vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 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: Total Card, Inc.
State: FL

Complaint narrative:
I never received this card XXXX XXXX a victim of XXXX never use or receive this card nor did I XXXX permission to XXXX anything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've had an account with Wells Fargo for roughly XXXX years and never had any issues depositing or cashing a check. Twice a year, I work a XXXX XXXX and receive commission checks. I have had several presented with no problem. However, on the XXXX of XXXX, I deposited my check and immediately received a message that my check was rejected and I would receive 'something ' in the mail. It included a phone number and I called to see what the problem was. I was advised to either wait for some 'substitute check ' to come and cash it or have my company stop payment and reissue another. Because I have my grandchildren who need school supplies and clothes and a wife uXXXX XXXX XXXX the company did just that. During my XXXX weeks of working the XXXX, I am not receiving a paycheck, so the money is needed. I presented the new check on XX/XX/XXXX, and was told that sometimes the " ATMs are crazy ''. I was told I could withdraw XXXX then and the rest would be available today. The funds were verified by the bank employee. However, the bank reversed my withdrawl overnight - leaving my account in the negative by XXXX XXXXXXXX dollars and was told that I would have to wait until XX/XX/XXXX for the money to be released. This made no sense since everything was verified already. I receive my regular paycheck via direct deposit and that money will be gone due to the overdraft- leaving us nothing for food or anything else. Wells Fargo has not been responsive at all.

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 2026-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
SYNCHRONY in association with XXXX XXXX XXXX are trying to collect amounts that are in 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 2026-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect is reporting a debt on my credit report related to an account originally with XXXX XXXX. The amount being reported is {$3600.00}, however this balance is inaccurate and has not been properly verified. I have made multiple attempts to contact XXXX XXXX by phone and email to clarify and confirm the correct information, but I have received no response. The property has since been sold to a new company, and I have not been able to obtain any clarification from the original creditor. I have disputed this account multiple times with XXXX due to the inaccurate information being reported. Despite these disputes, the account continues to be reported without proper verification or correction. I also sent a written request to ProCollect requesting validation of the debt, including documentation supporting the reported balance and proof of authority to collect. I have not received sufficient documentation confirming the accuracy of the information being reported. Because this account is being reported without proper verification and contains inaccurate information, I am requesting that it be removed from my credit report.

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 2026-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I disputed a student loan debt being collected by Coast Professional ( on behalf of XXXX ) for account/reference XXXX or around XX/XX/year>, I called XXXX and explained that I paid off all my loans in full approximately XXXX years ago and have no outstanding balance. The representative asked me to email proof of the paid-off loans.I emailed them today ( XX/XX/year> ) with attached XXXXXXXX XXXX verification documents showing all loans listed as " Paid In Full '' or " Claim Paid '' with {$0.00} balances.On XX/XX/year>, Coast sent me a transaction history report for the account showing a claimed balance of approximately {$23000.00}, but this does not match my records or the XXXX XXXXI am requesting a full investigation and correction of the inaccurate loan balance and collection activity.

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 2026-07-21 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: TX

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding the unfair closure and subsequent internal blacklisting of my profile associated with a PayPal credit card account that was closed on XX/XX/year> ( for " the number of dishonored payment on this account '' that was actually just XXXX ). I was an excellent customer who consistently paid my entire statement balance in full every single month. In early XX/XX/year>, a severe technical glitch within the PayPal/Synchrony mobile application interface caused a scheduled payment of over {$1000.00} to be duplicated and processed twice. I contacted customer support immediately to cancel the accidental duplicate pending charge, but I was told that customer service was unable to stop. To protect my funds from an erroneous double-debit, I coordinated with my funding bank to reject the duplicate transfer. The first payment of over {$1000.00} cleared perfectly and successfully, meaning Synchrony was paid in full. However, Synchrony 's automated risk system flagged the rejected duplicate as a standard XXXX XXXX, ' instantly terminated my account on XX/XX/year>, and placed a permanent internal negative risk flag on my profile. This unjust internal blacklisting resulted in a subsequent automatic denial when I later applied for a CareCredit card ( also issued by Synchrony ), despite my flawless history with all other major financial institutions and my excellent credit score. Because the returned payment was the direct result of a documented software glitch and not a lack of funds or financial delinquency, I am requesting that an executive underwriter manually review this file, remove any negative internal risk/fraud flags from my Synchrony Bank profile , and restore my internal standing to XXXX XXXX ' status. " *

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 2026-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year>, I had written to DCU and they sent a notarized XXXX release. However, in the state of Florida, they have an electronic lien that needs released by DCU. I initially sent an overnight letter to DCU requesting this at the end of XXXX the beginning of XXXX and they didnt respond since then I tried emailing and customer service would tell me that this information had to be sent securely but since I didnt have an account, I couldnt send it securely. So With whatever email I had for that department I sent it a letter. I also sent a fax. I also contacted the state even filed a complaint with the state last Friday. I have a notarized copy of the XXXX release, but the state of Florida requires the creditor to release that electronically. I want DCU to release the electronic 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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX reports because of this issue. In XXXX Equifax responded via XXXX that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has let numerous of negligent attempts of people stealing my money as my bank account is attached to cash app. Cash app has let people attach themselves to my account as if I added them but the account stays hacked through cash app. I repeatedly have reported this to the FTC and XXXX about cash app as well. The person that is in my account has been stealing money since XXXX u til now and there has yet bern anything done about this problem from cash app and it is now XXXX this person has now stolen {$300.00} of my XXXX check. I am depressed about this and I will be pursuing a lawsuit against cash app and I have filed a police report against the person plus cash app letting this continue to happen. I need some help on this matter immediately and I know I am nit the only person going through this with cash app. Cash app have the evidence that the person has been logging on from another device and another location. This is why I am going to pursue a lawsuit against cash app. Cash app is not a trustworthy company when it comes to protecting your money and privacy it is not safe putting your personal information with their business. They let scammers steal your money and let the scammers authorize the person account and believe the scammers word over the person account which is not understandable. Please help me to file charges against cash app and to shut their company down their not responsible at all to handle customers finances at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NOVAE LLC
State: WI

Complaint narrative:
I am filing a complaint regarding a merchant, Novae / Novae Money, related to a disputed charge of {$190.00}. After I exercised my legal right to file a chargeback through my bank, the merchant sent a threaten ing email accusing me of fraud, demanding that I reverse the chargeback, requesting an additional fee, and threatening legal action, collections, and damage to my credit score. The merchant also referenced and included my drivers license, raising serious concerns about improper use and handling of my personal identifying information. I believe this conduct constitutes harassment, coercion, and potential violations of consumer protection and data-privacy standards. I am requesting that this behavior be investigated and addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: TX

Complaint narrative:
I made an auto loan payment on XX/XX/year> in the amount of XXXX and XX/XX/year> in the amount of XXXX which was withdrawn from my bank account. Toyota FinancialXXXX Toyota XXXX claims the payment was not received, even though my bank confirms the funds were sent. I notified Toyota Financial of the issue and requested an investigation, but the payment remains uncredited. I am concerned about wrongful delinquency, late fees, negative credit reporting, and potential repossession while this issue is unresolved. I am requesting that the payment be credited, my account placed in dispute status with a repossession hold, Due to the failure to properly credit this payment, my account has been reported as delinquent and my credit profile has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bell Leasing dba Corporate Capital
State: AZ

Complaint narrative:
A bank that I got the loan through at first didnt notice me that my payments didnt go through they never called never emailed me till the payments were 3 months past due. Causing the car to go into repression. After a few weeks of trying to catch up on payments a man from the bank told me to stop making payments and they were not going to take any money from me at all again. So I stopped making payments the locked me out of the portal and kept stating to not make anymore payments. After a little while longer the guy had called some of my family that wasnt on my contract or contacts. And gave away my personal information over the phone not even confirming who was on the phone the whole time he was on the phone with someone who wasnt me he was rude he cursed screamed yelled. And gave out my address and my car information to a complete stranger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: HI

Complaint narrative:
Was co-signing for a XXXX XXXX XXXX for around {$39000.00} on XX/XX/XXXX. I was living out of state when a family member called about it. After talking to sales man I was told I would be sent the loan contract to review and digitally sign before the loan processed. Provide salesman with my information over the phone since me and the family member lived in different states. Never received the contract nor did I ever sign anything digitally. Later found out that the loan was approved but the family member defaulted on the loan and the car was repossessed while I was XXXX. I never received any notices or paperwork on the car. A military security clearance investigation was opened on me in XXXX of XXXX and I was made aware of everything mentioned above. From XX/XX/XXXX until XX/XX/XXXX I reached out to Credit Acceptance multiple times trying to get information on the loan and why the amount was increasing and was directed to view the information online. Around XX/XX/XXXX I created an online account and updated my personal information. After this I started receiving calls and notices about attempts to collect a debt. XX/XX/XXXX I tried emailing credit acceptance requesting information on the loan again and received no response. XX/XX/XXXX I received an email requesting {$6100.00} in 90 days to settle the account if I qualified. Around early XXXX I mailed a letter in to Credit Acceptance requesting information and possible solutions and never received a reply or response. Through all of this I talked with the other joint party and he was getting told different payment amounts from what I was told. All in all Im just trying to resolve this so I dont get held back in my military career.

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 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Mercedes-Benz Financial Services and the handling of my vehicle loan account. Background : 1. Multiple written communications from Mercedes-Benz Financial Services confirm that this account was paid in full, with no balance owed, and that a payoff could not be provided because the account reflected a XXXX balance. Copies of these communications are attached. 2. Despite these confirmations, the account continues to show a lien on my vehicle title, and my credit report shows a balance of {$100000.00} with the notation profit write-off loss. 3. The account was subsequently sold to a third-party debt collector, who has attempted to collect on this account, even though Mercedes-Benz confirmed it was paid in full. Request for Relief : I am requesting that your office : 1. Investigate Mercedes-Benz Financial Services for failure to release the lien after confirming the account was paid in full. 2. Ensure the lien is officially released with the Department XXXX XXXX XXXX. 3. Require Mercedes-Benz to correct all credit reporting to accurately reflect the account as paid in full, closed, and lien released XXXX 4. Prevent any further collection activity or attempts to assert a balance that was previously confirmed as paid. Attached are copies of all relevant communications and documentation from Mercedes-Benz Financial Services confirming the paid-in-full status. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is regard case number XXXX that was closed. I want this claim reopened and a regulator at the CFPB to review my claim that Shellpoint who is holding insurance money from me, can not require me to rebuild a home of the same size as the one that burnt down or what type of construction type it has to be, given the money from the claim only allows me to build a smaller place and that is fine per XXXX XXXX XXXX XXXX XXXX guidelines that my original loan was issued under these guidelines. Shellpoint and their investor are breaching these guidelines per their response on the case that was closed. Please add my nephew, XXXX XXXX, as an authorized contact. He is a mortgage professional for over 35 years and had done a lot of research on this for me. His phone is XXXX and email is 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 explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. XXXX XXXX, and I am respectfully requesting your immediate assistance regarding what I believe to be predatory, harassing, and unlawful debt collection practices. I am a XXXX XXXX veteran who served honorably in support of XXXX XXXX XXXX. Recently, I began receiving repeated and aggressive calls from XXXX XXXX Partners, claiming to represent GMXXXX Financial. They stated that they had purchased an alleged debt and made threats that I had been hiding out of the country, and that a lien would be placed on my home through XXXX XXXX XXXX XXXX. I was also told that I better hire an attorney. This alleged debt was settled, closed, and removed from my credit report on XX/XX/year>. Over the years, GMXXXX has sold or transferred this same alleged debt multiple times first to XXXX XXXX XXXX, then to XXXX XXXX, and now to XXXX XXXX XXXX XXXX Each time, the matter has been addressed and resolved. The continued resale and attempted collection of this account appears to be improper re-aging of a time-barred and settled debt. I have documentation from XXXX and XXXX confirming updates and deletions of this account. I also have certified mail receipts verifying my military XXXX during the timeframe they claim I was hiding out of the country. On one day alone, I received seven calls from different phone numbers associated with this company, followed by additional calls the next morning. Representatives, including an individual identifying herself as XXXX XXXX ( XXXX / XXXX / XXXX ), were rude, aggressive, and refused to allow me to speak or request documentation. A manager refused to provide his name. These actions have severely exacerbated my XXXX XXXX and XXXX. Threats of taking my home over a debt that was resolved more than 15 years ago are causing significant emotional distress. I am requesting : 1. Immediate investigation into XXXX XXXX XXXX and any related entities. 2. Written confirmation via certified mail from all involved companies stating this account is permanently closed and settled. 3. Appropriate enforcement action for unlawful debt re-aging and harassment. 4. Financial atonement of {$5000.00} from each responsible company for predatory and abusive conduct. I am desperate for assistance in getting these companies to stop contacting and threatening me. I served this country honorably and should not have to endure harassment over a matter that was resolved long ago. Respectfully, XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation