vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I financed approximately {$5000.00} of dental work through Smile Generation using a 0 % promotional financing plan in XXXX of 2023. I really only needed a few things done at the dentist but they were very pushy and insisted that I could get 0 % financing. 

At the time of enrollment, the dental office instructed me to set up automatic monthly payments of {$210.00}, which I did immediately. I relied on this schedule to ensure the promotional balance would be paid in full before the end of the 0 % period. 
I never missed a payment, and all payments were made through autopay as instructed. 
At the end of the promotional period, the lender added approximately {$3000.00} in retroactive deferred interest, claiming that my autopay payments left a remaining balance of only {$20.00} due to rounding or payment-allocation differences. 

I was never notified at any point that : the autopay amount provided by the dental office was insufficient to pay off the promotional balance, a small residual balance remained, or the promotional payoff was at risk. 

Had I been notified of even a few dollars remaining, I would have paid it immediately. 

Why I believe this is improper The remaining balance was caused by the lenders or providers miscalculation of the autopay schedule, not by borrower negligence. 
Retroactively adding {$3000.00} in interest due to a minor residual balance constitutes a disproportionate penalty. 
The lender did not provide adequate notice of an impending loss of the promotional rate, which may violate the Consumer Financial Protection Acts prohibitions on unfair or deceptive acts or practices ( UDAP ).

The CFPB has previously issued guidance warning lenders not to structure deferred-interest plans in ways that cause consumers to unknowingly miss payoff deadlines due to autopay amounts that do not fully amortize the balance. 

The disclosures at the time of financing were unclear, and the autopay amount was represented as sufficient to pay off the promotional balance within the 0 % period. 
This appears to be an unfair or deceptive practice : the lender set or accepted an autopay amount that made it impossible for the borrower to satisfy the promotional terms, then charged thousands of dollars in interest without notifying me of the shortfall. 

Once I discovered the charge, I immediately contacted the lender. Their customer support team repeatedly disconnected my calls, and when I asked for contact information for their legal department, they directed me to an email address. That email address automatically replies with a phone number, but calling that phone number redirects me back to the same email address. This closed-loop system appears intentionally designed to prevent customers from reaching anyone with authority and to pressure consumers into paying charges that they can not dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to First Financial Resources, demanding that they either validate the alleged debt or cease reporting it to the credit bureaus. To date, they have failed to provide any validation or correspondence whatsoever. Despite this clear violation of the Fair Debt Collection Practices Act ( FDCPA ), the company continues to report this unvalidated debt to the credit bureaus.

This unlawful reporting has caused direct and measurable harm. I have been denied multiple credit cards, financing opportunities, and bank accounts all of which are essential to the growth and operation of my companies. Their actions constitute repeated violations of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), as they are knowingly furnishing inaccurate and unverified information that damages my credit profile and business prospects.

Requested Resolution : I demand immediate enforcement action against First Financial Resources. Specifically : Require the company to cease reporting this unvalidated debt to all credit bureaus.

Remove the account from my credit reports immediately.

Investigate and hold the company accountable for repeated violations of federal law.

Award monetary compensation for the financial harm, lost opportunities, and business disruption caused by their unlawful reporting.

Their continued disregard for consumer rights demonstrates a pattern of abuse that warrants strict regulatory intervention and financial restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have requested a letter of validation or a XXXX from them and I haven't received any of the requested information

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 2025-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
So I originally purchased a couch for XXXX. The furniture company uses Wells Fargo. I agreed to XXXX $ a month for 12 months and by the end of the year it was to be paid off interest free well, I was actually making XXXX $ payments just to be safe and ensure I pay it off in 12 months. Well after 12 consecutive payments without an issue, they had an error with my auto pay. It was on them and They even waived the late fee. I then kept paying.. I made 4 more monthly payments of XXXX $ then the same thing happened with the auto payments.. I paid them 7 more payments after the fact, until one day I asked why I was still being charged, I asked how much I have paid to them in total the last couple years. They told me I have paid collectively over {$2400.00}! Again, The couch was {$1200.00}. So I paid for it twice and they were/are still trying to charge me..! I never missed a payment, they messed up their auto pay I had set up and I never missed my payments.. I paid for that couch twice. At what point will this get resolved, they falsely accuse me of avoiding payments. Its not honest, and its not accurate. Ive never missed a payment on anything until this unjust act by them. Ive tried to dispute it but they just see the missed payments, because they keep trying to charge me lol. Like what is going on, they should be sued. XXXX couch, I paid them XXXX not realizing, and they are still providing false information and messing up the credit of someone who actually paid them.

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