vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
b"I locked my new credit card XXXX XXXX XXXX XXXX  from being used days ago and still got another bogus XXXX  charge this morning.\n\nI already have XXXX disputed charges from XXXXHere are the XXXX XXXX  bogus charges I got now on the new card I've never used.XXXX XXXX for $XXXX, and today for $XXXXI've taken all credit cards off my online accounts. I also have the card locked so that no one should be able to use it and got these charges anyway.\n\nI will be getting a new card again from Citi. Total bogus charges since XXXX XXXX are now XXXX disputed charges"

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Company : Synchrony Bank ( CareCredit ) Product : Credit card Issue : Interest charges/ Billing dispute What happened CareCredit applied retroactive deferred interest to our account in XXXX. We were not aware of this charge at the time because the notice was sent only via an email statement, which we did not see. We did not receive any clear, conspicuous, or mailed notice alerting us that deferred interest had posted or that immediate action was required. 

We discovered the retroactive interest charge later and contacted CareCredit promptly upon discovery.

What I did to try to fix the problem We contacted CareCredit and spoke with a supervisor. We offered to pay the full principal balance immediately if the deferred interest were removed as a one-time goodwill adjustment. The supervisor refused and stated that removal is only considered after late-stage delinquency. When we requested escalation to executive customer relations, we were placed back into the general call queue.

Why this is a problem Applying retroactive deferred interest without clear and conspicuous notice caused unexpected financial harm. Requiring customers to become delinquent in order to qualify for relief discourages responsible repayment. We attempted to resolve this promptly and responsibly upon learning of the charge. 

What I want the company to do Remove the deferred interest as a one-time goodwill adjustment and allow us to pay the principal balance in full immediately, or alternatively refund the deferred interest upon payoff.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: FL

Complaint narrative:
I was informed that XXXX sold this account to a third party originally, Plaza Services The above are clear FTC violation of code 15 USC CODE 1681S-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to dispute a deferred interest charge that appears on my XX/XX/year> statement, given that my express intention and payment behavior have always been to avoid or at least reduce interest charges. During the promotional period, I made timely payments that were consistently higher than the minimum payment required. My payment record is proof of my diligence and good faith. 
I trusted that the bank 's system would apply my excess payments sensibly, prioritizing the settlement of the debt subject to the most serious consequences ( retroactive interest ). However, upon reviewing my current statement, I discover that deferred interest has been applied retroactively to the balance, which does not make sense. 
I have pointed out to the company that the specific mechanics of this type of credit, particularly the rule of retroactive interest accrual if 100 % of the promotional balance is not paid off, were not clearly explained to me by the merchant at the time of sale. The merchant convinced me to use this card without disclosing the crucial details of the financing terms. Instead, they indicated that they were assuming the interest. To my surprise, between my XXXX and XXXX balances, my balance practically doubled because they credited me with all the deferred interest. Therefore, I would like to make a payment agreement in XXXX installments without interest being applied.I have expressly requested it and they refuse, which is why I am filing this complaint as a dispute and will await its 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
Synovus Bank - XXXX XXXX I was overdrawn on my account for a few days because I have fallen on some bad times. The banker called me to let me know the status of my account and I tried telling him that I will cover the losses as soon as possible. I have since brought the account up to date and positive. The bank charged me for every overdraft and was compensated. 

They have frozen my account. 

I spoke to customer service yesterday XX/XX/year> where they informed me that the branch has placed a hold on my account an that only the branch can lift the hold. They gave me the contact phone number of XXXX and it went straight to a voicemail that does not even identify itself as a bank or have a proper greeting letting you know you are speaking to an FDIC bank ( unprofessional. ) I left a voicemail, no call back. 

Called the XXXX number to Synovus Bank again. They told me the same thing. I can not reach them by phone, they will not return my call. These are my funds, which they have frozen without explanation or recourse. 

Please help me resolve this issue. I have the right to my funds. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I was a former resident of XXXX XXXXXXXX XXXX in XXXX XXXX, Tennessee. After moving out, I was provided a final account statement showing a total balance due of {$2800.00}. 

On XX/XX/2025, I paid this balance in full using a cashiers check, as instructed by the property. The funds were withdrawn from my bank account, and I have documentation showing the cashiers check was issued and paid. 

After this payment, I was informed that an additional {$200.00} charge had been added to my account. This charge was not included in the original final account statement. I was instructed to Email the property manager and was given their email. I contacted the property manager by email to request an explanation and documentation for this additional charge, but I did not receive a response. 

Despite the balance having been paid in full and without providing documentation to justify the additional charge, the account was sent to collections with the rent recovery solutions LLC and was told to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and was given the phone number ( XXXX ) XXXX I am disputing this debt because it was already paid in full, and the account was sent to collections in error. I am requesting that the account be recalled from collections, marked as paid in full, and that all collection activity cease. 

I have documentation supporting payment, including the final account statement and proof of the cashiers check payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and XXXX XXXX state laws, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the XXXX XXXX  statute of limitations XXXX proof of an active XXXX  debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has XXXX XXXX not provided legally sufficient verification XXXX XXXX, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as XXXX XXXX XXXX  prohibiting deceptive or unconscionable practices under XXXX. XXXX. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes. 


ACCOUNT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I financed a new XXXX  XXXX XXXX XXXX through American Honda Finance XXXX ( XXXX ). Before the repossession, XXXX applied an upcoming payment before its due date, which made my account appear more delinquent than it actually was. 

I did not receive required pre-repossession notices, including a proper notice of default, a meaningful right-to-cure notice, or a clear statement of the amount needed to reinstate or redeem the vehicle. 

XXXX repossessed the vehicle and later sent a Notice of Intent to Sell that did not include all information required by law, including proper itemization, required consumer warnings, and clear sale details. After the vehicle was sold, XXXX sent a deficiency letter that did not include an itemized accounting of sale proceeds, fees, or how the alleged deficiency was calculated. 

I formally disputed the deficiency and requested validation. XXXX responded by providing copies of its own notices but did not provide proof of compliance with repossession and sale requirements, did not provide a complete itemized accounting, and did not demonstrate that the sale was commercially reasonable. 

Despite the unresolved dispute and lack of proper validation, XXXX continues to assert and report a deficiency balance and has referred the account for collection. This has caused significant credit damage, financial hardship, emotional distress, and loss of transportation. 

I believe XXXX is attempting to collect and report a deficiency that may not be legally enforceable due to failures in the repossession and notice process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: IN

Complaint narrative:
I made a {$200.00} payment to PayPal Credit using my debit account.

The payment cleared my bank overnight and is fully settled. with bank Despite cleared funds, Synchrony Bank has repeatedly told me they are holding the payment for XXXX  days. 

No fraud, returned payment, or new account issue exists. 

I have called multiple times and received the same response without policy justification. 

I am requesting immediate posting of the cleared payment, restoration of available credit, and written confirmation that no late fees or interest will be charged.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX sold debt to 3rd party company and is reporting or attempting to collect an incorrect balance on my account. The charges are inaccurate due to billing errors, unrecognized charges, and/or failure to properly close or adjust the account. I attempted to resolve this matter directly with XXXX, but the issue has not been corrected XXXX ( TrueAccord ) XX/XX/year>, XXXX XXXX Hello XXXX XXXX XXXX We received your verbal notice of a dispute and paused all collection activity for 30 days. Please put your dispute in writing by replying to this email or by completing our online dispute form here : XXXX XXXX XXXX XXXX & XXXX. 

You can also mail us your dispute : TrueAccord Corp . 
XXXX XXXX XXXX. 
XXXX XXXX, XXXX, KS XXXX. 

If we do not receive your dispute within 30 days, please know that we will resume collections. 

XXXX XXXX ( TrueAccord ) XX/XX/year>, XXXX XXXX Hello XXXX , This email is to inform you that the investigation into your dispute on your account is still ongoing. 

We will not resume collection activity until we have provided you validation documentation. 
Please let us know if you have any questions during this process. 

Never followed up. Says they have no information to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I deposited a third-party check for {$10000.00} into my Chase personal account. The check was made by XXXX XXXX  and the original payee resides overseas. Chase staff processed the deposit after being informed of this information. 

Chase subsequently requested payment from XXXX and required me to provide a U.S. phone number for the original payee. However, the payee does not reside in the U.S. In an effort to comply, The original payee opened a U.S. mobile number and made every effort to complete the verification with T-Mobile by submitting their personal information, but for reasons beyond their control, the verification could not be completed. 

During this verification process, the funds remained frozen for several months. 

When I requested a refund, Chase demanded the contact information of the check issuer. Since the issuer is XXXXXXXX XXXX  and not an individual, I provided XXXX phone number. Chase then requested a specific extension number for an XXXX employee, which is impossible to provide. Chase ultimately refused to refund my money, claiming that I had not provided verifiable number for the check 's ' maker. 

Problems Identified : 1.Chase imposed verification procedures that international customers could not reasonably complete, resulting in prolonged freezing of funds.

2.The refund process required impossible information ( an individual contact for a corporate check issuer ), which is contradictory and unreasonable.

3.The funds were frozen for over XXXX months, causing financial loss and significant stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX EST on XX/XX/year>, someone pretending to be Wells Fargo Fraud Department called me. They told me that someone had tried to use my debit card to make purchases and walked me through the process. They gained access to my bank account and withdrew all of my money into a XXXX account. I filed a complaint and claim ( as well as reported fraud ) to my bank. The person stole {$2900.00} from my bank account, which was all of my money. The bank did a XXXX day investigation and determined that they could not give me my money back. This is not acceptable.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I opened a dispute with PayPal for a {$200.00} XXXX XXXX XXXX XXXX purchased through XXXX that I was unable to receive. I contacted XXXX before the event began to notify them and request a refund. They refused to provide any remedy. 

PayPal closed my dispute twice, incorrectly categorizing the case as item received when the service was never delivered. PayPal did not properly investigate the claim, did not review my evidence showing that the service was not provided, and failed to acknowledge that XXXX provided no refund option or insurance for this purchase. 

This is not a dispute over buyers remorse. It is a dispute over a service that was never rendered. PayPal is required under the Consumer Financial Protection Act to investigate disputes fairly and accurately, and they failed to do so.

I am requesting that PayPal reopen my claim, conduct a proper investigation, and issue a refund for the undelivered service. 

XXXX has a documented pattern ( including XXXX complaints ) of refusing refunds even when customers can not attend due to emergencies. PayPal enabling this behavior without investigation is unacceptable and violates consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XX/XX/XXXX I received Annual Escrow Account Statement in mail. It stated Escrow Account for Mortgage account # XXXX was short {$49.00}. I wrote check # XXXX Immediately for Escrow Shortage XX/XX/XXXX for {$49.00}. My Mortgage statement for XX/XX/XXXX has went up as if I didn't pay escrow shortage. The amount should be {$1600.00} but now shows incorrect amount of {$1600.00}. I wrote and faxed a letter informing SPS Servicing that I already paid Escrow Shortage of {$49.00} and to please apply escrow payment and update mortgage account to reflect correct monthly mortgage payment amount {$1600.00}. I then received mortgage statement for XX/XX/XXXX, it showed another new amount due {$1600.00}. this is crazy. XX/XX/XXXX I faxed another letter to SPS Servicing reminding them my mortgage payment amount is {$1600.00} and I paid the Escrow Shortage as instructed. SPS Servicing adjusted my mortgage to reflect non payment of full mortgage payment due. I asked SPS Servicing why they were having difficulty adjusting monthly mortgage payment back to the original amount of {$1600.00}? I asked also, why does it take several months for SPS Servicing to correct my mortgage account? I already had gave in to their extra fees XX/XX/XXXX for {$17.00} check # XXXX. My mortgage payment is not {$1600.00}. I have been paying {$1600.00} all year. Why are they doing this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed through Cash app sending money to this gentleman that I knew over the phone and I have proof that he said he would pay me back. I have talked to Cash app and sent them all the proof and they denied it. It was {$7200.00}.. I dont have a place to add the text messages from him. Im not sure where to go from here. Im looking for someone that can help me get cash app to get my money back since I was scammed XXXX XXXX XXXX XXXX and thats all the money I had..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased two engines for {$6200.00} each. The first two was debit card purchase the third was ach payment. The second {$6200.00} was refunded on XX/XX/XXXX. Account was closed XX/XX/XXXX. The ach was reversed due to account closing. Two transactions for {$6200.00} totaling {$12000.00} was sent to my account on XX/XX/XXXX but account was closed XX/XX/XXXX. Trying to get my funds of {$12000.00}

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