vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am submitting this complaint regarding undisclosed and disputed charges on my CareCredit account serviced by Synchrony Bank. 

I originally borrowed {$320.00}. I made two payments totaling {$270.00} and reasonably believed my remaining balance was approximately {$51.00}. On XX/XX/2025, I made an additional {$50.00} payment in good faith believing this would close my account. 

Only after making this payment was I informed that my remaining balance consisted primarily of previously undisclosed fees, including Payment Card Security charges, late fees, and paper statement fees.

I was not clearly informed that Payment Card Security was optional, nor did I knowingly enroll or provide affirmative consent for this add-on product. I only learned what this charge was when I contacted customer service, and I was told it was for job loss or emergency coverage. Had this been clearly disclosed at account opening or before charges accrued, I would have declined.

I was also charged for paper statements, which I did not request or authorize. I receive my statements electronically and did not opt into paper billing.

When I contacted customer service to dispute these charges and explained that I am experiencing financial hardship, I was told that fee reversals are limited to once per year and that no further adjustments could be made. I was also told that hardship or insurance-related concerns were not their department, and no escalation or review of my consent was offered.

As a result, despite paying nearly the full original balance, I am being asked to pay an additional {$110.00}, which is largely composed of fees I did not knowingly agree to.

I am requesting a full review of these charges, including whether affirmative consent was obtained for the optional insurance and paper statement fees

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant- Credit has violated FCRA rules by calling me more than 7 times in a seven day period. As someone has been calling me from the phone number XXXX which reverts back to Avant Credit. I have 10 calls that have come in from this number in the last 7 days which is a violation of FCRA rules. Im a little behind on my payments due to unforeseen circumstances. But these extra calls violate your rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
My Current account has been restricted/frozen. 

I fully complied with their identity verification request by submitting a valid drivers license and a selfie as instructed. 

Despite this, my account remains locked and Current has failed to provide a reasonable timeline or clear explanation for the delay. 

This restriction prevents me from accessing my own funds. 

I am requesting that Current promptly complete the review and either restore access to my account or provide a written explanation for any continued restriction. 

The account has been restricted for over 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery has been contacting me for about 2 months. They are looking for someone else and they have repeatedly told me that I am not the person they are looking for. They have asked me if I have ever gone by any other name or have I been married. I have not. They have asked me if the last XXXX of my Social Security is and they have provided the numbers. I told them no, that is not me. I have never provided them with my last XXXX of social security. My birthday does not match with who they are looking for and they have said they will take my number off the account. I have received approximately XXXX calls from them. In XXXX they called on the XXXX, XXXX, XXXX and XXXX. On the phone call on XX/XX/XXXX I told them I would file a complaint with the Attorney General if I received XXXX more phone call as I feel that this is harrassment. They will not stop calling me. I filed a complaint today with the Ohio Attorney General XXXX XXXX as well. Every person I have spoken too said they will remove my number but a few days later I get another call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Bank closed my credit card account using unfair and misleading practices and did not follow its own agreement, which allows cash advances. While I acknowledge Chase can close accounts, Chase reasons are inaccurate and based on internal errors and conflicting instructions from chase employees. 
In XX/XX/year>, I lost all credit and debit cards and canceled them to prevent fraud. Chase later cited when they closed this credit card it was due to recently closed accounts and alleged misuse from my credit report however The real reasons why other cards were closed as stated on my credit report were to prevent my lost cards from being used by non authorized users if they were found. Therefore Chase relied on the closing of this account on inaccurate information. 
My daughter, an authorized user, paid {$1000.00} to cover the XXXX bill and her car note. Replacement cards were delayed, causing her to miss the car payment and repossess her vehicle. Once the cards arrived, Chase repeatedly declined transactions my daughter attempted, even though the fraud department cleared and instructed her to retry through XXXX, XXXX XXXX, and at Chase Bank. At no point was she warned that repeated attempts could close the account. 
Chase closed this account on XX/XX/year>, while my authorized user was making a payment on a bill and while the card was current and before the payment due date in XX/XX/year>. Attached is a receipt of that transaction that states suspected fraud on it as it indicates Chase would not allow transactions to go through although my authorized user indicated it was her, I have previously authorized my daughter to speak to them on numerous occasions As soon as my daughter was told it says suspected fraud she called Chase while in the store and they would not help her although she validated all the information and reported she had the card and was currently in the store. The card was closed the same night and this happened after chase employees in the fraud department informed my authorized user to try the cash advances again, again and again just the same week at different companies as well. When we called Chase they demanded the account be brought current before reconsideration, even though restricted access to funds made this impossible to make payment. Penalizing my authorized user for following Chase instructions is unfair and inconsistent with the agreement and is unfair and deceptive practices to take payment but not allow payments to go through. I did not contact Chase in XXXX to inform them that the cards were stolen or that any purchases were not mine. Therefore Chase closed an account based on inaccurate information an did no allow legit charges to go through Chases actions directly caused {$720.00} in additional expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
Apparently I took a loan out for {$650.00}. I dont remember this but they stated they attempted to reach me and it was 3 months behind. So today they took {$560.00} from my bank account and it wasn't authorized. I called after XXXX the place and tried to get them to reverse if as its my rent money and im already 3 months behind. They refused stating they never received contact before during their attempts to call. i have no mail from them, and my XXXX sends all non saved numbers to vm, i have no vm from them either. when i asked the collections member what was total loan amount she said {$650.00} and they took payment of {$560.00}. She then proceeds to say remaining balance is {$650.00}. i asked how could a payday loan of less than {$1000.00}, have an interest rate that allows another {$650.00} to be taxed to me but not issued to me. She couldn't provide me details. This place is trying to rob me blind. I want to sue them. I don't have those funds, it ruined my rent due and my XXXX this weekend. They are charging an interest rate of 349 % and loan principal of {$650.00} which makes a {$650.00} loan equal XXXX which is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
A chime account and credit card was opened using my information and email that I did not authorize. 
On XX/XX/year> I received XXXX in my account from an unknown sender named XXXX, on XX/XX/year> {$200.00} was deposited from the same name, and on XX/XX/year> an email claims that I sent {$300.00} to XXXX XXXX. 
On XX/XX/year> a hold was placed on my account and on XX/XX/year> I received an email that my credit card statement through chime was ready to view. This balance read XXXX and stated my payment was XXXX as well. 

No money has been taken out of my bank accounts or charged to any of my credit cards, however, this is concerning. I have attempted to email and call chime to close the account immediately but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/year>, I authorized a one-time purchase for {$250.00} with XXXX XXXX XXXX XXXX Cash App Card. The transaction remained in a pending/authorization state for an extended period. On XX/XX/year>, Cash App notified me that the transaction had been canceled, and Cash App support later confirmed in writing that the merchant initiated a void of the authorization and returned the funds. 

Several days later, despite the prior void, Cash App posted a completed charge for the same {$250.00} amount, resulting in my account being debited and placed into a negative balance. I did not authorize any new transaction after the merchant-initiated void, nor did I reattempt or approve a capture. 

I disputed the charge and later submitted an appeal, explaining that the issue is not the original authorization, but rather an apparent re-posting or forced capture of a previously voided authorization, which constitutes an authorization lifecycle or settlement error. Cash App denied both the dispute and the appeal, stating only that the original authorization was valid, without addressing the documented void or providing records showing a valid re-authorization. 

I requested documentation showing the full authorization lifecycle, including the original authorization, the merchant-initiated void, and any subsequent re-presentation or capture attempt. Cash App did not provide this information and relied instead on generalized account and device activity. 

My complaint is that Cash App failed to properly investigate or resolve a dispute involving a voided authorization that was later charged without new consent, and failed to provide required transaction-level documentation supporting their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a large electronic payment to my Chase credit card from my verified XXXX XXXX XXXX account. XXXX XXXX XXXXXXXX has confirmed that the payment fully cleared and settled. 

Chase has delayed releasing my available credit and stated that the delay is due solely to the payment being large. A Chase agent further stated that internal Chase policies supersede federal law and that Chase may hold the payment for up to XXXX days. 

My understanding is that under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026 ), payments must be credited as of the date received, and any restriction on available credit must be reasonable, risk-based, time-limited, and accurately disclosed. I have not been provided with a specific regulatory basis, written notice, or documented risk determination justifying a prolonged hold. 

I am concerned this represents : Failure to timely credit a payment Improper restriction of available credit after cleared funds Misrepresentation of consumer rights An unfair or deceptive act or practice ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: DISCOVER BANK
State: AR

Complaint narrative:
On XX/XX/year> my house burned to ground.on XX/XX/year> my house was scheduled for foreclosure sale.Atthat time I owed Discover Home Loans {$23.00} dollars.The sale the house was sold for {$41.00} dollars.On XX/XX/year>XXXX XXXX XXXX issued me a check for XXXX dollars check # XXXX claim # XXXX. 
I contacted Discover they advised me to endorse check and send it to them which I did. So for over a year I have called 56 documented calls 26 emails 3 certified letters have spent hours on phone trying to resolve this.They won't even provide and info or paperwork to me or respond to emails now Discover Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: MI

Complaint narrative:
I am disputing an alleged debt of {$4500.00} attributed to my former tenancy at XXXX at XXXX XXXX. I was promised a final move out statement. They never provided a final move-out statement, itemized charges, or notice of any balance prior to this debt being reported to credit bureaus. 

The account is inaccurate, unverified, and I formally dispute its validity. I requested that Innovative Recovery and park at woodlake provide full documentation validating this debt, including a final statement, itemized charges, and proof of notice. Until validation is provided, reporting this account is improper under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a real estate mortgage loan with JPMorgan Chase online through the customer online portal on XX/XX/year>2025, in the amount of {$760000.00} USD with XXXX XXXX XXXX  XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXXXXXX XXXX, Texas. I disclosed assets via accrual method in private records and XXXX savings bonds as government-backed reserves, and no traditional credit profile due to my opt-out protections. The senior loan officer refuses to process my loan for credit without lawful justification. The loan officer performed a soft credit inquiry without my consent, despite my explicit statements that I do not have, use, or maintain a traditional credit profile due to my opt-out. All legal identifying and administrative documentation have been provided and taken by me. Circumvention, delay, and avoidance are being taken by the company and agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Chime Financial , Inc. for unlawfully withholding my funds after closing my account. 

My Chime account was closed on or about [ XX/XX/year> ]. At the time of closure, my account had an available balance of $ [ exact amount ], which belongs to me. As of today, Chime has failed to return these funds. 

I have contacted Chime on multiple occasions in an attempt to recover my money, including on [ XX/XX/year>. Despite these efforts, Chime has not provided my funds, a clear explanation, supporting documentation, or a definite timeline for release. I have only received generic or non-responsive replies. 

To my understanding, when a financial institution closes a consumer account, it must promptly return any remaining balance unless there is a lawful and documented reason to withhold the funds. Chime has not cited any specific legal basis for retaining my money, nor has it communicated any alleged investigation, dispute, or compliance hold that would justify this delay. 

Chimes actions appear to constitute an unfair and potentially deceptive practice, as I am being deprived of access to my own funds without notice, explanation, or due process. This prolonged withholding has caused financial hardship and disrupted my ability to meet basic obligations. 

I am requesting the CFPBs assistance to : 1. Require Chime Financial , Inc. to immediately release my remaining account balance of {$420.00} 2. Provide a written explanation for why my funds were withheld 3. Confirm that no further action is required on my part to receive my money Thank you for your time and assistance in addressing this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Carvana Group, LLC
State: MA

Complaint narrative:
I purchased a vehicle ( XXXX XXXX XXXX ) from Carvana ( XXXX : XXXX on XX/XX/XXXX, that was misrepresented in condition and mileage. After multiple engine repairs under warranty, we encountered total transmission failure, after warranty expired. I discovered multiple defects and significant odometer discrepancies, as well as multipleundisclosed repairs. I requested documentation from Carvana and XXXX, including full repair and reconditioning records, the XXXX inspection, showing what was repaired and replaced, proof of disclosure of known defects, and reconciliation of mileage discrepancies totalling XXXX XXXX XXXX, XXXX XXXX requests, auction, and dealership records. Despite repeated requests, they failed to provide any verifiable proof. The only documents on my account, were incomplete checklists or generic statements, which do not substantiate their claims. 
Carvanas advertised seven-day money back guarantee does not absolve them of liability or compliance with consumer protection laws ; it does not constitute proof of proper disclosure or inspection. I also filed a complaint with the Massachusetts Attorney General ; Carvanas response was false and unsupported, while my evidenceincluding XXXX  records, XXXX XXXX, and auction/dealership histories that directly contradicts their statements. 
No verifiable repair or inspection documentation ever provided. 
No pre-sale defect disclosure was produced. 
Odometer discrepancies remain unresolved despite multiple requests. 
No independent verification or third-party proof offered. 
False and unsupported statements made in Carvanas response to XXXX  XXXX. 
Repeated requests ignored or responded to only partially with generic replies. XXXX remained undrivable and I called to voluntarily repossess the vehicle after it sat for XXXX months after their so called letter of repossession and no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XXXX has denied my legitimate dispute without conducting a proper investigation, accepted an invalid merchant rebuttal that violates card network rules, and refused to provide documentation of their decision-making process despite offering to do so in writing. This is the XXXX  dispute where XXXX has demonstrated a pattern of failure to advocate for customers, lack of transparency, and regulatory non-compliance. I am requesting immediate refund of {$49.00}, XXXX XXXX XXXX XXXX, and regulatory review of XXXXXXXX XXXX dispute handling procedures.

Company response to consumer: Closed with explanation