vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Truist Client Advocacy Team, I am writing regarding Case No. XXXX and Account Number ending in XXXX. 



On XX/XX/year>, Truist confirmed my dispute of unauthorized online external transfers totaling {$370.00} and credited this amount back to my account. While I appreciate the return of this sum, this amount does not fully compensate for the total financial loss and hardship I suffered as a direct result of XXXX error. 



Background of Loss : Total financial impact experienced : XXXX XXXXXXXX Returned amount : {$370.00} Remaining unreimbursed economic loss : $ XXXX Additional Consequential Expenses : Inability to purchase food and basic necessities during the period funds were unavailable : {$72.00} Emergency/replacement expenses ( borrowing, alternative payments ) : {$75.00} Late fees or penalties avoided/delayed payments : {$58.00} Total documented consequential expenses : {$200.00} Non-Economic Damages : The unavailability of funds caused financial embarrassment, stress, and disruption of daily life, including being unable to manage essential needs. 

Reasonable allowance for non-economic impact : {$250.00} Total Reimbursement and Compensation Requested : Remaining unreimbursed loss : XXXX  XXXX Consequential expenses : {$200.00} Non-economic damages : {$250.00} Total Demand : XXXX  XXXX These funds reflect the full scope of harm caused by Truists error, both economic and non-economic, and represent the amount necessary to restore my financial position to where it would have been but for this incident. 



I request that this matter be escalated to XXXX XXXX / XXXX XXXX, and that a prompt review and reimbursement be issued. Please advise of any documentation required to process this request. I am seeking a fair and good-faith resolution. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this update because Synchrony Bank has failed to correct known inaccurate credit reporting and has continued to delay resolution using boilerplate responses. 

I disputed an alleged balance of {$150.00} on my Synchrony Bank ( XXXX ) account. This balance is incorrect. I owe {$0.00}, and Synchrony Bank has been notified of this error multiple times in writing. 

On XX/XX/year>, I sent Synchrony Bank a formal written dispute and demand for correction, as well as a separate written demand for disclosure of any investigation conducted and the method of verification used to support the alleged balance. These letters specifically cited their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Synchrony Banks only response was a generic statement that they are investigating the matter and requesting 30 days. This response did not : Correct the inaccurate balance Provide any documentation supporting the alleged debt Disclose the method of verification used Explain how the balance was determined Address my request for investigation records Synchrony Bank has repeatedly relied on this same delay tactic in the past and has failed to make any corrections after similar responses. 

Despite being on notice that the balance is inaccurate, Synchrony Bank continues to maintain and report the incorrect balance, which constitutes a failure to conduct a reasonable investigation and continued furnishing of inaccurate information. 

As of the date of this update : The balance has not been corrected to {$0.00} No verification or documentation has been provided No meaningful investigation results have been disclosed Synchrony Banks conduct appears to violate its duties under the Fair Credit Reporting Act, including the obligation to conduct a reasonable investigation and to correct or delete information that is inaccurate or can not be verified.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complain regarding an inaccurate and unverified collection account that is being reported on my Transunion Credit report. 

I dispute this collection account in its entirety.This account is reporting inaccurate information and has not been properly validated as required under the fair debt collection Act [ FDCPA ] and the Fair Credit Reporting Act [ FCRA ]. 

I previously disputed this account with Transunion, yet the account continues to be reported without proper verification. Transunion has failed to provide documentation proving the accuracy, ownership, and contractual obligation of this alleged debt.

Additionally, the collection agency has not provided : .A copy of the original signed agreement .Proof of assignment or ownership of the debt .An itemized breakdown of the amount claimed Because the information being reported can not be verified as accurate and complete, it must be deleted from my Transunion Credit report immediately . 

I am requesting that Transunion and the collection agency conduct a lawful investigation and remove the collection account if they can not provide proper validation as required by law. 

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am not liable for the debt of {$610.00} with NATIONAL CREDIT ADJUST Account Number : XXXX I do not have a contract with NATIONAL CREDIT ADJUST, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I am disputing the improper handling of a single unauthorized charge of {$210.00} on my Apple Card ( Goldman Sachs ), which continues to be re-posted to my account after provisional credits, despite being timely disputed from the beginning. 

On XX/XX/XXXX, I immediately disputed a {$210.00} charge that I did not make or authorize. I was informed my card was compromised, replaced the card immediately, and a provisional credit was issued. XXXX additional attempts related to this same transaction were declined shortly thereafter, confirming fraud. 

Despite this, the same original {$210.00} charge has been repeatedly added back to my account on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, each time requiring me to re-dispute. These are not new charges they are the same original transaction being re-posted. 

I did not order, authorize, receive, or benefit from the items. I was told the merchant claims delivery to a different named individual ( XXXX XXXX ) and relies on an IP address as evidence. IP addresses do not establish authorization, and delivery to a different name does not prove cardholder consent. No signature or proof of receipt has been provided. 

I disputed immediately, replaced the card before any alleged delivery, and safeguarded my account at all times. Any shipment after the transaction was flagged as fraud was at the merchants risk. 

I am requesting permanent removal of the {$210.00} charge, written confirmation that I am not liable, assurance the merchant is blocked, and confirmation that my credit standing will not be affected. Re-posting the same disputed charge after timely notice is improper under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 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: KEYCORP
State: NC

Complaint narrative:
I received two emails stating that I opened some credit account and they are sending me a username and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I purchased an item using Affirm for a total of {$220.00}. I made a payment of {$10.00}. I returned the item on XX/XX/XXXX, but the refund has not been properly applied. Affirm is still stating that I owe {$200.00}, even though the item was returned. It has been over XXXX  days since the return, and the balance has not been corrected or refunded. I am requesting that the loan be properly adjusted and any payments refunded. 
I contacted affirm on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I deposited a check at a Wells fargo XXXX in North Carolina. The deposit was made and the clerk advised a small portion would be available right away and the balance would be made available at midnight of the same night. The check was for {$130000.00}, at about XXXX I checked my account and the money was in fact depositing into my account and the balance reflected the deposit. I proceed several purchase orders, arranged travel for some employee 's, and bought materials without problems. Somewhere around XXXX I got a notice my card was declined for something. I logged into Wells Fargo to find they {$130000.00} was removed from my account. The deposit now said " Insufficient funds at inquiry time ''. It went to showing on hold and said it would be released XX/XX/year>. I called when the issuing business opened and requested they verify funds. I went to Wells Fargo in XXXX SC and requested they figure out what had happened. They told me the check didn't clear and they person that wrote the check didn't have enough money in their account. I requested they verify this and was told they have no way to do so. I began calling Wells Fargo in an effort to escalate this problem and after speaking to several people that all told me the account the check was written against lacked funds I received an audit report from the customers bank showing the funds and showing the funds were pulled from their account. When I presented this account information I was told by a XXXX XXXX the check was on hold but it could be for any number of reasons.

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 2026-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
, XX/XX/year> Myself and my elder mother was evicted from our home without any court hearings or notices. 

Select Portfolio Servicing , Inc. has never produced a valid, enforceable contract or admissible evidence demonstrating lawful authority to service, collect, or enforce any mortgage debt associated with my home. SPS failed to establish a lawful chain of title or identify the true creditor. 
I was never properly notified that SPS was my loan servicer, never informed that I owed SPS money, and never received proof of funding, consideration, or a complete loan-level accounting.

Despite lacking authority, SPS initiated foreclosure proceedings under color of state law without producing the original promissory note or competent witness testimony. SPS relied on unauthenticated documents and continued foreclosure and collection activities while disputes were pending. 
These actions resulted in the loss of my home, emotional distress, financial harm, and deprivation of property without due process of law. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I was trying to keep up with the payments and I explained that I did'nt recieve any income at the time, the terms I could not keep up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EliteCashWire.com Inc
State: MD

Complaint narrative:
Elitecashwire.com has stated that i took a loan out in XXXX i never took this loan out in my name and now they are saying that i have to repay the loan back for {$50.00} every XXXX weeks until its pid off. they said that if i don't pay that they will start wage garnishment and legal fees that i have to pay back. they said that since the last time that i made a payment on XX/XX/year> in the amount of XXXX that they can still sue me since i restarted the repayment paperwork. a man named XXXX XXXX called me and said all of this information to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened this credit card account in XX/XX/XXXX with an initial balance of approximately {$5000.00} to pay for an XXXX XXXXXXXX at a hospital. At the time of application, hospital staff informed me that the account included an 18-month promotional 0 % APR financing plan. 
Immediately after opening the account, I enrolled in paperless billing and automatic monthly payments to ensure timely payment. I have never missed a payment since the account was opened. 
The 18-month promotional period expired in XX/XX/XXXX. Because of the length of time since the account was opened, I did not realize the promotional period was approaching expiration. I did not receive any email, text message, or other direct notification informing me that the promotion was ending or that deferred interest would be assessed if the balance was not paid in full. 
When the promotion expired, the issuer applied deferred interest retroactively for the entire 18-month period, totaling {$2000.00}. At that time, my remaining balance was only {$820.00}, resulting in interest charges that were more than double the remaining principal balance. 
After contacting the credit card company, I was informed that notice of the promotional expiration was included only in the downloadable PDF version of the monthly statement, and not in the body of the monthly payment notification email. Because I had enrolled in autopay and paperless billing, I did not routinely download or review full PDF statements, as no payment action was required each month. 
Additionally, I was not otherwise alerted that my account balance had increased significantly, from approximately {$820.00} to {$2800.00}, after the interest was applied. I did not become aware of this increase until I later logged into my account and reviewed my statements, which is why this issue was not identified immediately after XX/XX/XXXX. 
I believe this practice is unreasonable given the significant financial impact of the deferred interest charge and the lack of clear, direct notification. Had I received a clear reminder, such as an email or text message, warning that a {$2000.00} interest charge would be applied, I would have immediately paid off the remaining {$820.00} balance to avoid the interest. 
I respectfully request that this matter be investigated to determine whether the issuers notification practices were adequate, fair, and reasonable, particularly given the size of the deferred interest charge and the widespread consumer reliance on autopay and paperless billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint regarding escrow mismanagement and lack of response by Freedom Mortgage Corporation. 

In XX/XX/XXXX, Freedom Mortgage issued me an escrow surplus refund check. After this refund was issued, my escrow account began XXXX with a negative balance, which immediately raised concerns for me. I contacted Freedom Mortgage in XX/XX/XXXX to question why my escrow account was allowed to start the year negative and whether this would cause future issues. I was told that the balance was correct and that no action was required on my end. 

In XX/XX/XXXX, I contacted Freedom Mortgage again to confirm that my escrow balance and remaining deposits would be sufficient to cover upcoming tax and insurance payments. I was advised to wait for the annual escrow analysis and was not warned that a significant shortage was likely or inevitable. 

On XX/XX/XXXX, I contacted Freedom Mortgage again after receiving an escrow analysis showing a {$5700.00} escrow shortage, which resulted in a substantial and unaffordable increase to my monthly mortgage payment effective XX/XX/XXXX. I sent a detailed written message disputing the shortage and explaining that I had raised this issue twice earlier in the year. No response was provided. 

I followed up again in writing and formally requested : - A full escrow history and ledger - An explanation of how a surplus refund resulted in a negative balance and shortage - Review and removal or reduction of the escrow cushion - An extended escrow shortage repayment plan due to financial hardship As of today, Freedom Mortgage has not responded to any of these written communications. 

The escrow shortage is directly tied to : - A surplus refund that caused a negative escrow balance - Foreseeable increases in taxes and insurance - The servicers failure to adjust escrow payments or provide notice despite my repeated inquiries I believe Freedom Mortgage failed to reasonably manage my escrow account, failed to provide adequate disclosure or warning, and failed to respond to written servicing inquiries. I am requesting CFPB assistance to ensure : - A full escrow re-analysis and written explanation - Reduction or waiver of the escrow cushion - An extended escrow shortage repayment plan ( 2436 months ) - Temporary payment accommodation while the dispute is under review I am not refusing to pay my mortgage ; I am disputing the handling of the escrow account and the sudden, unaffordable payment increase caused by the servicers actions and inaction.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . 
Product : Checking account Issue : Incorrect charges/ Funds availability / Account closure What happened? 

On XX/XX/year>, I contacted Chase to request a stop payment on an ACH debit of {$5400.00} related to my rent payment. Although the amount and merchant were correct, the stop payment failed due to a merchant name entry discrepancy made by Chase, even though the payment processor and underlying merchant were the same. 

As a result, my account was charged twice for the same {$5400.00} transaction. I immediately contacted Chase and opened a formal claim ( Reference # XXXX ). I have documents detailing most of this and who i spoke to. 

On XX/XX/year>, a Chase branch employee reviewed my account and showed me that the {$5400.00} debit had been reversed and sent back to the merchant, resolving the claim in my favor. At that time, my account reflected a positive balance of {$830.00}, and the banker stated the account appeared to be in good standing with no fraud or suspicious activity. 

Despite the claim being resolved and my balance being positive, Chase permanently closed my account without providing a reason and denied me access to my remaining funds, stating they would be mailed or returned to the sender. The closure occurred after the bank error was corrected and the claim was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and unverified information appearing on my TransUnion credit report. TransUnion is reporting derogatory accounts and inquiries that have not been properly verified. 

Charged-Off / Collection Accounts in Dispute XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$300.00} Inquiries in Dispute XXXX XXXXXX/XX/XXXX XXXX  XX/XX/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 non-monetary relief