vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This is the exact same thing that happened to me back in XXXX when I filed a complaint with you folks. Here is my complaint from that time : XXXX Account XXXX filed a collection notice with XXXX XXXX. They never attempted to reach out to me. It is a XXXX XXXX debt and I have never had a XXXX account. This was verified with XXXX. However XXXX could not provide me with any letter stating this because Ive never had an account. They did let me take a picture of their computer screen that shows that I am not in their system. Now there is another credit company that NEVER contacted me and filed a report on my XXXX report for the exact same amount that XXXX was trying to collect from me, {$1200.00}. This is not my debt.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/year>, I obtained XXXX XXXX through XXXX XXXX XXXX XXXX and financed the procedure using CareCredit promotional financing. During the financing process, the terms were explained to me in a manner that led me to reasonably believe I would have no interest for XXXX years and that interest would begin afterward similarly to a traditional credit account. It was not clearly explained to me that if the balance was not fully paid by the end of the promotional period, all deferred interest would be retroactively charged from the original transaction date. After the promotional period ended, thousands of dollars in retroactive interest were added to my account, causing the balance and monthly payments to increase significantly. Had these terms been clearly and properly explained, I would have made different financial decisions regarding the procedure and financing. After the balance increased, I made multiple good-faith attempts to work with CareCredit/Synchrony Bank to avoid default . I requested hardship assistance, lower monthly payments, or a reasonable payment arrangement because I was experiencing financial hardship. I was not refusing to pay the debt and was actively seeking a manageable solution. However, I was not offered meaningful assistance and was effectively told there were no reasonable options available to help me maintain the account responsibly. During my attempts to seek assistance, one of the primary suggestions I was given was to close the account rather than being offered a realistic hardship program or affordable payment solution. I felt this guidance was unhelpful and ultimately contributed to the account falling further into financial distress. The account has since been placed into collections with XXXX XXXX XXXX, causing substantial financial hardship and damage to my credit. I believe the deferred-interest terms were presented in a misleading and unclear manner, and I am requesting a review of the disclosures, servicing practices, hardship assistance handling, and the accuracy of the credit reporting associated with this account.

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 2026-05-20 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: TX

Complaint narrative:
I am filing a complaint about my CareCredit/Synchrony account connected to XXXX XXXX. I canceled treatment with XXXX XXXX because of repeated problems with impressions, repeated return visits, billing confusion, and insurance/financing issues. After cancellation, XXXX XXXX kept approximately {$660.00} instead of fully reversing the financed balance. Because XXXX kept this amount, CareCredit did not receive a full cancellation refund. I dispute this retained amount because I canceled due to repeated unresolved problems with treatment and billing. I do not believe I should be responsible for this amount. The money involved came from my XXXX income, and this has caused financial hardship. I am XXXX XXXX and need a clear explanation in simple terms.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX for a XXXX XXXX. Not my last name and hasn't been since XXXX. The letter has the same address, but different zip codes. I had fraud done in XX/XX/XXXX and back many years ago. Several breaches. But I have NEVER applied to TD bank. Went in XX/XX/XXXX and I thought this was resolved. I want all info and a letter that this is not my debt and it will be taken off from where ever it came and wiped off PERIOD. THIS IS FRAUD. I'm tired of the XXXX party system XXXX XXXX they use to verify info that doesn't stop this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Tomo Networks, Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting a complaint against Tomo Mortgage due to their misleading and unreliable conduct throughout my mortgage application process. Tomo Mortgage repeatedly assured me that I was preapproved, then fully approved, and even confirmed I was ready to close, only to abruptly deny my loan mere days before my scheduled closing date. Throughout the process, I relied on their assurances that my application was successful, and I acted accordingly, including making financial commitments. Their last-minute reversal has caused significant disruption and financial harm. I am requesting that the CFPB investigate Tomo Mortgage 's misleading practices and hold them accountable for their failure to uphold clear, truthful communication during the mortgage process. I have emails for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am disputing a TOYOTA MOTOR CREDIT CORP account appearing on my consumer credit reports because I never opened, applied for, authorized, used, or benefited from this account. Account : TOYOTA MOTOR CREDIT CORP Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX I believe this account may result from identity theft, mixed-file contamination, or inaccurate consumer reporting. I have requested investigation and correction of this inaccurate information. My only legal name is XXXX XXXX, and I have never used the aliases XXXX XXXX or XXXX XXXX XXXX. I request : 1. Full reinvestigation of this account ; 2. Deletion of the account if it can not be verified as mine ; 3. Copies of any application, signature, identity verification, vehicle information, or supporting documentation associated with this account ; 4. Correction of any inaccurate personal information connected to my consumer profile. This inaccurate account has caused harm to my consumer credit profile and identity integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been applying for several loans. Finally got a call back from who they said was Light Streams XXXX they said that I was approved for XXXX but that we needed to place several deposits into my bank and then I would withdraw them through my XXXX XXXX to look as if Im making payments. I did that in increments of {$490.00} XXXX times and then did a second set for {$490.00} again XXXX times and then my limit with the bank ran out so I called the bank to increase it because they said that they wanted to do XXXX more sets and the bank told me at that time that they were putting phony checks into my account and that they were withdrawing the amounts to XXXX XXXX so The immediately stopped it and tried to get back as many payments that Ive been sent to XXXX XXXX but they missed the first few payments and now I am liable to both my bank for {$3400.00} and to XXXX XXXX for {$5000.00} XXXX XXXX closed my account and I have been to the bank and they are helping me to resolve, but they told me that I needed to report it. I have the text chain and I can provide it.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I sold cryptocurrency on XXXX like I have been doing for years now but all of the sudden they put a XXXX day hold on it, then I went transfer my XXXX balance to my bank and they froze and suspended my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding unfair and deceptive billing practices and the denial of hardship assistance. I opened a credit card account with XXXX in 2017 with a credit limit of {$1400.00}. Since opening the account, I have consistently made monthly payments of approximately {$64.00}. Despite years of on-time payments, I have only reduced the principal balance by {$130.00}. The majority of my payments have been applied to fees and other charges rather than the principal balance. This has created a situation where I am effectively trapped in a cycle of debt with no meaningful progress toward paying off the account. I believe this is an unfair and predatory practice. I have contacted XXXX XXXX XXXX to request assistance through a hardship program or to negotiate a reasonable payoff amount. I was informed that I do not qualify for any hardship or settlement options. Given the length of time I have been paying and the minimal reduction in principal, I find this response unacceptable. I am currently experiencing financial hardship and can not continue making payments under these terms. I am seeking relief and a fair resolution. I am requesting the following : A reasonable settlement or reduced payoff amount, they said I didn't qualify. A review and possible refund or adjustment of excessive fees charged over the life of the account. Access to a hardship program with fair terms that allow me to resolve this debt. I believe this account has been structured in a way that prevents consumers from successfully paying down their balance, and I am asking for assistance in reaching a fair and just resolution. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: TN

Complaint narrative:
I am submitting a complaint regarding the handling of a wage garnishment by Weber & Olcese. Timeline of events : On XX/XX/year>, I paid the account in full pursuant to a settlement/payment agreement. The funds cleared my bank account on XX/XX/year>. Despite payment being made and cleared, my wages were garnished beginning on XX/XX/year>. On XX/XX/year>, Weber & Olcese confirmed to me by telephone that the account balance was XXXX and stated that the process to stop the garnishment had been initiated when payment was received. I was told I would recieve an email stating that my account was satisfied. XXXXXXXX XXXX XXXX, my wages were garnished again. I called to ask about the documentation that I requested. I was told I have to wait for the court to process the request. I later contacted the court and was informed that no filing or communication had been received regarding release of the garnishment. On XX/XX/year>, Weber & Olcese informed me that they did not actually file anything with the court until XX/XX/year>, after the final garnishment had already occurred. My concerns are : Wage garnishment continued after the account had been paid in full. I was told the garnishment release process had already been initiated when apparently no filing had yet been made. I have been unable to obtain clear written documentation regarding the status of the account and garnishment timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX of XXXX XXXX XXXXXXXX XXXX from {$60000.00} to {$190000.00} was originated and approved by XXXX XXXXXXXX in 2010 The XXXX was then sold to XXXX XXXX, XXXX, then to XXXX XXXX then to Wells Fargo for {$180000.00}. The owners have been paying the bill for predatory loan. None of these funds were received by allege borrowers. The loan was approved and dispersed between said Companies are no cash out to borrower XXXX and XXXX XXXX. This XXXX has removed all funding for repairs and emergency and allowed an additional {$65000.00} to Wells Fargo Home Mortgage. Signature on this XXXX remains in dispute. Dispersement of this XXXX remain in dispute.

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 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo said but now has been transferred to XXXX ; that they do not have to maintain records " ( XXXX ) years following the closure of an account '' THE HOUSE IS BEING FORCLOSED ON XX/XX/XXXX THE FILE HAS NEVER BEEN CLOSED Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Re : Supplemental CFPB Submission - Newrez XX/XX/XXXX Payoff Statement CFPB Case No. : XXXX XXXX XXXX. : XXXX Property : XXXX XXXX XXXX, XXXX, NY XXXX To Whom It May Concern : I am submitting this follow-up to supplement my prior CFPB complaint and related submissions concerning this long-pending foreclosure and servicing dispute. On XX/XX/XXXX, XXXX issued a revised payoff statement claiming a total payoff of {>= $1,000,000}. However, the same payoff statement identifies the principal balance as only {$290000.00}. The payoff is being driven largely by {$450000.00} in interest, {$270000.00} in funds owed by borrower / escrow-only payment, and additional fees. The statement also identifies the next payment due date as XX/XX/XXXX. Category Principal Balance Amount {$290000.00} Interest to XX/XX/XXXX Fees Funds owed by borrower / Escrow Only Payment Total Payoff Claimed Per Diem {$450000.00} {$12000.00} {$270000.00} {>= $1,000,000} {$81.00} This new payoff statement is important because we previously submitted a good-faith short payoff offer of {$300000.00}. XXXX 's own payoff statement shows that the {$300000.00} offer exceeds the stated principal balance. The claimed payoff amount appears to be driven by disputed servicing-related interest, escrow/advance items, and foreclosure-related charges accumulated over many years

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 2026-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This credit card is currently the only financial resource I have available for my daily expenses and essential purchases. Due to XXXX XXXX repeated blocks, declines, and failure to properly resolve the issue despite my many attempts to obtain assistance, my daily life has been severely disrupted and practically paralyzed. Their negligence and inability to provide a permanent solution have caused me constant stress, emotional distress, and significant limitations in my normal activities, including essential purchases and important personal obligations. The issue remains unresolved at this time despite repeated calls, identity verifications, fraud reviews, and an in-person bank visit. Additionally, Wells Fargo representatives refused to provide me access to information related to my own account activity and customer service history, including records of the multiple times I contacted customer service, the fraud department, and the repeated instances in which my card was blocked or my transactions were declined. I attempted to obtain this information in order to better understand and resolve the issue, but the bank refused to provide these records or reports. I am extremely disappointed with Wells Fargo and the way this situation has been handled. I trusted this institution with my financial needs, yet instead of receiving effective support and solutions, I have experienced repeated disruptions, stress, uncertainty, and ongoing inconvenience. This entire experience has deeply affected my confidence in the bank and in its ability to properly assist and protect its customers. I am also aware that financial institutions, including Wells Fargo, have previously faced complaints, regulatory actions, and legal claims related to issues such as improper or excessive account and card blocks, frozen accounts affecting customers access to funds, repeated fraud flags on legitimate transactions, mishandling of fraud investigations, unjustified transaction declines, deficient customer service, failure to provide customers access to important account-related information, and emotional distress and financial disruption caused by unresolved banking issues. Unfortunately, my experience reflects many of these same concerns, and despite my repeated efforts to resolve the matter, the problem continues unresolved.

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