vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 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: ID

Complaint narrative:
I used Synchrony ( https : //www.synchrony.com ) to pay foXXXX XXXX XXXX XXXX was roughtly $ XXXX. There was a XXXX " promotional period '' and during that time I paid it down to {$1300.00}. When promotion period ended a few weeks ago, they hit the balance with a 35 % interest on the * initial * balance. Which was a ~ {$700.00} interest fee that brought the balance back up to $ XXXX again. That's not a problem ( per XXXX ) because I'm sure they disclosed the interest rate, promotional period, etc. My issue with Synchrony : They didn't send me any communication even though I was getting monthly balance statements via email from them. There wasn't a courtesy notice or any kind of email whatsoever. I just got the normal monthly statement, and the balance was back at $ XXXX, and only figured out what happened after I reviewed the account activity to discover that this was a XXXX XXXX interest on the initial $ XXXX credit. I would like to think that they violated some kind of creditor regulations by * not * giving me any kind of warning but that is for you to decide. I'm not saavy on these regulations. I just know that this does not serve low-income borrowers. Thank you for your time, 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 2026-04-23 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: Bilt Technologies, Inc.
State: UT

Complaint narrative:
My husband and I are filing a complaint regarding a misleading and poorly executed credit card transition involving Bilt Rewards and XXXX XXXX that resulted in unintended closure of a credit account and a negative impact on my XXXX XXXX. We were original Bilt cardholders prior to the transition to a new issuing bank. During this transition, we were clearly informed through official literature and communications that we would automatically receive the updated Bilt 2.0 card and that no action was required on my part unless we specifically wanted to switch to a XXXX XXXX product. The communication also indicated that the transition would not negatively impact our credit. Despite opting to remain with the Bilt 2.0 product, we was unexpectedly sent XXXX XXXX XXXX credit cards. Upon logging into the Bilt app, we were prompted to decline the XXXX XXXX card. At no point was it clearly disclosed that declining this card would result in the closure of a credit line. After following these instructions, our XXXX XXXX account was closed. This directly caused a drop in our XXXX XXXX due to reduced available credit and shortened account history. This outcome contradicts the assurances provided during the transition that our credit would not be impacted. This situation reflects a lack of clear, transparent communication and constitutes a potentially deceptive user experience. A reasonable consumer would interpret declining a card as opting out of a productnot as authorizing the closure of an existing credit line with credit reporting consequences. We have attempted to resolve this issue directly with Bilt through multiple complaints. We have spent hours on hold and have requested escalation through their messaging service several times. We were never given the opportunity to discuss this with a real person, we were only contacted with No Reply emails. Ultimately, we requested that the impact on our XXXX XXXX be taken seriously and that Bilt find some way to make it right. Bilt took no responsibility for misleading processes that led to closing a line of credit ; the only resolution offered to us was XXXX rewards points. We were notified in another No Reply email. This does not adequately compensate for the financial and credit impact we have experienced ; we are in the process of trying to buy a house in the next 6 months and having our credit impacted has been frustrating, especially when our credit was XXXX prior to this incident. Additionally, we are aware that many other consumers have reported similar experiences during this transition. We have responsible family members and friends in the same situation, showing a broader pattern of misleading communication and consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Problem Description : I am filing this complaint against XXXX XXXX XXXX XXXX and Ally Financial for fraudulent sales tactics, predatory lending, and deceptive signing practices. XXXX. Fraudulent Addition of Co-Buyer ( Deceptive Signing ) : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My brother, XXXX XXXX, accompanied me to the dealership. Due to our limited XXXX proficiency, the dealership staff exploited the situation. They misled my brother into signing documents, claiming it was part of the " process, '' without ever explaining that he was being signed as a " Co-Buyer. '' My brother never intended to be a co-signer or guarantor for my loan. This was a clear act of deception to secure a loan that I might not have qualified for alone under such predatory terms. 2. Predatory Interest Rate and " Add-on Packing '' : The dealership pushed a predatory interest rate of 14.44 % APR and inflated the loan principal by adding {$5900.00} in unauthorized service contracts and protection plans ( Service Contract, Maintenance, Appearance Protection, etc. ). After we discovered this and complained, the dealer refunded {$2600.00} for some items, but this proves they admitted to overcharging in the first place. 3. Refusal to Adjust Monthly Payments ( Ally Financial ) : Despite the partial refund from the dealer, the lender ( Ally Financial ) refuses to " recast '' the loan or lower my monthly payment of {$900.00}. I am being forced to pay a monthly installment calculated based on a fraudulently inflated original balance. Desired Resolution : XXXX. Remove XXXX XXXX from this loan contract immediately, as his signature was obtained through misrepresentation and without informed consent. XXXX. Recalculate the loan principal and monthly payments to reflect the actual value of the car after removing all fraudulent add-on products. XXXX Review and lower the predatory 14.44 % APR, which was established under deceptive circumstances.

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 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I enrolled at XXXX XXXX XXXX XXXX but did not complete the program due to circumstances directly related to the institutions misleading, inaccurate, and/or deceptive representations. The schools actions and omissions materially affected my ability to continue and complete the program, ultimately causing financial harm and leaving me with federal student loan debt that is not valid or enforceable under applicable law. Pursuant to XXXX CFR XXXX I attended XXXX XXXX XXXX XXXX and incurred federal student loan debt based on representations made by the institution regarding program expectations, outcomes, and educational value. These representations were materially misleading and/or inaccurate, and I relied on them in deciding to enroll and incur federal student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I initiated a balance transfer from my Citibank credit card in the amount of approximately {$3900.00} to pay off a XXXX XXXX XXXX credit card account. The funds were sent, but the payment was not properly applied to the receiving account. I contacted XXXX XXXX XXXX, and they informed me that there is no record in their system of any balance transfer or payment received for this account. I also contacted Citibank multiple times. Citibank confirmed that the funds were sent and provided copies of the check twice ; however, both copies were unclear and did not show the full account number or sufficient details to identify where the funds were deposited. As a result, the payment can not be traced or properly credited. XXXX XXXX XXXX can not locate the payment, and Citibank has failed to provide clear documentation or resolve the issue. This has caused financial harm, including continued interest charges and an outstanding balance that should have been paid. I am requesting a full investigation, clear documentation showing where the funds were deposited, and correction of the balance, including reimbursement of any interest or fees caused by this error.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a Social Security beneficiary and YET the Bank of America refuses to let me access my Social Security funds! Today XXXX ( XXXX ) instances! XXXX : XXXX XXXX : XXXX XXXX I went IN PERSON at my very advanced age with mXXXX XXXX XXXX XXXX to the Bank of America XXXX XXXX, XXXX. I was told that a " restriction '' had been placed on my debit card! BUT I HAD NEVER AGREED TO ANY RESTRICTION AT ALL! A violation of due process of law! ========================= I was told to wait but no one helped me and so I left the bank branch and came home to tell my beloved wife XXXX who also has an account with the Bank of America what had happened! The sheer embarrassment and humiliation of being told IN PUBLIC by XXXX that my debit card had " been declined ''! I allege that the Bank of America in denying my access to my SOCIAL SECURITY MONEY is committing a FELONY under the Social Security XXXX amongst others! Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXATTORNEY-AT-LAW ( ret )

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Holding Company, Inc.
State: SD

Complaint narrative:
I am filing a complaint regarding a billing dispute involving rental car charges and concerns about the handling of my personal information. I booked a rental car through XXXX XXXX XXXX XXXX XXXX XXXX where I was presented with a price that did not reflect the full amount I was ultimately charged. The total cost was significantly higher and was not clearly disclosed in a way that a reasonable consumer could understand before agreeing. As a result, I was charged an amount that I did not knowingly agree to. When I attempted to resolve this issue through Avant, I was transferred to a third-party vendor who requested my Social Security number but was unable to assist me or provide proper support. This raises serious concerns about the security and handling of my personal information. I have since filed a dispute with Avant ; however, I am requesting a full investigation, reversal of the charges, and confirmation that my personal information has not been compromised. I am seeking a full refund of the disputed charges due to misleading pricing and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems is attempting to collect XXXX on behalf of thXXXX XXXX XXXX XXXX XXXX XXXX fulfilled all obligations under my lease. I provided written notice of my intent to vacate more than 60 days in advance. I paid my final balance in full via certified check, on XX/XX/XXXX, the last day of my lease which was accepted and cashed by the landlord. The debt includes invalid, early termination fees, and penalties that have no legal basis, given my proper notice. I dispute this directly with the landlord and with national credit systems. The company provided a statement which I formally dispute as incorrect. On XX/XX/XXXX national credit systems informed me they intend to report this to credit bureaus on XX/XX/XXXX before properly validating the debt. I am sending a formal debt validation letter via certified mail. This debt is not valid and I am requesting the CFPB investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
This company filed a judgment against me 4 years ago and I began to pay even though they did not VERIFY THE DEBT. they filed it in court, but it was revealed that they fraudulently tried to collect more money than I owed. They did not accurately report the information. Apparently, they just attempted to refile it in court and DID NOT notify me prior.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
A USAA American Express was opened and I was added as a user to the account. I contacted USAA card services and they told me I was not liable and they would remove me from the account. I have never had access to this account nor gave my permission for anyone to add me. This is now being reported negatively on my credit to all three credit bureaus. I am also filing complaints against XXXX, XXXX XXXX, XXXX. I want my name off of 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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony financial closed my account. Always on time. Never late. Under a zero percent promotion.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, Re : Milestone Credit Card Account ending in XXXX I am writing to formally dispute unauthorized charges on my account totaling {$380.00}, incurred between XX/XX/XXXX and XX/XX/XXXX. These charges consist of " Annual Fees, '' " Credit Protection Fees, '' and " Monthly Fees '' that I did not authorize. Although a supervisor previously credited a portion of these fees total credit {$100.00}, a significant balance of {$280.00} still remains. I am requesting an immediate credit for all such charges mentioned in this letter, as well as the cessation of these fees moving forward. I only authorize standard monthly finance charges. Furthermore, I wish to file a formal complaint regarding the persistent solicitation on your website. Despite declining credit protection, I am forced to click " decline '' four times across multiple prompts every time I sign in to make a payment. I find these tactics to be obstructive and unprofessional. Attached are copies of my statements with the unauthorized transactions highlighted for your review. Please contact me at XXXX to resolve this matter. If these charges are not credited promptly, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). ALL STATEMENTS IN MAIL SINCE I COULD NOT UPLOAD THEM DUE TO SIZE I look forward to your timely response and a professional resolution. Respectfully, XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year> they called my father and left a voicemail stating they were looking for me so they could serve me. I know this illegal as that implies i owe a debt and their not legally allowed to disclose that with immediate family members. Their company name is Jefferson Capital Systems LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Outsourcing, Inc.
State: DC

Complaint narrative:
Company Name : Receivables Outsourcing , LLC Type of Service : Debt Collection Description of Incident : I am filing this complaint due to repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding the collection of an unidentified debt. 1. Failure to Provide Written Validation and Initial Notice : Beginning in early XX/XX/year>, Receivables Outsourcing , LLC initiated collection attempts by calling my phone number ( XXXX ) several times and leaving multiple automated voice messages. Despite these phone contacts, the company has never sent me a written validation notice or any physical letter identifying the creditor or the amount of the debt. This is a direct violation of 15 U.S.C. 1692g, which requires a debt collector to send a written notice containing specific information within five days of the initial communication. 2. Violation of Cease and Desist Demand : O n XX/XX/year>, I submitted a formal " Cease and Desist '' and " Debt Validation '' demand to Receivables Outsourcing , LLC through their official website contact portal. In that notice, I formally disputed the alleged debt in its entirety and explicitly demanded that the company immediately cease all phone calls to my number and provide full validation of the debt in writing. 3. Continued Harassment : Despite their receipt of my formal demand to stop all phone calls, Receivables Outsourcing , LLC willfully ignored my request and placed another harassing collection call to my number on XX/XX/year>, leaving a voicemail. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector must stop all communication with very limited legal exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
In XXXX of XXXX, I called cross country mortgage to setup a hardship because I was 2 months behind on our mortgage. The guy on the phone asked me a couple questions and said I would receive something in the mail if I was approved. Month goes by I never got anything but did get an email stating we were behind on our loan and needed to pay jt. So I called them and explained I applied for a hardship. The lady had no idea what was talking about on the phone. So she guided me on how to apply for hardship. Took about 2 weeks but we got it filled out, provided all the info they needed and we got approved. They sent us a packet and when we went to get it notarized, they sent it in my maiden name not married name. So had to contact cross country again to get them to change it. Months and months go by and they never changed it. We kept calling kept sending it proof of ID. On XX/XX/XXXX, finally got my name changed. Of this year, then we get a knock on our door with papers saying were going into foreclosure. So we called cross country and they said its because we denied our loan hardship. We were told they were going to send us a new one with my married name but never got it. So we were told to apply for another one last month so we did and not we got denied on this loan modification and now they are saying there is nothing they can do. Mind you, they told us not to pay on anything until it was approved. We are now XXXX behind and now in foreclosing. They record all their phone calls and have documentation on everything as well. We have been lied to so many times and we just dont want to lose our room. We have a kids and animals. I wanted this taken care of last XXXX and here we are o XX/XX/XXXX and still nothing has been resolved.

Company response to consumer: Closed with explanation