vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Product : Credit Card Company : Synchrony Bank Account : Synchrony Premier Mastercard ( ending in XXXX ) Issue Type : Problem with a purchase/ Incorrectly declined transaction / Poor customer service Complaint : I am submitting this complaint regarding my experience with Synchrony Bank and its handling of fraud detection and transaction verification on my recently opened credit card account. I received and activated the Synchrony Premier Mastercard on XX/XX/year>. On XX/XX/year>, I attempted my first transaction, which was declined. After contacting customer service, the transaction was eventually approved. On XX/XX/year>, I successfully completed two small transactions. However, later that same day, a grocery purchase at XXXX for over {$200.00} was again declined. I contacted customer service a second time to resolve the issue. During this second interaction, I was asked to complete an excessive and unreasonable verification process, including recording a video stating that the transaction was authorized and submitting personal identification. This request was made even though the transaction had already been completed using another credit card due to the denial. Within less than XXXX hours of opening the account, I experienced multiple transaction denials and escalating verification demands that interfered with normal use of the card. The requirement to record and submit a video authorization for an ordinary retail transaction is, in my view, disproportionate, inefficient, and inappropriate. As a result of these repeated issues and the burden imposed by Synchrony Banks procedures, I made the decision to voluntarily close the account. I am requesting the following : Confirmation that this account is reported to all credit reporting agencies as Closed by Customer, with no negative or misleading notation. Assurance that no adverse information related to these events will be reported on my credit file. A formal explanation of the fraud detection and verification procedures applied in this case, including the basis for requiring a video authorization. This account was closed solely due to Synchrony Banks operational inefficiencies and not due to any misuse or failure on my part. I request that this complaint be formally investigated and that I receive a written response addressing these concerns.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I tried to purchase a leather jacket from XXXX for XXXX as well as protection on that jacket. I never received the item and can not contact the merchant though i have tried several times. I disputed the charges as fraud because the item was never sent and appears to be a scam. After XXXX days of waiting for my banks resolution to investigate it, they say they never got a response from the merchant on reversing the charges ( probably because its a scam ) and refused to give my money back. This is a follow up of complaint ID : 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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have attempted three times to apply for my monies back and information. This is cash app. I was fraudulently scammed either by an inside job dealing with law enforcements systems police and/or sheriff departs XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is also a matter of breached data from both systems. The question is how the scammers got the information from that specific day and the incident occur on the same day XX/XX/year>. The incident occurred while the individual was in custody in a holding pattern. This is the third occasion where I reported to Cash app that they were allowing scammers and fraudsters to utilize their financial tools to steal, deceive and do financial crimes against the public and they do nothing but deny the publics claims. Something needs to be done about this and public institutions who breach information about the general public that should have remained private. I was scammed out of {$1500.00} with the individuals using cash app to do so. I would like my money returned by Cash app. It was a scam because in my research media had covered three stories in XXXX and XXXX about the same exact thing that occurred to me. Therefore, all parties are aware of this and doing nothing about it, police, XXXX XXXXXXXX XXXX nobody but the public are getting harmed and put into hardship. This is happening in the XXXX of XXXXXXXX XXXX CFPB needs to make public that the law enforcement entities along with unknown individuals are receiving public information and using it to scam seniors and others using Cash app, bitcoin and other means such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: NC

Complaint narrative:
I have been a paying subscriber of Albert Genius via recurring ACH debits since XX/XX/XXXX. Over the course of XXXX charges I have paid Albert a total of {$540.00}. The subscription price has increased multiple times during this period, from approximately $ XXXX in XXXX to $ XXXX currently. The most recent charge posted on XX/XX/XXXX in the amount of {$19.00} ( Albert reference number XXXX ). Today I attempted to cancel the Albert subscription through the Albert mobile app. Albert refused to immediately process the cancellation. Instead, the app and Albert customer support stated that cancellation requires a " XXXX day account verification '' delay before the cancellation can be processed. This delay is not disclosed at signup and serves no legitimate verification purpose given the account is being closed, not opened. The XXXX day delay appears designed to allow Albert to process at least one additional billing cycle before honoring the cancellation request. This is a deceptive cancellation practice and a known dark pattern that has been the subject of prior consumer complaints against Albert. Following the in-app refusal, I sent both an email and a text message to Albert customer support explicitly requesting immediate cancellation of all services and refund of recent charges. Albert has not responded. I am filing this complaint to escalate the cancellation refusal and to request CFPB assistance in stopping further unauthorized debits from being pulled from my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Greetings, I am submitting this complaint regarding Capital Ones decision to close my XXXX account after multiple returned payment attempts. At no point was I late on a payment or did I miss a payment. Once the payment issue was resolved, I promptly submitted a successful payment, which posted to my account and improved my credit standing. Despite this, my account was subsequently closed on XX/XX/year>. The following is a snapshot of the short history of the card : From XX/XX/year> - XX/XX/year> the total transactions were {$390.00} and the XXXX ending balance was {$19.00}. From XXXX the total transactions were {$1100.00}. My total payments, credits and adjustments during this period was $ XXXX last returned payment was on XX/XX/year> and I resolved this by paying the balance by XX/XX/year>. Five total payments were returned while I resolved issues with my checking account but each of these payments were made or in some cases, increased to either pay off the balance or keep the account balance below XXXX XXXX My primary concern is the lack of clear notice or warning. After the initial returned payment, I was not informed that additional returned attempts could result in account closure, nor was I provided a clear threshold or opportunity to correct the issue before such a severe action was taken. I contacted Capital One customer service and was told the closure was due to returned payments, but no further explanation or escalation was provided. The decision to close the account appears disproportionate given my otherwise consistent payment behavior and the fact that the balance was resolved. This action has reduced my available credit and negatively impacted my ability to continue building a positive credit profile. After identifying the problem with my XXXX account and why my funds were disrupted, I will no longer have the issue and if a payment is returned, I will not attempt to pay it multiple times before securing the funds properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
" You successfully requested a direct deposit on XX/XX/year>. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. Redemption Date : XX/XX/year> '' As of today, XX/XX/year>, no deposits were made to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that was originally charged off, sold to a collection agency, and subsequently paid in full approximately three years ago. The collection agency that acquired the debt has since removed its reporting from my credit file. However, the original creditor continues to report the account as a derogatory charge-off with a {$0.00} balance. While the balance reflects {$0.00}, the tradeline still reflects a derogatory status that does not fully reflect the resolution of the account. I have made multiple attempts to contact both the original creditor and the collection agency to request clarification or correction, but neither party has taken responsibility for assisting or providing a clear resolution. At this point, I am unable to obtain meaningful assistance or confirmation that the reporting can be reviewed or updated appropriately. The account has been fully satisfied for several years, and I have maintained otherwise responsible credit behavior since that time. Given the age of the account, the full payment resolution, and the fact that the collection agency has already removed its reporting, I am respectfully requesting a goodwill adjustment for deletion of this tradeline from my credit report. I have documentation confirming the account was paid in full and can provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
I opened a PayPal account XX/XX/year> I added my XXXX XXXX debit card to my account as well as my wifes debit card so she can use the money when needed upon transferring {$1000.00} into the PayPal account they requested I verify my identity this all happened within XXXX of me opening the account and transferring the money from my XXXX XXXX XXXX my PayPal I sent in the ID documents requested and their response was we are permanently limiting your account and you can no longer use PayPal services they said they will send an email in XXXX days to tell me how I can get my money back because they have to hold the money in case of any charge backs or financial liabilities. First of all I had the account all of 5mins as soon as I put the {$1000.00} into that account they blocked it literally. Ive written them every single day since then filed disputes and complained to them and they refuse to let me speak with a supervisor customer service is horrible and I think its so very unfair that they making me wait XXXX days to release my money when I didnt even get a chance to order a freakin debit card. I had the account for literally 5mins I know they see that and I think they are thieves I think that policy they have is XXXX especially when they can see I transferred that money straight from my own XXXX XXXX account! I work very very hard for my money and its not fair they closed the account after I deposited the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
I am filing a complaint regarding my federal student loan servicer, MOHELA, for failure to process an approved Borrower Defense to Repayment and Debt Relief discharge and issue my required refund. My Borrower Defense application was approved in XX/XX/year>, and as part of that approval, I am owed a refund in excess of {$15000.00} for payments made on the discharged loans. Despite this approval being issued months ago, MOHELA has not completed the discharge process or released my refund. Since the approval, I have contacted MOHELA numerous times and have spoken with multiple customer service representatives and supervisors. No one has been able to provide a clear explanation for why my account has not progressed, why my refund is being delayed, or when the matter will be resolved. I have not received any written correspondence or meaningful updates, despite repeated follow-ups. This prolonged delay and lack of transparency are causing significant financial harm and distress. I have fulfilled all requirements related to my Borrower Defense approval, yet MOHELA has failed to act in a timely or reasonable manner. I am requesting that MOHELA be required to : XXXX. Complete the approved Borrower Defense discharge without further delay, and XXXX. Issue the full refund owed to me as required under the Borrower Defense determination. I respectfully request CFPB assistance to ensure MOHELA complies with federal requirements and resolves this matter promptly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
This company refuses to open fraud cases and continues to send the client to the fraud department with no case. # or no case started at all to get to the fraud department to have them apologize and tell you that you have to call your company back they lied to you.. I would love all my credit back and a XXXX dollars per violation that cfpb finds in this investigation .ive been trying to report fraud since XX/XX/year> and nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Complaint Against Mortgage Servicer Incorrect Escrow, Double Tax Collection, and Failure to Correct Account XXXX : Shellpoint Mortgage Servicing Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, IN XXXX I am filing a complaint regarding an unresolved issue with my mortgage servicer involving an incorrect escrow analysis and improper increase in my monthly mortgage payment. My servicer conducted an escrow analysis that increased my monthly payment to {$3200.00}, citing an escrow shortage of {$4800.00}. This shortage is primarily based on a property tax amount of {$210.00}. This determination is incorrect for the following reasons : The {$210.00} property tax amount has already been paid. I paid my property taxes in full independently for the year. I have also paid my 2026 property taxes, and there is currently no outstanding balance. I provided proof of payment to the servicer, but my account has not been corrected. I never received any phone calls, notices, or written correspondence regarding any delinquent tax amount. Because I paid my taxes in full at the beginning of the payment period, I had no reason to believe any balance remained due. To further investigate, I contacted the XXXX XXXX XXXX XXXX. I was informed that when property taxes are paid in full at the beginning of the payment cycle, small adjustments or balances may not immediately appear on the account, and no notice is typically sent. As a result, I had no visibility into the {$210.00} amount, and it was not an intentional oversight. Despite this, my mortgage servicer : Created an escrow account based on this small, already-resolved amount Calculated a significantly inflated escrow shortage Is collecting approximately {$660.00} per month for property taxes that have already been paid Increased my total monthly mortgage payment significantly This results in me effectively paying property taxes twice and has caused financial hardship. I have contacted the servicer multiple times and submitted documentation, but they have failed to properly review and correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I am the owner of this property by way of deed of trust from XX/XX/XXXX. I am requesting the full loan file and complete account history because the information provided by the servicer is incomplete and inconsistent. The loan shows a due date beginning XX/XX/XXXX, but the account history I received only reflects activity from XX/XX/XXXX through XX/XX/XXXX, leaving a significant gap from XXXX through XXXX with no explanation of payments, servicing activity, or account status during that time. Despite this missing history, the company is claiming the loan is approximately 898 days delinquent as of XX/XX/XXXX. The mortgage statement dated XX/XX/XXXX shows an outstanding principal balance of {$310000.00}, an interest rate of XXXX XXXX, and a total amount due of {$74000.00} to bring the loan current. However, the statement also shows that no principal or interest payments were applied, and instead fees, late charges, and escrow adjustments were added. The account history shows a loan servicing transferred entry on XX/XX/XXXX, along with escrow advances, reversals, and late charges, but does not provide a full breakdown of how the balance and delinquency were calculated from the start of the loan. Additionally, the servicing of the loan was transferred effective XX/XX/XXXX from XXXX ( servicing under XXXX ) to XXXX XXXX. I have not been provided with complete documentation of the loan transfer history, including assignments, allonges, or ownership records showing who legally holds the loan. I am requesting the complete loan file, including : Full payment history from loan origination to present All servicing records and notes Complete escrow history and analysis Copies of the promissory note, allonges, and any endorsements All assignments and transfer documents between entities Documentation showing how the delinquency amount was calculated Any records identifying the correct borrower and obligor on the loan I have made multiple attempts to obtain this information, but the responses provided have been incomplete and do not reconcile the discrepancies in the account. This lack of transparency is preventing me from verifying the validity of the debt and the accuracy of the amounts being claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to formally report a fraudulent transaction and the lack of response from Chime regarding my case. On XX/XX/XXXX, I was scammed out of {$180.00} while attempting to purchase a washer and dryer through XXXX. The seller instructed me to send payment via Chime using their username. After I sent the funds, the seller immediately ceased communication, deleted their profile, and I never received the items. I promptly filed a police report and was advised to follow up with Chime. Since then, I have made multiple attempts to resolve this issue with Chime, including speaking with supervisors. However, from XX/XX/XXXX to XX/XX/XXXX, my case has not been meaningfully reviewed, and I have been told that no action can be taken to recover my funds. I am concerned that Chimes inaction is allowing fraudulent users to exploit their platform without accountability, resulting in financial harm to customers. I respectfully request that this matter be reviewed and investigated, and that appropriate action be taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation