vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: PA

Complaint narrative:
I purchased an XXXX dishwasher from Lowe 's approximately XX/XX/XXXX. Purchase amount was {$810.00} plus {$98.00} for extended warranty by Lowes. Three months later dishwasher stopped working. I phoned XXXX for repair person. Repairman came to my location and he advised me I needed a part at the bottom of the dishwasher ; however, he could not fix because I needed to have appliance pulled out onto the floor. I would have to get someone else to do this for me and pay for this charge. In the meantime, I went through a terrible family tragedy and getting dishwasher fixed was last thing on my mind at the time. When XX/XX/XXXX came around I decided to call back XXXX to fix my dishwasher since I only had a short time with my warranty with them. They came and once again I was told they were not able to repair my dishwasher because it had to be pulled out onto the floor. I then decided to use the warranty I had paid for with Lowe 's I made two attempts ( have claim numbers to back this up } with Lowe 's using the extended warranty I purchased. This proved to be unsuccessful as the repairmen that were on Lowe 's site to be used were totally useless, i.e., NEVER SHOWED UP. So, I had to hire an outside installer to fix my dishwasher...... total price approximately {$600.00}. I started phoning Synchrony bank end of XXXX stating I was disputing balance remaining on the dishwasher. Due to the language barrier, no one at Synchrony understood what my issue was. I tried 3-4 times without any satisfaction. I then started correspondence with Synchrony bank and copied Lowe 's corporate office. No one bothered to respond to my claims of this amount being disputed. i just kept receiving past due statements from Lowe 's. I would send these notices back stating charge was being disputed. Again my notes were being ignore. Now I have come to find out that Synchrony has reported my past due payments to the Credit Bureau and also I am no longer eligible to receive any credit from companies that are financed through Synchrony. l thought there was some type of time limit for a creditor to respond to a dispute. This has been going on too long and I need a resolution since my credit score is being affected by this.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting, improper deficiency balance claims, and wage garnishment related to an automobile loan serviced by Prestige Financial Services. The vehicle associated with this account was voluntarily surrendered pursuant to a written agreement, not repossessed. Despite this, Prestige Financial Services has reported the account to consumer reporting agencies as a repossession, which is inaccurate and misleading. Under Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information that is complete and accurate. Reporting a voluntary surrender as a repossession misrepresents the nature of the account and damages my credit profile. In addition, Prestige Financial Services has pursued and obtained wage garnishment for an alleged deficiency balance. However, I have not been provided with documentation demonstrating that the creditor complied with the legal requirements governing the disposition of collateral and calculation of any deficiency balance under Article 9 of the Uniform Commercial Code, including UCC 9-611 and 9-614, which require proper notice of the sale of collateral and disclosure of the disposition of the vehicle. Specifically, I have not received documentation showing : Proof that proper notice of sale was sent before the vehicle was sold The date, location, and method of the vehicle sale The sale price obtained for the vehicle A complete and itemized calculation of the alleged deficiency balance Documentation supporting the classification of the event as a repossession rather than a voluntary surrender Records showing exactly what information was furnished to the credit bureaus Without this documentation, the legal basis for the deficiency balance and resulting garnishment is questionable. If inaccurate information has been used in connection with the collection of this debt, such conduct may also constitute a misrepresentation of the character or legal status of a debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: NE

Complaint narrative:
I ordered a cash app card multiple times but it hasn't come yet can u try to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: HI

Complaint narrative:
On XX/XX/year>, Johnson Mark LLC issued a Garnishment Summons to XXXX XXXX XXXX XXXX XXXX for a Garnishment that has been pending in my Savings account since XX/XX/year>. I attempted to call Johnson Mark LLC who told me to talk to my bank, XXXX, but then my bank issued me a copy of the court orders that they were sent XX/XX/year>. I advised Johnson Mark LLC that I just want the money of {$6100.00} to be taken out and stop accruing the daily interest that Johnson Mark LLC has continued to charge me since they keep telling me they are waiting for the Bank to reply to their request. My bank, XXXX has countlessly told me that once a summon is issued, that they can't say yes or no, just here 's the money. Please help me as I am already at a loss, and have no more money to send to this 3rd Party Debt Collector.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a sudden and unaffordable increase in my federal student loan payment. I was enrolled in the SAVE repayment plan and received official documentation showing my monthly payment was approximately {$120.00}. I relied on this documented payment amount when applying for and obtaining a mortgage. My lender used this figure in evaluating my debt-to-income ratio and approving my home loan. Based on this verified payment amount, I made a major financial commitment and purchased a home. I have now been made aware of changes with the repayment plans and that my monthly student loan payment has increased to approximately {$500.00} a month or More per the loan repayment estimator on FDOE website. This increase is sudden, unaffordable, and creates immediate financial hardship. I would not have taken on my mortgage obligation had I known my true monthly student loan payment would be this high. I also doubt my mortgage company would have approved me if they had been aware that this figure could change. I am the sole provider for my household and there is no possible way I can afford this amount. I relied on official documentation provided through federal student loan systems under the U.S. Department of Education. The significant discrepancy between the documented payment and the future required payment raises serious concerns about either improper servicing, inadequate disclosure, or failure to clearly communicate the stability and terms of the repayment amount. I am requesting : 1. A full review of my account and payment calculation as this should be illegal to place someone in this amount of financial distress. 2. Payment amount to remain the same Or something more reasonable than XXXX a month 3. Continued administrative forbearance while this issue is being reviewed This situation has caused financial XXXX due to reliance on official federal loan payment documentation when making a major financial decision. I request prompt resolution and written explanation of how my payment increased so significantly from the previously documented amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint against Affirm regarding a disputed purchase made through XXXX, an online marketplace, for {$1700.00}. The item purchased was XXXX XXXX XXXX XXXX XXXX The seller 's listing stated the item " comes with all the replace accessories. '' Upon receiving the item, the accessories included were counterfeit/non-authentic replacements, not the genuine XXXX XXXX accessories that a reasonable consumer would expect based on the listing description. The listing language presented the accessories as an included feature, not as a disclosure that original accessories had been substituted. I filed a dispute with Affirm on the grounds that the item was not as described. Affirm denied my dispute, stating the item was " as described '' accepting the seller 's interpretation that the phrase " replace accessories '' was a disclaimer rather than a product description. This interpretation is unreasonable and prejudicial to the consumer. As a lender facilitating this transaction, Affirm has an obligation under Regulation E and applicable consumer protection laws to conduct a fair and impartial investigation. Instead, Affirm adopted the merchant 's self-serving interpretation of ambiguous listing language without adequately considering the consumer 's position. I am requesting that Affirm reopen and properly investigate this dispute, and issue a full refund of {$1700.00}. I have documentation including the original listing, photographs of the received item, and correspondence with both XXXX and Affirm available upon request. Desired resolution : Full refund of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: WY

Complaint narrative:
Purchased used vehicle from Carvana XX/XX/XXXX, put {$2800.00} down and I was fine with that. Have vehicle delivered and delivery driver damaged front bumper {$1200.00} damage. Claim approved but not able to repair right now due to other issues. XXXX doesnt work and getting suspension code. This vehicle came with 100 day or 4,189 mile warranty and I am under in both parameters take to shop and they do a 40 point inspection and find {$9600.00} worth of legitimate repairs and this is after Carvana did a 150 point inspection presale saying all this stuff worked or was repaired and wasnt. XXXX XXXX has been dragging their feet to approve work and I have already made payments to vehicle. To top it off vehicle was advertised as having rear entertainment system and roof rack inflating book value {$4100.00} before interest and {$7300.00} after interest or {$100.00} on my car payment. I have confronted XXXX with the Carvana executive team and her boss says they cant do anything. I need to recoup this money as this is fraud and a breach of contract. I have documentation on everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account restriction, closure, and inaccurate return codes causing credit damage I am filing a complaint against Bank of America regarding improper account handling and inaccurate transaction coding that caused significant credit damage. This was my personal bank account, which I had maintained in good standing since XXXX. During the time period in question, Bank of America placed my account into a restricted credit-only status, preventing outgoing transactions. While my account was restricted, I had over {$30000.00} in available funds. Despite this, when I attempted to make payments to my credit card, those payments were returned by Bank of America with the reason code insufficient funds. This was inaccurate. The payments were not declined due to lack of funds, but because Bank of America had restricted my account and prevented access to my money. Bank of America then proceeded to close my account and later issued me a check for the remaining funds, further confirming that the funds were available but inaccessible during the time my payments were attempted. As a direct result of these actions : My creditor, XXXX treated the payments as failed due to insufficient funds Late payments were reported on my credit profile I suffered financial and credit harm despite having sufficient funds and attempting to make payments Bank of Americas inaccurate return coding and handling of my account directly caused this damage. I am requesting : Written confirmation of the account restriction ( credit-only status ), closure, and timeline of events Correction of the return reason associated with these transactions to reflect that payments were blocked due to account restrictions, not insufficient funds Documentation I can provide to creditors to correct inaccurate credit reporting Assistance in correcting the downstream credit impact caused by this error Additionally, I request that Bank of America review whether its internal coding or handling of restricted accounts resulted in inaccurate return reasons being transmitted to creditors.

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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CT

Complaint narrative:
Company Involved : Klarna Inc. and XXXX XXXX XXXX XXXX XXXX Related Company : Simplilearn Solutions Account Number : XXXX Amount Disputed : {$2000.00} Description of Incident : I am filing this complaint due to improper billing practices and a failure to validate a disputed debt. On XX/XX/XXXX, I enrolled in a XXXX XXXX XXXX with XXXX, which was financed through a Klarna account. On XX/XX/XXXX, I submitted a formal written cancellation request to XXXX ( via an employee named " XXXX '' ) stating that the course was unsuitable and the instructional quality was insufficient. Despite this timely notice, XXXX failed to process the cancellation and continued to bill the full amount to my Klarna account. This account has now been referred to XXXX XXXX for collection. I have sent formal " Notice of Dispute and Debt Validation '' letters via Certified Mail to both Klarna and XXXX XXXX as of XX/XX/XXXX. The issues are as follows : Failure to Process Cancellation : The merchant ( XXXX ) ignored a written termination request sent within the first month of enrollment. Improper Debt Collection : XXXX XXXX is pursuing a debt for services that were formally canceled and not rendered. Lack of Resolution : Despite reaching out to the merchant directly, they continue to delay the resolution with requests for information already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am requesting assistance regarding XXXX overdraft fees totaling {$100.00} that were charged to my checking account at U.S. Bank ( {$36.00} each ). The first overdraft fee was charged on XX/XX/year>, and XXXX additional overdraft fees were charged on XX/XX/year>. Shortly after these charges, a {$10000.00} deposit was made to the account the following day, which restored the account balance. Despite the account being promptly funded, the three overdraft fees remained on the account. I contacted U.S. Bank customer service and was escalated to their escalation team to request a goodwill reversal of the fees, but my request was denied because two of the overdrafts occurred on the same day. Given that a substantial deposit was made immediately afterward and the negative balance was temporary, I am requesting that U.S. Bank review this situation and reverse the {$100.00} in overdraft fees. I attempted to resolve this matter directly with the bank but was unable to reach a satisfactory resolution.

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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: UT

Complaint narrative:
A company ( XXXX ) used false promises of making money, using misleading advertising through XXXX post, got me to sign a contract to repay a loan in exchange for access to an educational course that would teach me to make money. The was no plan of repayment or expectation how much I owe monthly. I signed, received access but the course was very poorly built. After reaching out to them to cancel, they were unwilling to provide a recording of our phone call in which I was pressured to " loan '' {$8200.00} by entering false information ( such as making XXXX $ in income ) and initialing a line on the paper electronically. I was forced to pay {$1000.00} towards it before it was sent for collections. This education course is not worth XXXX XXXX My account has now been sent to collections agency which I am also disputing. I have already filed a fraud report with FTC, disputed charges with my bank, credit agencies, collections agency as of XX/XX/year>. Issues include : Refusal to provide a recording of the sales call upon request XXXX ( company rep ) said " Just put XXXX income '' which isn't true Pressure to sign electronically during a call Misrepresentation of expected outcomes Lack of clear repayment terms or schedule Delivery of a course that does not match what was advertised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America placed my personal account in a restricted credit-only status for approximately two months. During this time, I was still able to deposit funds into the account, but I was unable to access or use those funds for normal financial transactions, including payments. My credit card accounts were set on autopay and I had sufficient funds available in my Bank of America account to cover those payments. However, due to the restriction placed on my account, I was unable to access or utilize my funds as intended, which resulted in missed or delayed payments being processed by my credit card issuers. After the restriction period, Bank of America ultimately closed my account and issued me a check for the remaining balance. I am disputing the handling of my account during the restricted period, the impact it had on my ability to make timely payments, and the resulting financial consequences, including late payments and adverse effects on my credit accounts.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
5 years ago I charged {$4400.00} at one time to pay off bills from State Employees Credit Union ( SECU ) XXXX Credit of {$4400.00} Except for one payment of {$800.00} I have consistently paid {$100.00} per month, after 5 years this is a total of {$6800.00} I made a few charges over the past 5 years not over {$500.00} So grand total I've paid in the past 5 years of {$6300.00} Yet my current balance was and had remain {$4400.00} the ENTIRE 5 YEARS! Until I brought this to the attention of SECU 3 months ago which loan officer ALSO said " This is not right ''. Find out that this XXXX through SECU is NOT an SECU visa rather a third party XXXX operating through SECU. No one within this XXXX would speak to me OR the loan officer at SECU! Now that I have brought this to the attention of this " XXXX '' still paying {$100.00} a month my balance of {$4400.00} has went down {$700.00} ( finally going down ). However, every month my statement reads I have a ZERO balance and owe no monthly payment on a credit card! NO credit cards have a {$0.00} balance each and EVERY month! Also, SECU says the monthly amount owed on this XXXX credit card is 1 % of the current balance, but after reading some fine print, it reads interest rate is 11.00 %, WHICH IS IT? I am given no dollar amount I owe each month to pay this XXXX card. This visa through SECU owes me approximately {$1900.00} which the loan officers at SECU also agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute charges that have been applied to my account. I have noticed student loan charges totaling {$24000.00} that I did not authorize or approve. Additionally, there are multiple bank transactions exceeding {$2000.00} each that were not initiated by me. Please investigate these unauthorized charges immediately and provide guidance on reversing them and securing my account. I request written confirmation of your receipt of this message and a timeline for resolution. Thank you for your prompt attention to this urgent 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 non-monetary relief