for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
I booked flights to XXXX XXXX on XX/XX/XXXX. XXXX airlines shutting down on XX/XX/XXXX i didnt receive any services. I was suppose to fly out on XX/XX/XXXX and fly back XX/XX/XXXX but I didnt get to take my trip because they shut down. Between flights and traveling insurance I spent almost XXXX . I reported these issues to chime and they denied my dispute when I literally gave them proof of everything. I need my money back i didnt get to take my trip and robbing someone of XXXX $ is crazy my money should of been refunded with no issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am a victim of severe identity theft, and a fraudulent XXXX credit card account ( issued by SYNCB ) was opened in my name without my knowledge, authorization, or consent. This unauthorized store card account was illegally reported directly to my credit files this XX/XX/year>. I have already taken formal action by filing an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is attached to this complaint as conclusive evidence that this SYNCB/XXXX XXXX XXXX credit account is entirely fraudulent. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), financial institutions and credit providers are strictly prohibited from continuing to report or furnish negative trade lines once they have been formally notified with an official federal report that the account stems from identity theft. SYNCB is in direct violation of my consumer rights by continuing to report this fraudulent account, which is severely damaging my credit history and causing me intense financial distress.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against Cash App regarding a bank impersonation scam that occurred on XX/XX/year>, totaling $ XXXX.Criminals impersonating my financial institution deceived me into facilitating two unauthorized transfers through Cash App from my linked account : Transaction 1 : {$1800.00} to CASH APP * XXXX XXXXTransaction 2 : {$2000.00} to CASH APP * XXXX XXXX complete police report has been filed with the XXXX, VA police department under Report Number case # XXXX, explicitly naming these fraudulent recipient accounts, their phone numbers, and emails.My bank has already debited my account for the full {$3800.00}, causing severe financial hardship. I am requesting that Cash Apps fraud and compliance team immediately investigate and freeze the accounts of XXXX XXXX and XXXX XXXX, trace the stolen funds, and return my {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since filing complaint XXXX, contact has escalated to include email and automated text messages. Notably, all targeted communications are addressed exclusively to my spouse by name, suggesting demographic-based targeting. We consider this pattern harassing and predatory. Mortgage protection/life insurance sold by banks are considered one of the poorest value financial products available. PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ordered a item from XXXX it was a purse way back in XXXX I finally received it XXXX. It was to late as it was a gift so I requested to send it back via XXXX way. we did that and they are saying they never received it. Yet I have the tracking info. I called wells fargo to file a complaint claim and they were no help to me, the customer service person XXXX hung up on me stating I did not file or I took the claim off. NO I did not. I want my XXXX back into our account as the item was returned in policy matter.

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I went out of town to Alabama. Before leaving i stopped by my local branch in XXXX ga, so I could change my phone number in the system so I could verify payments online. I let the teller know I was heading out of stste and I didn't need issues with my accountm she assured me everything was good to go. I withdrew {$1500.00} and went on my. I went to lunch, did some shopping and finally made it to Alabama. See this trip was different. We didn't bring stuff with just medications. We were stopping along the way to get supplies. So, we cross into Alabama and atop at XXXX. I use my card required cash back. 1st transaction successful. So I do another transaction declined what ... call truist account locks suspicious activity. Do the verification name, card number social, abd phone number even verified every single transaction from this day. Account cant be unlocked over the phone and why??? My number i had changed and verified and my local branch before even leaving the state. Do to Lexisnexis system still continuing to block my card 3 months later. I had to sleep in my car on vacation, no dinner. No access to medical devices needed daily needing to be plugged in. 2 XXXX XXXX patients, my husband and i. Had to sleep in a car with no restroom for hygiene, no restroom to use, my food, no medical devices got used, and in a place I had never been before. My safety, my life was put at risk for a protocol I followed. You system neglects to recognize it. My demand for the pain and suffering, the emotional stress im still dealing with 3 months later cause im still having verification issues 3 months later, putting 2 medical patients lives at risk. I have over XXXX in my account at the time it was locked and I had to suffer and sleep in a car due to your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received 4 calls a day from this company at this point it's just plain harassment

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 2026-06-06 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I opened a dispute with Affirm regarding merchandise that I never received. The package was shipped by XXXX and marked as delivered on XX/XX/year>. The shipment required a direct signature. However, I did not receive the package, did not sign for it, and was not present at the delivery location at the reported delivery time. The proof of delivery does not contain my actual signature. The name listed as the signer does not match my surname, and the delivery documentation states that no signature is currently available for the shipment. I contacted XXXX and opened an investigation regarding the missing package. XXXX was unable to locate the package and provided a case number documenting my report. I provided this information to Affirm and requested that my dispute be reviewed. On XX/XX/year>, Affirm denied the dispute after stating that the merchant reported the package as delivered. Affirm did not address the lack of a valid signature, the XXXX investigation, or the evidence showing that I never received the package. I am requesting that Affirm conduct a reasonable review of the available evidence and explain why I am being held responsible for merchandise that I never received. I am seeking reversal of the dispute decision and appropriate relief for the charges associated with the missing merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a Huntington Bank checking account online and, relying on Huntington 's ability to open and service accounts remotely, I updated my employer to deposit my paycheck into the account. After my payroll deposit of approximately {$810.00} was received on XXXX, I was suddenly locked out of my account without any warning, prior notice, or explanation. When I contacted Huntington, I was informed only that the account was " under review. '' On XXXX, when I called in, my account balance was {$72.00}. They told me the deposit was returned to my employer. I called again on XXXX and the {$810.00} payroll deposit is posted to my account. They still accepted my funds after restricting my account, making it impossible for me to access my funds. Huntington has refused to provide a reason for the restriction, a timeline for resolution, or any meaningful information regarding when I will regain access to my funds. The only solution I have been given is to visit a Huntington branch. However, the nearest branch is approximately five hours from my home. I find it unreasonable that Huntington allows customers to open accounts online, accepts direct deposits into those accounts, and then requires an in-person branch visit without offering any alternative verification or resolution process for customers who do not live near a branch. I have made multiple attempts to obtain assistance and requested to speak with a supervisor. After being placed on hold for more than 30 minutes, I still did not receive any meaningful assistance or escalation. Huntington has failed to provide clear communication regarding the status of my account, the reason for the restriction, the expected duration of the review, or what will happen to the funds currently being held. As a result of Huntington 's actions, I have been denied access to wages I have already earned and deposited. These funds are needed for essential living expenses. I believe it is unreasonable for a bank to restrict access to a customer 's payroll funds while refusing to provide basic information about the restriction or a practical method to resolve it. I am requesting that Huntington provide a clear explanation for the account restriction, a prompt resolution of the review, and immediate access to my funds or an alternative method of returning my deposited payroll funds without requiring a five-hour trip to a branch location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a company XXXX, and they keep charging brand new cards on my checking and Ive never given them my info. We are on debit card number three that has had fraud from them. They are blatantly not blocking transactions from them and are harassing me.

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