vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
I recently signed up for a credit card through the company XXXX, offered through XXXX XXXX. I was suppose to receive a welcome bonus of {$200.00} in cryptocurrency rewards after spending {$3000.00} in the first 90 days. I signed up for the card on XX/XX/year> and received a welcome email that stated the award I would receive. When I received the email from XXXX on XX/XX/year>, it cleared stated the following : Get {$200.00} in crypto by using your card. Spend {$3000.00} within 90 days of your approval and receive {$200.00} in the cryptocurrency that youve selected as your reward. Well track your spending and let you know when youve met the spending threshold. No further action is needed to participate. This week, I was emailed again by XXXX after reaching the {$3000.00} spent and was told the award was no longer available and was discontinued on XX/XX/year>. The email stated : Congratulations on your new XXXX XXXX XXXX We are writing to correct information you may have seen in a prior communication. No action is needed on your account. The Welcome Email you received after opening your account mistakenly referenced a retired Introductory Promotion offering {$200.00} in crypto reward for spending {$3000.00} within the first 90 days of account opening. As noted in the Intro Bonus Terms, this Introductory Promotion was paused on XX/XX/year> and therefore we are unable to extend it to your account. We deeply regret any confusion that the Welcome Email may have caused and we hope this email clarifies any confusion. I have been trying to get in touch with management at the company and no one returns my emails. I am concerned other people will sign up for the credit card believing they will receive welcome bonuses. I would like to file a formal complaint against the parent company XXXX XXXX XXXX and want to know what my rights are of ever receiving the welcome award in the future. I believe I was fraudulently misled by a public company which impacted my credit scorXXXX once I applied for the card. The misleading marketing emails I received showed that I was supposed to receive {$200.00} in cryptocurrency rewards once I reached {$3000.00} spent within the first 90 days of having the credit card with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In early XX/XX/year> I received a letter in the mail with an offer to apply for a HELOC with Citizens Bank. If I would take out a {$200000.00} HELOC and setup autopay, the XXXX would be decreased by 1 %. So, I took advantage and applied. I began working with XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX as my loan advisors. I was granted a pre-approval on XXXX. Over the next several weeks I was asked for several documents to secure the loan, all of which I submitted. Then, in late XX/XX/year> they provided a `` drive by '' appraisal that came in approx. {$100000.00} less than my expected appraisal. Because of this, my XXXX % interest rate jumped to XXXX % in my loan application portal and I was not able to get the full {$200000.00}, which means the 1 % rate reduction was null and void. XXXX explained that we could contest the `` drive by '' process and request an in-home appraisal, which I ordered. The appraisal was completed on Saturday, XXXX. I was told the final appraisal would be completed in a couple weeks. In the mean time, XXXX and XXXX asked me to provide a few more documents, one of which was something showing that my mortgage on my primary residence was no longer " past due ''. I was on a forbearance plan with XXXX XXXX from XXXX with an approved ending date of XXXX due to being laid off in XXXX. As a result I was approved to skip some payments, which I ended up missing XXXX payments. I began working again in XX/XX/year> at a new company, and made arrangements with XXXX XXXX to have the missed payments come due at the end of the loan term instead of the immediate future. I provided a document to XXXX in early XX/XX/year> from XXXX XXXX stating that my account would be listed as current starting with the XX/XX/year> statement. I asked if this was acceptable to show my account wasn't past due to get final approval on the HELOC, and XXXX said he would submit to the underwriting team. On or about XXXX XXXX called me and told me the loan application had been closed as a result of being open " too long ''. When I asked why this was, he said it was because I hadn't supplied the statement from XXXX XXXX stating it was up to date within the " allotted time '', so the application was automatically closed. He also said that should I want to apply again I would need to supply everything again, which would include another hit to my credit from the hard inquiry. However, it's important to note that I still had not been provided with the re-assessment of my property from the in-home appraisal on XXXX ; this item was still listed as incomplete in the portal. So, despite waiting on something that was allowed through the bank, my application was closed prematurely and my credit score was impacted for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Prior to checking into XXXX XXXX, I was informed by their Sales Coordinator- XXXX XXXX XXXX their nightly rate was {$110.00}. I stayed XXXX nights, and my total rate should have been {$670.00} ( {$110.00} * XXXX ). But XXXX overcharged me by {$580.00} and provided a fraudulent invoice of {$1200.00}, at an effective rate of {$200.00} per night which was not what was agreed to prior to checking in. As soon as this overcharge was placed on my FNBO card, FNBO was notified immediately of this {$580.00} theft by XXXX, and yet, FNBO has remained complicit in XXXX 's fraudulent activity and has refused to claw back this {$580.00} while also refusing to have this matter decided by an arbitrator even though their self-serving consumer agreement contract contains an arbitration provision. I paid the entire balance on the FNBO card except for the stolen funds which FNBO should have disputed and clawed back, but unfortunately, remains unresolved, hence, the filing of this complaint.

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 2026-03-15 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
b'I am filing a complaint against Synchrony Bank / CareCredit, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXX. Dispute Claim #XXXX. Disputed amount: $XXXX. Merchant: XXXX XXXX XXXX XXXX XXXX XXXX.\n\nOn XXXX XXXX XXXX, I opened a billing dispute with CareCredit for defective dental services totaling $XXXX Over the following 18 days, Synchrony made it effectively impossible to submit the supporting documentation their own dispute letter demanded.\n\nSYSTEMATIC SUBMISSION FAILURES: Synchrony\'s dispute letter instructed me to upload documentation and to use their Chat feature for guided steps. Every electronic channel they directed me to failed. The upload portal has a 5 MB cap that was never disclosed my evidence file is 31.3 MB. The Document Center was completely empty with no upload function. The chat feature provided no upload guidance. A live agent gave me the wrong mailing address. A second dispute letter file was corrupted and could not be opened. On XXXX XXXX, during published business hours, I initiated a chat session and waited over 20 minutes with no agent response.\n\nCONTRADICTORY COMMUNICATIONS: Synchrony sent contradictory instructions. The XXXX XXXX dispute letter told me to upload documentation within 7 days. The XXXX XXXX email stated "There\'s nothing you need to do at this time." The XXXX XXXX email repeated the same language. These are irreconcilable instructions from the same institution about the same dispute.\n\nPATTERN OF CONDUCT: The net effect of these failures is that a consumer with a $XXXX dispute was unable to submit evidence through any channel Synchrony offered for 18 days not for lack of effort, but because every method Synchrony provided was broken, misdirected, or unresponsive. I allege this constitutes unfair and deceptive practices under the XXXX Consumer Protection Act (RCW 19.86).\n\nI was ultimately able to submit documentation on XXXX XXXX XXXX through three channels simultaneously: XXXX Certified Mail (tracking #XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX printed pages), the upload portal (a compressed version), and the chat window. A formal demand letter citing the Fair Credit Billing Act (15 USC 1666) and Regulation Z (12 CFR 1026.13) was included with each submission.\n\nThis is not the first time Synchrony has faced enforcement for CareCredit practices. The CFPB previously ordered Synchrony to pay $XXXX XXXX for deceptive conduct related to CareCredit. I have screenshots of every chat interaction, every email, the corrupted file, the empty Document Center, and the portal\'s undisclosed size limitations. Full documentation available upon request.\n\nThis complaint is also being filed with the CFPB and the FTC.'

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXXnSubject: Complaint Regarding Unauthorized Withdrawal, Misrepresentation of Credit Card XXXX XXXX XXXX XXXX, Terms, and Request for Refund\nTo Whom It May Concern,\nI am writing to file a formal complaint regarding my credit card account with U.S. Bank. When I opened this credit card account at the branch located at XXXX XXXX XXXX XXXX CA XXXX, the bank teller informed me and clearly promised that the account would include rewards and a 0% interest promotional period.\nHowever, shortly before the one-year mark of the account, the bank began charging interest and additional fees that were not consistent with what was promised to me at the time the account was opened. The account was also charged over-limit fees even though my balance did not exceed the credit limit.\nI contacted customer service multiple times to request that the bank review the account and honor the original terms that were promised when I opened the account. Customer service representatives refused to waive the fees or correct the interest charges. I also attempted to contact the branch where the account was opened to speak with the bank manager, but my calls and messages were not returned.\nAdditionally, on XXXX XXXX XXXX, a payment of $XXXX was withdrawn from my money market account without my authorization. The credit card department claims that I authorized this payment, but I did not authorize any such withdrawal. This unauthorized transfer has caused me significant financial hardship.\nI respectfully request the following:\nA full investigation into my credit card account and the terms that were promised when the account was opened.\nA refund of the unauthorized withdrawal of $XXXX from my money market account.\nRemoval and refund of any improper interest charges and over-limit fees applied to my account.\nWritten confirmation of the outcome of this investigation.\nI believe the bank has failed to honor the terms that were represented to me and has processed a withdrawal from my account without my permission. I request that this matter be resolved as soon as possible.\nIf this issue is not resolved promptly, I will consider filing formal complaints with appropriate financial regulatory agencies.\nSincerely,\nXXXX 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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kovo
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX Re : Cease and Desist Communication FDCPA 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ). You are hereby notified to immediately cease and desist all communication with me regarding the alleged debt referenced under the following account : Account Reference : [ Insert account number if applicable ] Pursuant to federal law, you must stop contacting me by telephone, text message, email, mail, or through any other communication method regarding this matter. You XXXX only contact me in writing for the following limited purposes permitted under the law : XXXX. To confirm that you will cease further communication ; or XXXX. To notify me of specific legal remedies you intend to pursue. Any further contact beyond what is permitted under the FDCPA will be documented as a violation of federal law. I will not hesitate to file formal complaints with the appropriate regulatory agencies and pursue all available legal remedies. This notice does not acknowledge liability for the alleged debt, nor does it waive any rights I XXXX have under federal or state law. Please govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX Re : Cease and Desist Communication FDCPA 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that I am invoking my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ). You are hereby notified to immediately cease and desist all communication with me regarding the alleged debt referenced under the following account : Account Reference : [ Insert account number if applicable ] Pursuant to federal law, you must stop contacting me by telephone, text message, email, mail, or through any other communication method regarding this matter. You may only contact me in writing for the following limited purposes permitted under the law : XXXX. To confirm that you will cease further communication ; or XXXX. To notify me of specific legal remedies you intend to pursue. Any further contact beyond what is permitted under the FDCPA will be documented as a violation of federal law. I will not hesitate to file formal complaints with the appropriate regulatory agencies and pursue all available legal remedies. This notice does not acknowledge liability for the alleged debt, nor does it waive any rights I may have under federal or state law. Please govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX Your Printed Name ] XXXX XXXX XXXX. XXXXXXXX KOVO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: DISCOVER BANK
State: NY

Complaint narrative:
CASE TYPE : URGENT APPEAL OF PROCEEDURALLY FLAWED DENIAL CASE # XXXX XXXX AMOUNT IN DISPUTE : {$15000.00} ( XXXX Unique Transactions ) THE INCIDENT : Discover denied my fraud claim # XXXX XXXX. However, this denial was based on a factually incomplete investigation. Discovers analysis only identified XXXX transactions ( {$12000.00} ). A forensic audit of my statements revealed XXXX additional fraudulent transactions ( {$3400.00} ) that Discover failed to identify. The true scope of the fraud is XXXX transactions totaling {$15000.00}. Because the decision was made based on partial data, the denial is legally invalid. THE VIOLATION : Discover denied this claim despite the submission of mandatory federal evidence that protects me under the FCRA and ADA : Ignored FTC Identity Theft Report ( Ref # XXXX ) : Per 15 U.S.C. 1681e ( k ) ( 1 ), this report carries the full legal weight of a police report. It is prima facie evidence of identity theft. Discovers failure to accept this document in lieu of a police report is a violation of the FACT Act. My inability to file a local police report is due to a lack of ADA accommodations at the precinct, which is a barrier beyond my control. Violated XXXX XXXX XXXXXXXX XXXX ( XXXX ) : I have attached my XXXX XXXX Verification Letter ( XXXX Date : XX/XX/year> ). The " timeline '' and " proximity '' arguments used in the denial are discriminatory. They penalize me for delays caused by my documented medical condition. Discover is legally obligated to view this investigation through the lens of my limitations, not standard " neurotypical '' expectations. Invalid " Physical Possession '' Rejection : I possess the physical credit card. Therefore, any " chip-present '' transaction included in the {$15000.00} was executed via cloned hardware ( XXXX XXXX ), not by me. Discover can not rely on " chip security '' to deny charges that physically required a cloned device to execute. THE BURDEN OF PROOF : The submission of the FTC Report shifts the burden of proof. Discover must provide affirmative proof that XXXX not a third party using a cloned deviceauthorized these XXXX specific transactions. THE DEMAND : Immediately Reopen Case # XXXX XXXX. Expand the investigation to include the XXXX missing transactions ( {$3400.00} ). Credit the full {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and a possible violation of the Fair Credit Reporting Act ( FCRA ). An auto loan account that was previously removed from my credit report has been reinserted and reported again on XX/XX/XXXX. This account had already been deleted from my credit file, and I did not receive any notification that it would be reinserted. Under the Fair Credit Reporting Act, when previously deleted information is reinserted into a consumers credit file, the credit reporting agency must certify the accuracy of the information and notify the consumer within five business days of the reinsertion. I did not receive any such notice. This account relates to a vehicle that was resold, and the information currently being reported appears inaccurate. Because the account had previously been removed and proper reinsertion procedures were not followed, I believe this may be a violation of the FCRA. I am requesting that this matter be investigated immediately and that the account be removed from my credit report unless the credit reporting agency can provide proper verification, certification of accuracy from the furnisher, and proof that the legally required reinsertion notice was provided to me. Please provide the method of verification used to reinsert this account, including the name and contact information of the entity that verified the account. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a recent debt verification submitted through the CFPB. The response I received from the company did not match the original creditor or debt collector listed on my credit report. Details of the Discrepancy : The company currently reporting the debt : [ Insert company name as listed on your credit report ] The company that responded to the CFPB dispute : [ Insert name of company that responded ] Account number : [ Insert last 4 digits or full account number ] Date of original dispute : [ Insert date you filed the CFPB complaint ] This discrepancy raises concern about : 1. Proper debt ownership and legal standing of the responding company. 2. Chain of assignment, which was not clearly proven. 3. Possible violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to incorrect reporting and lack of full verification. I respectfully request that the CFPB require the company to : Provide a full chain of assignment ( all documents showing the debts transfer from the original creditor to the current one ). Explain why the verifying company differs from the reporting company. Remove the account from my credit report if they can not prove legal ownership or accurate reporting. I am requesting a full investigation and assistance in having this item corrected or removed if found to be inaccurate or unverifiable. Thank you for your time and assistance. Sincerely, [ Your Full Name ] [ Your Address ] [ Your Email/Phone ] [ Date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have american express card ending in XXXX- too many difficulties in making payment. They keep on applying fees on me - no clarification. telephone line - nobody available. Chat - they want to rush upon me. No clarification. i have submitted payment. XXXX says that payment went thru - but amex saying payment is returned. I have no idea what is going on. RETURN 1 RETURNED DATE XXXX XXXX, XXXX STATUS REPRESENTED RETURN REASON Insufficient Funds This is what Amex says- but i always had enough money in that account. As per Amex- anytime when i made the payment from my sofi account ending in XXXX- it failed with the reason - insufficient funds- which is inaccurate as it always had the funds. XXXX XXXXXXXX XXXX and XXXX XXXX, XXXX Even when the credit card has XXXX balance, auto pay is still trying to take out the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally bank has frozen my account access and ability to use money. I need to buy gas and pay bills.

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