vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My complaint is based on false and misleading advertising and ongoing damage to my credit score caused by Synchrony Bank and XXXX refusal to correct a known issue after months of complaints. 

When I applied for the XXXX XXXX XXXX Credit Card, the disclosures and advertising clearly stated that I could increase my secured credit limit at any time in minimum {$50.00} increments, up to my approved maximum credit limit. My approved maximum credit limit was {$1000.00}. This feature was a material reason I applied for and opened the account. 

I have had this account for approximately XXXX months with perfect payment history and no late payments. Synchrony Bank has emailed me confirming that I am eligible for a credit limit increase, and multiple Synchrony representatives have confirmed by phone and text that I am eligible and that there are no issues with my account. 

XXXX and Synchrony continue to advertise that if a customer does not initially deposit the full approved amount, the secured credit limit can be increased at any time up to the original approved limit. In practice, this advertised feature is not available, and I would not have made a smaller initial deposit had I known the increase functionality would not be honored. 

As a result, my credit utilization has been artificially inflated, causing material and ongoing harm to my credit profile, including a significant credit score decline, and denial of credit accounts. interest due to having to finance instead of purchase outright due to such a low credit limit. This has cause me real financial harm. 

Despite repeated attempts to resolve this, when I attempt to increase my secured credit limit through the required XXXXlinked portal, the process consistently fails with an error and can not be completed. Synchrony Bank has stated the issue is caused by XXXX system because the increase must be processed through XXXX credentials. XXXX customer support acknowledged the issue is on their side but refused to fix it and instead advised me to delete my long-standing XXXX account and reapply for a new card, which is unreasonable and harmful. 

I am requesting that this advertised and contractually promised feature be honored, either through a system fix or manual processing of my secured credit limit increase, along with a written explanation and confirmation that my account remains in good standing.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I called my mortgage company, planet home lending back around XXXX or XXXX XXXX about mortgage assistance. At the time my mortgage wasnt ever late. So mortgage takes XXXX information and was told mortgage would be reduced. Thats only reason I called them. They could have told me how long it actually takes and that my mortgage pmt would not go down. Actually when received paperwork yesterday the amount went up over XXXX. Thats no assistance. I called the Va and mortgage company. They never called me like they said. I made all calls. I was lied to. Along the way. There was a special Va plan I could have gottten into but planet handing dragged their feet. Now I have 8 days to accept this modification which makes pmt so much higher. Or not take it and owe over XXXX. Either way is no good. I XXXX if I could just pay my original mortgage and was told no. My question is when underwriters saw that the pmt would increase why didnt they stop. I am angry. Please help me. I cant afford this pmt. And if XXXX get reduced as was told it would bankruptcy is my next thing I got screwed over big time. And then with this latest government shutdown. I am hurting. Planet lending let me down!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my mortgage application. I have experienced several issues involving privacy breaches, unreasonable conditions, and inefficient processing. 

1. Unauthorized Privacy Breach and Contact I explicitly stated that no one other than my broker is authorized to discuss my personal information or file details. Despite this, a member of your QC Underwriting team contacted me directly to question my living and rental situation. This contact was unauthorized and felt like a " sneaky '' attempt to bypass the established communication channels.

2. Unrelated Property Conditions ( XXXX XXXX XXXX My home is fully completed. I am currently building a separate tool shed, which is a personal project and not part of the primary residence required for the loan. Your team has repeatedly insisted on the completion of this shed as a closing condition. A personal shed is unrelated to the propertys habitability or the loans security, and I request that this unnecessary condition be waived immediately.

3. Inefficient " Piece-Meal '' Documentation Requests The processing of this loan has been unnecessarily delayed due to your team asking for documents one by one rather than providing a comprehensive list.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a disputed credit card charge for a {$760.00} car rental security deposit, which is a significant amount of money for me. 

I booked a car rental through a third-party platform ( XXXX ) online for a rental in XXXX in XXXX XX/XX/year>. At pickup, on XX/XX/year>, a separate security deposit of {$760.00} was charged to my Bank of America credit card. 

The vehicle was returned on XX/XX/year>. At the time of return, I was told that the deposit would be refunded after a routine check for tolls or fines. I was never informed of any damage, fines, or violations. No fines were ever communicated to me, yet the deposit was never refunded. 

I disputed this charge with Bank of America. After review and re-evaluation, the dispute was denied solely because the merchant did not provide a contract or documentation. However, neither the rental company nor the booking platform has provided me with the rental agreement, deposit terms, or any written justification for keeping my money, despite my requests. 

Bank of America denied the dispute not because the charge was proven valid, but because the merchant failed to provide documentation and the bank shifted this burden onto me as the consumer. I have already paid this amount in full and am not delinquent. 

I am requesting that Bank of America re-review this dispute, explain what evidence ( if any ) was provided by the merchant to justify retaining my deposit, and consider a good-faith credit if the charge can not be substantiated.

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: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I signed up for the Chase get {$300.00} by direct deposit {$500.00}. 

I recieved deposits from XXXX, XXXX, XXXX and a few more over the last 90 days and because they hide behind their bogus Direct Deposit code they never gave me my {$300.00} bonus.

This is actual income, by definition. From actual employers, other banks, car loans etc all count this as income but because they hide behind their Direct Deposit code, Chase does not accept it, and they cheated me from my {$300.00} bonus. They must have their own definition of direct deposit. XXXX XXXX, XXXX and XXXX all have no problem crediting the Bonus from these direct deposits. It is literally Chase and their stipulations I have not been charged the monthly account fee in 3 months because of the same direct deposits youre ignoring for the bonus, so clearly the system sees my direct deposits and recognizes them, you are just refusing to give me my bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
In early XXXX, I opened a Chime account specifically to take advantage of a reward program. I was referred by someone and understood that I could receive a bonus if I made a direct deposit of {$200.00} or more from an employer. On XX/XX/XXXX, I received a direct deposit of {$330.00}. 
After waiting a few days without seeing the bonus, I reached out to Chime support to inquire about when I would receive it. I was then informed that I had not been enrolled in the referral bonus program. Instead, I was enrolled in a different reward program, which offered a {$250.00} bonus if my account balance reached {$500.00} before XX/XX/XXXX. 

To meet this requirement, I worked hard and deposited an additional {$180.00}, bringing my account balance over the {$500.00} threshold before the XX/XX/XXXX deadline. After this deposit, I contacted Chime support again. They informed me that I should receive the {$250.00} bonus within XXXX business days. 

However, after waiting and following up, I was given conflicting information. The last time I reached out was on XX/XX/XXXX, and I still have not received the bonus or a clear explanation regarding my eligibility. 

I relied in good faith on the instructions given to me by Chime support when depositing funds. I am submitting this complaint because I believe I was misled about the promotional requirements and the bonus was denied after I acted based on the companys guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
The property XXXXXXXX XXXX XXXX XXXX  MT was closed on XXXX XX/XX/year>. PHH Mortgage stated that all final documentation showing the debt was settled would be available on XXXX XX/XX/year>. As of XXXX XXXX, XXXX. I have received nothing. 

I spoke to XXXX on XXXX XXXX who stated that the property was " Real Estate Owned '' and essentially foreclosed. I told her it was closed with a buyer and recorded with the county on XXXX and XXXX XX/XX/year>. She gave me the number to the attorned and the property management company. The property management company ( XXXX XXXX stated that there was no information in her system regarding my property. 

The same day I spoke to a para legal at XXXX, XXXX, and XXXX who are the foreclosure attorneys for PHH Mortgage. The para legal stated they received notice to begin foreclosure on XX/XX/XXXX but then were told to cease for foreclosure on XX/XX/XXXX with no action taken. They were further informed on XXXX XXXX the account was closed with a short sale. 

I am currently on the phone with PHH on XXXX XXXX and they still show the same status " property is " Real Estate Owned ''.

I demand an immediate release of all documentation regarding my account including documents showing the debt is satisfied and no further debt is outstanding. I further demand an apology letter from the CEO of PHH for the continued bad faith actions, negligence, misrepresentations, falsehoods, and poor customer care. This is a continuation of over yearlong issues with PHH Mortgage.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Fidem Baltimore Holdings LLC
State: MO

Complaint narrative:
I have 2 charges. 
One charge was from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX. I received a notice that my credit card was charged by this company in XXXX and I never made a purchase for {$180.00}. I disputed the charge through the app on my phone and they said the charge would be taken off. It was replaced on my credit card on XX/XX/year> with a statement from IGNITE saying the charge was valid. I have no idea what the charge is for. I have never made a purchase from XXXX XXXX. I don't even know where it is. I did not make this charge. No one in my family made this charge either. 

Another charge was from XXXX XXXX XXXX XXXX XXXX WA XXXX. I have never heard of this place. I don't know what it is. Again Ignite said they were removing the charge and then put the charge back onto my account. 
I have tried to follow up multiple times on account resolution for both of these charges and keep getting told i have to pay or it will go on my credit rating and go against me. I will also be charged interest if I do not pay the full amount by the due date. 

When you do a dispute resolution they tell you they don't have a number for the fraud department. They don't have a complaint resolution line. They don't even know what bank the credit card is through. How can you run a business like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I started an account with Charles Schwab : Investor / Checking Account I have had the following issues per paycheck : 1 ) Repeated denied blocks, including key bills 2 ) My account was frozen, on a payday, and I could not access an entire paycheck that I had received 3 ) Inability to transfer or move money, through payments like XXXX. Repeated blocked attempts Asking why this is happening is met with resistance and refusal.

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 making or receiving payments
Company: Block, Inc.
State: AL

Complaint narrative:
Transfered money to my XXXX XXXX  old account by accident now they are giving me the run around about getting my money back all the info matches and gave correct info on old account and new account but always saying there is an error and I no there isn't they are trying to give me the run around on giving me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
if you try to make a transaction and the card value is less than the total amount of the transaction even though you are attempting to do a split purchase and use the money for the card towards the total amount of the transaction, they will put the card on hold and require a new card to be shipped. you also have to wait on hold for XXXX minutes to get this done. then you will not be able to spend the funds for another XXXX to XXXX  days if you even bother to make the phone call. this is done to create a chilling effect which most consumers will not go to the hassle of this and the company will profit 100 % from the card because of the consumer will give up. this is by design and should be addressed by lawmakers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, a payment of {$1900.00} was applied to my auto loan account and then reversed by the lender on the same day. This reversal caused my XXXX system to malfunction, displaying a XXXX balance through XX/XX/year> and preventing automatic payments from processing during that period. 
When the account finally displayed the correct balance in XX/XX/year>, XXXX resumed and processed a payment on XX/XX/year>. In XX/XX/year>, I sold the vehicle and received a payoff calculation from the lender. Following standard practice, I discontinued AutoPay since the current month 's payment was already included in the payoff amount. 
However, in late XX/XX/year>, the lender unexpectedly returned the XXXX payment of {$1900.00} to my account without any prior notice. This reversal resulted in my account being incorrectly marked as more than XXXX months past due, along with assessed late fees and interest charges. 
The payment processing error originated with the lender 's system, not from any action or negligence on my part. I maintained AutoPay throughout the loan term and only stopped it when I received the payoff calculation - an appropriate action when closing a loan. Despite this, I am now facing late fees, interest charges, and potential negative credit reporting due to the lender 's system malfunction. 
I am requesting removal of all late fees and interest charges, correction of my account status to show I am not past due, assurance that no negative information is reported to credit bureaus, and written confirmation of these corrections.

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: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Someone called Barclays and they closed my account in error. I submitted complaint XXXX. They investigated and sent me a letter saying it had been closed in error and they had resolved the issue and sent me a new card. I called to activate the card and was told the account is still closed. I called Barclays and have so far received 3 cards and havent been able to activate any because Im constantly told the account is still closed. Its been weeks since this happened. I still can not understand how a third party can call and close my account without my permission. I could have been traveling with just that one card and would have been lost in a foreign country without access to my credit card. It has been a horrible experience but even worse has been the fact that after saying its been fixed, it hasnt been fixed yet and its been weeks since. Whenever I call they know nothing about it just that my account is closed. 
Even my credit took a big hit and I need it repaired asap.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, a legitimate customer transaction totaling {$7600.00} was processed through XXXXe/PayPal for the sale of merchandise. The funds were successfully collected from the customer, and the product was shipped and delivered. No dispute, chargeback, or return request has ever been filed, and the merchants published return policy is limited to 30 days. 

Despite this, XXXX/PayPal placed a hold on the funds. After repeated requests and full cooperation, only {$2400.00} was released. The remaining {$5000.00} has been withheld for more than 80 days. 

During this period, the merchant provided extensive documentation requested by the company, including invoices, shipping confirmations, proof of inventory, business registrations, tax records, bank statements, and warehouse information. Although the company stated that the account review was completed, it imposed a 90-day reserve without providing a clear legal or contractual justification, a specific release date, or written disclosures explaining why the funds continue to be held.

Multiple follow-ups were made by email, many of which were unanswered or received delayed and generic responses. The company has failed to clearly explain why the funds are not being made available, despite the absence of any customer dispute or risk event.

As of today, the company continues to hold {$5000.00} of the merchants funds, causing ongoing financial harm. The issue is the companys failure to make funds available when promised after completing its review and receiving all requested documentation.

Company response to consumer: Closed with non-monetary relief