vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a prolonged restriction/review on my account and inability to access approximately {$50000.00} of my funds transferred from my account at XXXX XXXX XXXX which I closed once the funds cleared in my Synchrony Savings Account.. My account has been under review for several weeks, and despite multiple calls to customer service and managers, I have not been given a clear resolution date or meaningful explanation for the continued hold on my money. Synchrony representatives informed me that the account is in a review or risk investigation, but the information provided has been inconsistent and unclear. I have cooperated fully with all requests and attempted to verify any information requested by the bank. These funds are urgently needed for important personal financial obligations, including medical-related expenses and bills. The ongoing restriction is causing significant financial hardship and stress. I am requesting that Synchrony Bank : 1. Provide a clear written explanation for the restriction/review. 2. Provide a specific timeline for resolution. 3. Immediately release my funds if no legal issue exists. I also request that Synchrony cease giving conflicting information and assign a knowledgeable representative or escalation specialist to resolve this matter promptly. I have records of my communications with Synchrony and can provide supporting documentation if requested.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I tried to settle account balance due, with Mariner finance, through the law firm heavnee begets and Milhar LLC, they sent an agreement for 3 times the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
California Bank & Trust has given me issues since opening account with no explanation. there is a check deposit over 15 days to no answer why no clear. they keep given me the run around. this bank lock me out of online account. This been going on for a while issues rude bias

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
* * CFPB Complaint Statement Unauthorized Chase Credit Card Account * * I am filing a formal complaint regarding an unauthorized Chase credit card account that was opened and reported in my name without my consent. I did not apply for, authorize, or approve this credit card account. I first became aware of it after it appeared on my consumer credit reports. I have disputed this account multiple times with the credit bureaus, however it continues to be reported as verified without any meaningful documentation being provided to support its validity. I am requesting a full investigation into how this account was opened and how it was verified as accurate during the credit reporting disputes. Account Information : Creditor : Chase Account Type : Credit Card Account Number : XXXX Approximate Date Opened : XX/XX/year> Charged {$3200.00} My concerns are as follows : * The account was opened without my authorization * No valid documentation or proof of application has been provided to me * Prior disputes have resulted only in verified responses without supporting evidence * I have not been provided copies of any signed application, electronic authorization, or identity verification records used to open the account or verify it during reporting investigations

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received a text at XXXX XXXX on XX/XX/XXXX from Access XXXX XXXX a debt collection notification. I have never previously seen the letter or understand what this collection is for. The amount listed is {$170.00}. There is no date of service for the XXXX or description of services, so I am unable to verify that this is real. Additionally, this collection has an old address of a residence I havent life at since XXXX of XXXX. To my knowledge, I didnt visit a minute clinic in XXXX or at all since the end of XXXX. I need verification of services to feel comfortable paying this. Additionally, since I never received any bill from the XXXX, I wasnt aware of money owed before it was turned to collections and not allowed a chance to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Company has reported inaccurate information to my credit report, specifically billing amount. Service was also not provided for the months. Bill : {$750.00}. Ive called numerous times to discuss the matter no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/year>, I applied for and was immediately approved for the Gemini Credit Card, issued by XXXX. At the time of approval, a hard inquiry was placed on my credit report. Within the same day, my account was frozen pending additional " verification, '' with no explanation as to why verification was required after approval had already been granted. On XX/XX/year> I received an email stating my account had been verified and I could begin using the account. This was not the case, as my account is still suspended. I submitted all requested verification information within one business day of the request. As of today, XX/XX/year> 29 days later I have received no response, no update, and no resolution. I have contacted customer service by phone multiple times during this period. On each occasion, representatives refused to provide any information about my account status, refused to escalate my concerns, and were unable or unwilling to offer any timeline for resolution. As a result of this situation : 1. A hard credit inquiry was placed on my credit report, negatively impacting my credit score, for an account I have been unable to use. 2. I have been denied access to an account I was formally approved for, without explanation. 3. I have been given no communication, timeline, or resolution despite repeated contact over the course of a month. I have excellent credit and no history of financial fraud or abuse. There is no apparent legitimate basis for this prolonged freeze. This conduct appears to constitute unfair, deceptive, or abusive practices under federal consumer financial protection law, and a failure to handle consumer accounts in good faith. I am requesting that the CFPB investigate this matter and require Gemini and XXXX to : ( 1 ) immediately resolve my account status and provide a clear written explanation ; ( 2 ) restore full access to my approved account or close it with a formal written denial and reason; and ( 3 ) remove the hard inquiry from my credit report if the account is not activated. I am prepared to provide documentation of my approval, verification submission, and call records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had my AMEX credit card for XXXX years. I have had balances and I have paid balances in the past. Recently in the last couple of months, I got a call from AMEX stating they would close my account if I did not put a charge on it. So I put a charge on the credit card to keep it open. A couple of months later I received a notice from my credit bureau that I have a 30 day late payment reported. I immediately went to my AMEX account and noticed I have no bank account information set up along with no auto pay. I set both up right away and then paid the balance off in full. I called AMEX customer service to ask what happened. They are putting the blame on me for not having a bank account set up and no auto-pay. But I know for a fact I had a bank account set up because I have had balances in the past that I have paid from my bank account. And furthermore, if I had no bank account set up then I had no auto-pay set up. They charged me late fees which I have already paid and they put a late payment on my credit. This must have been an AMEX system error since they can not find a reason why the bank account was removed. I have called several times and they still can not give me a reason to their error. They have done a recent investigation and they are still telling me the same thing. I have never had a late payment with them and I believe this is an aggressive tactic to charge me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chase checking account for business with a {$750.00} bonus if you deposit XXXX in new money and hold it for 60 days. My understanding is that this is an average balance across the 60 day period. This is what I was told when I signed up for this offer at the branch when I created the account. On XX/XX/XXXX, I briefly had the balance fall by {$1.00} from the $ XXXX mark which I immediately corrected today by depositing a {$500.00} check. when I called today XX/XX/XXXX to confirm that I'm still eligible for the {$750.00} bonus, I was told no because I had the 1 day where the balance fell by {$1.00} and was at {$19000.00} This is ridiculous as I was told that it's an average over the 60 days. And I immediately corrected it the next day. And its {$1.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am writing to report a violation of federal mortgage servicing guidelines and unnecessary consumer fee imposition by Newrez LLC regarding the removal of Private Mortgage Insurance ( PMI ). My conventional mortgage loan is owned by XXXX XXXX. Through a series of extra principal payments, I successfully reduced my unpaid principal balance to below 78 % of the property 's original purchase price. Under the Homeowners Protection Act ( HPA ) and XXXX XXXX XXXX XXXX XXXXXXXX, this principal drop qualifies the account for an early termination review based on original value. According to XXXX XXXX strict servicing protocols, the servicer is required to first input this curtailment request directly into XXXX XXXX XXXX automated system to check the property value via an Automated Valuation Model ( AVM ). This automated evaluation carries no cost to the borrower. The servicer is only permitted to require a paid physical valuation, such as a XXXX XXXX XXXX ( XXXX ), if XXXX XXXX XXXX automated platform fails to generate a sufficient confidence score. On XX/XX/year>, I contacted Newrez by phone to request PMI cancellation due to my principal paydown. Rather than running the mandatory XXXX check, Newrez bypassed the automated protocol entirely. On XX/XX/year>, Newrez mailed me a boilerplate letter demanding that I execute a written authorization and submit an upfront payment of {$190.00} for a manual XXXX. Newrez is utilizing deceptive boilerplate forms to extract unvetted fees from homeowners nationwide who are unaware of their rights under investor guidelines and the Homeowners Protection Act ( HPA ). When I called Newrez again on XX/XX/year>, to inquire why the automated check was skipped, customer service representatives refused to provide clear answers regarding whether an XXXX check was ever attempted or recorded in their system logs. Newrez is violating XXXX XXXX guidelines by systematically blocking the free, required automated route and forcing an upfront {$190.00} fee onto the consumer. I have filed a formal RESPA Notice of Error with the company demanding they process my account through the automated system, but given prior issues with this servicer 's billing disputes, regulatory intervention is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: LA

Complaint narrative:
I have twice requested MOHELA adhere to the Louisiana Servicemember Civil Relief Act and cap the interest rates on my student loans at 6 % as required by the law. Additionally, refund me the money that exceeded that rate. I applied with requests and copies of my orders in XX/XX/XXXX and again in XX/XX/XXXX. MOHELA denied my request for Louisiana SCRA benefits both times.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
Select Portfolio Servicing is pursuing foreclosure or foreclosure-related collection while its account history states that multiple payments are unpaid. I have bank records and payment confirmations showing that payments were made and deducted from my bank account, including XX/XX/year>, XX/XX/year>, XX/XX/year>, and other payments listed in my attached timeline. SPS sent a XX/XX/year> letter admitting it received {$2500.00} but refused to apply/process it, while also listing {$200.00} in unapplied funds and demanding {$12000.00} by XX/XX/year> to halt foreclosure. I dispute the default, payment history, reinstatement amount, foreclosure referral, fees, and any credit reporting. I have sent SPS a formal RESPA Notice of Error, Request for Information, and Qualified Written Request. I am requesting immediate correction of the account, a full payment application ledger, a suspense/unapplied funds ledger, reversal of improper fees, suspension of foreclosure activity, and a written explanation of where each payment was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America business checking account with a {$750.00} bonus for depositing {$15000.00}. I hit the 90 day mark for the funds to be in the account last week and have not received my bonus whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, after noticing my credit score had dropped dramatically from approximately XXXX to XXXX, I investigated my credit report and discovered for the first time that my student loan account had been transferred to Aidvantage and reported as delinquent. I immediately contacted Aidvantage to resolve the issue. During that conversation, I was told they had attempted to contact me and that it was my fault I did not receive the information. I was also informed that they would not remove the delinquency from my credit report despite the lack of proper notification regarding the transfer. To bring the account current, I made a payment of {$460.00} on XX/XX/XXXX, covering the past due balance. I also enrolled in automatic payments of {$66.00} per month and have not missed a payment since that time. After being unable to resolve the issue directly with Aidvantage, I attempted to dispute the inaccurate reporting with the credit bureaus by submitting dispute letters on XX/XX/XXXX. Months later, I received requests for additional documentation, including copies of my Social Security card and other identifying information. On XX/XX/XXXX, I contacted the credit bureaus by phone and was ultimately told they could not assist further and that I should file an official complaint with the CFPB. I am requesting a full investigation into the handling of this account transfer, the adequacy of the notifications provided, and the negative credit reporting associated with this account. I also request consideration for removal or correction of the delinquency reporting due to the lack of proper notice during the XXXX student loan payment pause period and my immediate efforts to bring the account current once I became aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CA

Complaint narrative:
On XX/XX/XXXX, I received notification of a garnishment from my employer 's Human Resources department. The garnishment order indicated a claimed balance of {$5900.00}. The Human Resources department stated that the garnishment order was submitted by the XXXX XXXX XXXX XXXX XXXX ( XXXX ), case number XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX. Upon contacting the provided phone number, the call connected to a collection agency named The Moore Law Group. A customer service representative claimed the debt originated from a XXXX XXXX XXXX account opened in XX/XX/XXXX. I requested debt validation, specifically requesting " Proof of the debt, proof of the amount owed, and proof of ownership '' from the collection agency. The only information received from The Moore Law Group was a copy of the court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
In XX/XX/XXXX, I notified XXXX XXXX XXXXXXXX in XXXXXXXX XXXX that I would be moving out early due to purchasing a home. Management approved the early move-out in writing. I have emails from XXXX XXXX confirming the move-out date and congratulating me on my home purchase. Those emails contain no mention of any remaining rent, fees, or balance owed. I vacated the unit on XX/XX/XXXX. During the move-out walk-through, the property manager and office assistant confirmed the unit was in good condition. No one mentioned any remaining balance at that time. I provided my forwarding address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to management in person. After moving out, I never received any bill, invoice, or notice of a balance from XXXX XXXX Apartments. No letter of any kind arrived at my forwarding address. Under XXXX law ( XXXXXXXX XXXX XXXXXXXX ), a landlord must mail an itemized statement of any damages or charges to the tenant 's forwarding address within 30 days of move-out. My XXXX deadline was XX/XX/XXXX. No such letter was ever mailed or received. My XXXX delivery records confirm nothing was sent to my address from XXXX XXXX during this period. Because no itemized statement was mailed within 30 days as required by Illinois law, the landlord forfeited all legal right to collect these charges. Despite this, XXXX XXXX XXXX and its owner, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX referred an alleged balance of {$930.00} to IQ Data XXXX XXXX XXXX XXXX account no. XXXX ) for collections without ever billing me, notifying me, or providing any prior notice of a balance. Additionally, the itemized bill includes a full month of XX/XX/XXXX rent. However, XXXX XXXX advertised the unit as available on Apartments.com on or around XX/XX/XXXX, and rented it to a new tenant for XXXX. They can not legally charge me for a month in which they also collected rent from another tenant. I submitted a formal written dispute to IQ Data XXXX. They responded with a copy of my lease and an itemized bill but provided XXXX proof that any itemized statement was ever mailed to me within the required XXXX window. There is no postmark, no certified mail receipt, and no certificate of mailing of any kind. Their response does not constitute valid debt validation under 15 U.S.C. 1692g. This debt is legally unenforceable. The landlord violated Illinois law by failing to mail the required itemized statement. The collection agency has failed to validate the debt. I was never given any notice before being sent to collections. And I am being charged for a month of rent the landlord collected from a new tenant. I am requesting that IQ Data XXXX immediately cease all collection activity, delete any negative credit reporting related to this account, and provide written confirmation that the account is closed.

Company response to consumer: Closed with explanation