vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Since Synchrony put my charge off with XXXX as a negative charge off this year, I am unable to read my statements for Synchrony credit through Care Credit, XXXX and XXXX. The statements look like gibberish symbols. The statements are Not in English or in Spanish. I have tried calling XXXX ( XXXX ) times and put on hold for more than an hour without being put through to an agent. This is very disturbing. I also like to Know if it is Illegal for them to ignore my calls, and to have statements unreadable for me. I would like to know if it is Illegal for them to close my other Synchrony Credit through other merchants for the one ( 1 ) negative charge off as of this year.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, Today I called capital one on getting a past due fee of {$40.00} waived as a previous conversation from last representative that assisted with payment arrangement. After the payment posted I was advised to call to follow up on the {$40.00} past due fee. 

Upon following the directions this morning, three agents including supervisor refused to put a request to listen to the calls to avoid he/she said information and just provide the {$40.00} credit onto the account. XXXX the supervisor lacked professionalism and took the request personal and refused to escalate my complaint. I explained throughly my situation and asked multiple times just to be told assumptions of my situation. Please listen to XX/XX/year> call with all agents. I would like the {$40.00} credit on to my account as a courtesy and for agents to be properly trained to avoid lack of customer service in tough situations. 

Agent ID : XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I opened a XXXX Credit Card with Synchrony Bank to take advantage of the 0 % interest promotion for replacing my HVAC system at home. There was/is an auto-pay set up to pay $ XXXX per that agreemnt. 

I made a few purchases in late XXXX, early XXXX ( 2025 ) on the card that I knew would be charged interest. On XX/XX/XXXX, not able to do a one-time payment on their portal to pay off the non-promotional balance myself, I contacted them on their online chat. The associate worked with me to submit a one-time payment of {$930.00} and change to pay off the non-promotional balance. I was not informed that this payment would cancel the auto-pay scheduled later in XXXX, and XXXX would be applied to the promotional balance, and only the remainder to the interest-bearing amount. 

On XX/XX/XXXX I saw that I was charged interest on XX/XX/XXXX, and again spoke with a live bank agent on the online chat. I learned about the issue in XXXX. The agent said they couldn't submit a request to waiver the interest charges until I paid it all in full. I asked what that full payment amount was ( XXXX + remaining non-promotional and interest balance ). They told me the amount and helped process this payment on XX/XX/XXXX. I was under the impression that everything interest-bearing was paid off ( last charge I made was XX/XX/XXXX ). 

However, on XX/XX/XXXX I saw that I was AGAIN charged an interest on XX/XX/XXXX. When I asked the associate on XXXX 's chat, they said there was still interest-bearing amounts on the account, they couldn't waiver the interest fees, and would not accept responsibility for mis-informing me, or misallocating the previous two payments. They refused to provide the chat histories, and provided no guarantee that future payments would clear the interest-bearing amounts.

I find this extremely disceptive, fradulent, and unprofessional.

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
In XX/XX/year> I did a soft credit check my options for a personal loan so by company policy I had to do a soft credit score check. Then when company showed in it site the option I found no option work for me do the same day I required to withdraw the loan application so Upgrade sent to me an email in where Upgrade indaticated the loan application had been withdrawn. To my surprise later on the same XX/XX/year> I received another email in where Upgrade said the personal loan had been denied. I never completed the loan application neither sign a final agreement by the way the personal loan application had been withdrawn I feel upgrade did Retaliation act because I requested the loan application to withdraw without had been completed the deal. Now upgrade sent that information to my credit unfairly and taking advantage and use information that is not true.if you need proof I have copies of both email just let me know where can download them to show you what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I opened a Checking and Savings account with Citizens Bank after receiving a flyer in the mail saying I'd be eligible to receive {$600.00} after completing certain activities. I thoroughly read the fine print, and the Citizens app said I was successfully enrolled in the promotion.

The terms of the offer stated I had to make a " single {$500.00} or more direct deposit '' to my new Checking account within 60 days of the account open date, and " monthly deposits of {$500.00} or more into first new personal savings account for three months of a row '' ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The same table also said the payout would be posted in XX/XX/XXXX. 

I completed both of these qualifying activities. The qualifying Checking account XXXX XXXX was deposited on XX/XX/XXXX. The Savings deposits posted {$500.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, Citizens posted a {$300.00} bonus credit to my account ( not the {$600.00} I expected to qualify for ). The app 's promotion screen said I had not completed the qualifying savings deposits. 

I called Citizens and was transferred around to a few different people. If Citizens is reading this, the phone people were kind and apologetic, and I appreciated their help, but weren't able to resolve the issue. 

They were able to find the promotion on their end, and admitted I had completed the steps successfully, however, in the backend, my new savings account was marked as " inactive '', and thus ineligible for the remainder of the bonus. They were not able to tell me what triggered the inactivity marker, nor when it became inactive. The fine print of the offer also does not mention what triggered inactivity ; it explicitly told me the deadline for when the transaction must be posted by, and I met that. I did not record the call, but it may have been recorded on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX XXXX XXXX because with it, came a 10 % off first purchase promo that expired 30 days later. On XX/XX/year>, my credit limit was near full, so I made a payment to restore my available credit. It took them 2 weeks to process the payment and reward me back with the available credit. By the time my credit was restored, the 30-day 10 % off first purchase promo had ended. A week or so before this happened, I spoke with a phone rep from Synchrony to ask what can be done about this. They told me to just call again when the offer expires, and they'd be able to extend it since I never used it in the first place. So today, I made a phone call to them, and the phone rep I spoke with told me they weren't able to extend the promo, and even asked the supervisor about it who confirmed this. The original phone representative I spoke with who said it could be extended gave me false information, and because of the 2-week hold placed when I tried to make a payment to restore my available credit, I ended up never getting a chance to use the 10 % off first purchase ( Which is the whole reason I applied for this credit card in the first place ).

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I asked them to dispute a few charges because they were pending and they dropped off and then venmo started charging me random amounts that I know for a fact that the company wouldn't take so I disputed them when it all comes down to it it wasn't the company 's fault it was venmo 's fault and I tried to withdraw all of my disputes that I had with the company and then no would not do it the three of them they gave me provisional credit that I did not want and I told them that I wanted them withdrawn and canceled and they didn't want and then they closed my account and won't answer me anymore

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/year> a dispute was filed by me challenging the obligation to of pay of the dept and a request for dept validation. As the dispute was in effect the company reported the dept as closed forcing the dispute to return in an unknown status. Information was never provided regarding dept by company and the collection account still remains on my report as closed followed by new accounts opened by same company as a means of revenge for attempting to protect myself.... This results in effect my means to survive daily life, provide for my family and effects my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an eBay credit account issued by Synchrony Bank with a balance of approximately {$630.00}. 

According to my bank statements, I have made approximately {$650.00} in payments to Synchrony, all of which have successfully cleared my bank account. 

Despite this, Synchrony is reporting that I still have an outstanding balance of approximately {$500.00} on the account. The payments reflected on my bank statements do not reconcile with the balance shown by Synchrony. 

I attempted to resolve this discrepancy through Synchrony customer support on multiple occasions, but each support chat was closed without explanation or resolution, and no payment audit or investigation was provided. 

I am requesting a full accounting review of my payments, correction of the account balance, and correction of any inaccurate reporting related to this account

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Company : Westlake Financial Services Product : Auto Loan Complaint : I am submitting this complaint regarding the repossession and handling of my auto loan by Westlake Financial Services. 

I was experiencing documented financial hardship and had been in communication with Westlake regarding my account. I was informed that a reduced amount was being offered on my account, and I attempted to make a payment through the online customer portal. When I logged in to make the payment, the portal was locked and inaccessible. I attempted to call Westlake to resolve the issue, but the phone line was closed at that time.

The following day, my vehicle was repossessed.

After the repossession, I contacted Westlake immediately and advised that I had funds available and was seeking reinstatement or review due to hardship. I was told there were no other options and was not provided an auction date or clear explanation of how the prior reduced amount related to reinstatement versus payoff. I was only provided information to retrieve my personal belongings.

I later learned that Westlake is requiring payment of the auction value plus repossession fees to reinstate the loan, an amount I am unable to pay in full, despite having partial funds available immediately. I am requesting that Westlake review this matter due to the locked portal, closed phone access, and the lack of clear communication regarding reinstatement options prior to repossession.

I am requesting : 1. A formal review of my account handling prior to repossession 2. Clarification of the reduced amount previously offered 3. Consideration of a hardship review or reinstatement review prior to sale of the vehicle I am not disputing that the account was delinquent, but I believe I was not given a fair opportunity to resolve the matter due to system access issues and conflicting information.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
CFPB Complaint Navy Federal Credit Union Financial Institution : Navy Federal Credit Union Issue : Failure to credit returned/ misdirected payment Amount : {$940.00} Date of transaction : XX/XX/year> Complaint Description On XX/XX/year>, I paid my rent in the amount of {$940.00} through the XXXX XXXX XXXX, a method I had successfully used multiple times prior without issue. After making the payment, I received confirmation and left for work. 

Shortly thereafter, my residence changed ownership. When I attempted to pay my XXXX rent, the new management informed me that my XXXX balance had not been received. I immediately investigated the issue. 

I returned to XXXX and spoke directly with the store manager, who confirmed that the transaction did not transmit to the property management company. The manager provided written documentation/printout confirming this and advised me to contact my bank so the funds could be credited back to my account. 

I contacted Navy Federal Credit Union, submitted all requested documentation ( including XXXX  confirmation ), and followed up multiple times. A Navy Federal supervisor informed me that I would not receive a credit for up to 120 days. 

This response is unacceptable and places an unfair financial burden on me. I authorized a valid payment, and the funds were accepted by XXXX. If the payment was not delivered to the intended payee, the matter is between Navy Federal and XXXX, not me. 

I should not be deprived of access to my funds for four months due to a processing failure outside of my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> the transaction shown in my Cash App history, I attempted to send {$900.00} to the one intended recipient ( spouse ). Due to an error within the Cash App system, the funds were instead delivered to another recipient, XXXX XXXX, an unintended recipient. 

I do not know this recipient, have never communicated with them, and did not authorize a transfer to this account. Cash Apps transaction records show no prior contact or history between us, confirming this was not an intentional payment. 

I discovered the error shortly after it occurred and immediately requested that the funds be reversed or recovered. I also contacted the recipient directly through Cash Apps platform and requested return of the funds. The recipient has ignored all requests. 

Despite receiving timely notice of the error, Cash App has refused to take corrective action, has not conducted a meaningful investigation, and has declined to assist in recovery of the funds. Cash App has the technical ability to investigate, freeze, or otherwise remediate disputed transactions but has chosen not to act. 

As a result, I have suffered a financial loss of {$900.00} and significant XXXX  and time spent attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
I've got a letter from National Service Bureau. It says I have been named as the responsible party by their client XXXX XXXX XXXX, for the damages caused by me against their insured 's property on XX/XX/year>. And XXXX XXXX XXXX has paid {$800.00} in damages on behalf of their insured and has assigned this claim to their office to pursue collections against me. 
I categorically deny any involvement in this accident. 
XXXX ID # : XXXX Claim # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> a purchase of {$880.00} was made on citibank visa card. This purchase was for a XXXX XXXX XXXX XXXX XXXX 
It was made on a website called XXXX '. I immediately submitted cancellation request on XX/XX/year> with seller XXXX. This order was placed in error during the live auction stream. Seller XXXX from XXXX had a user in live auction who troll bidded item. This essentially means there is a XXXX  in live auction who has ability to raise intended amount a buyer ( me ) willing to pay. I Immediately contacted seller explaining issue. As this has happened before on website, with every seller understanding of common issue and refund issued promtly. However in this case they refused to approve cancellation request, eventhough there is clearly a refund period listed on sellers item description with purchase. ( please see pics I added as proof ) Item arrived on XX/XX/year>. Here is more documentation proving my return attempt and outcome. I Contacted citi bank explaining issue and followed all steps as directed. They denied my request in honoring a refund despite having all proper documentation submitted.

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 2026-01-29 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am a XXXX cardholder and made a single XXXX purchase on XX/XX/year> for {$89.00}. 

Due to merchant processing, the charge was split and posted partly in XXXX and partly in XXXX, which caused the quarterly {$75.00} XXXX benefit to be applied across two quarters. 

As a result, I was unable to fully use the quarterly benefit despite making a qualifying purchase within the correct quarter. 

American Express acknowledges the purchase date but refuses to provide the adjustment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XX/XX/year> I was told that I had four days to pay my overdue payment before any action was taken and instead of allowing the four days my car was towed after two days and when I called on XX/XX/year> at XXXX XXXX  I was told that it would be {$700.00} to get my car back but when I called back around XXXX  to make the payment I was told it was going to be {$1200.00} which was not the amount I was previously told and on top of that the company tried to get me to pay through XXXX XXXX or XXXX to services I have never previously used to make payments so the whole thing is very suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MN

Complaint narrative:
My brother sent money to my Cash App account. The account he sent it to was an old account that didnt have a debit linked to it, so I declined it. I then created a new account and tried to transfer the money to the new one. I have been in contact with Cash App support to help guide me through the process. The support team was of no help and made things more confusing. I couldnt understand them due to a heavy XXXX accent. They became very rude and short. Then told me there is nothing more they could do and hung up. So I have nobody to contact to get this resolved.

Company response to consumer: Closed with explanation