vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: NC

Complaint narrative:
This occurred prior to XXXX when I disputed the transaction. Synchrony Bank, due to the banks ' none compliance with banking policy and procedures to decline an over the year expired, inactive CareCredit card with a XXXX balance. The new cards were not activated, I paid the account in full. Synchrony Bank approved a transaction in the amount of XXXX. Which should have been DECLINED. Once again, I disputed the charge due to the facts, EXPIRED CARD and because I would not pay a debt I did not owe on an over the year expired card. Synchrony Bank retaliated. Now, in retaliation, the bank has attacked my character, character XXXX with the intent to harm my reputation. Statement : Labeled as, High risk of failure to pay. The TRUTH, is that the bank failed to comply with banking policy to decline an over the year expired CARECREDIT card with a XXXX balance. Also, the bank closed other accounts, which is their right, the TRUTH will prevail. The issue is ETHIC ; the bank should be honest with the TRUTH, instead of a dishonesty to assault my character in their unethical behavior. Detail information enclosed with documents to prove my case. I want this TRUTH to be on record.

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 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX fell and was in hospital ICU. I had no way to pay mortgage payment and even tried to sell thru real estate and traditional methods, all were refused and foreclosure was the ONLY method the bank would accept.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have called repeatedly to get my payment changed from the XXXX to the XXXX. I need this to align with my social security payment. I am told this can only be done once a year. When I initially changed this I was told my payment would be the first week. In reality my payments are done the first half of the month. They are refusing to change my payment date till 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 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX I financed an HVAC purchase of {$8300.00} through a Synchrony Bank deferred interest promotion with an expiration date of XX/XX/XXXX. I enrolled in automatic payments immediately and made uninterrupted monthly payments of {$400.00} throughout the entire promotional period. At no point did Synchrony notify me that my autopay amount was insufficient to retire the full promotional balance before the expiration date. No alert, notice, or communication was sent indicating I was on track to have a remaining balance at expiration. On or around XX/XX/XXXX, Synchrony posted a deferred interest charge of {$2600.00}, representing interest that had accrued since the original purchase date. An additional interest charge of {$84.00} posted in XX/XX/XXXX. I contacted Synchrony customer service to request a courtesy adjustment and was told nothing could be done because the promotion had expired more than 30 days prior. I am requesting a full or partial reversal of the deferred interest charges based on my consistent payment history and Synchrony 's failure to proactively notify me that my automatic payment amount would not satisfy the promotional balance by the expiration date.

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 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am disputing the accuracy of a collection account being reported by IQ Data XXXX for {$3100.00}. I paid a {$1300.00} security deposit at the beginning of the lease, however the documentation provided does not clearly show how the deposit was applied toward the balance being claimed. I also disputed charges at the time of move-out during the COVID-19 pandemic. Despite providing supporting documentation, the account continues to be reported without a clear itemized accounting of the balance. I am requesting proper validation and investigation of the reported amount. I have not received any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX. This complaint is being filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at 1. XXXX XX/XX/XXXX {$0.00} 2. XXXX XXXX XX/XX/XXXX {$0.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the fraudulent accounts in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collections and accounts are the result of identity theft and fraud. I have attached a copy of the FTC Criminal Complaint ( Case # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
I am being charged for items which are not described or itemized. I do not get a response when I attempt to reach support. I am not able to each a person when I telephone for an explanation. I answering machine refers me to support. Company information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC confirmed in writing that I met all requirements for a {$400.00} business checking bonus and that the bonus would be paid by XX/XX/XXXX. As of today, it has not been paid. I opened a new PNC business checking account on XX/XX/XXXX under a promotional offer that provided a {$400.00} bonus for meeting specific requirements. On XX/XX/XXXX, I contacted PNC through their secure messaging system to confirm whether I had met the bonus requirements. In the transcript provided by PNC, the representative ( XXXX ) confirmed the following : - I met the average daily ledger balance requirement of {$2000.00} for the first three statement cycles. - I met the 10 qualifying transactions requirement on XX/XX/XXXX. The representative stated that the bonus is paid 6090 days from XX/XX/XXXX, and explicitly told me that XX/XX/XXXX is the 90th day. When I asked, So tomorrow? the representative replied, Correct. Despite PNCs written confirmation that I qualified and that the bonus would be paid by XX/XX/XXXX, the bonus has not been deposited as of XX/XX/XXXX. This failure to honor a published promotional offer especially after confirming in writing that all requirements were met and providing a specific payment date is unfair and misleading. Requested Resolution : I request that PNC honor the {$400.00} business checking promotional bonus as confirmed in their written communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was on 3 months forbearance. I payed more then 50 percent of my balance and applied for forbearance extension. I was told that I said to the teller that I could not afford my monthly payment and therefore was not eligible. This was not true and is putting my mortgage at risk. I applied for hay past due amount to be split into my monthly payments to allow me to catch up. They told me that I was edible but have to wait 5 days. I don't wamt my house and risk and feel agent error is why I was denied Ann extension on forbearance and might be the reason why I might be denied for my payment agreement.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On or around XX/XX/year>, Bank of America placed a debit hold/offset between my linked accounts and removed approximately {$1400.00} from one account to cover a negative balance in another account. This was done without prior notice or warning to me. The funds taken were the money I had set aside to cover my rent and essential living expenses. Because of this offset, I no longer have access to the funds needed for housing and I have already received a 5-day notice regarding my rent. I contacted Bank of America multiple times and spoke with customer service representatives and management requesting hardship assistance, partial release of funds, or any possible accommodation due to the housing hardship this created. I was repeatedly told there was nothing they could do and that the offset was valid. I am requesting review of the handling of this matter, whether proper notice was provided, and whether any hardship accommodation, fee reversal, or other relief can be offered given the immediate risk to my housing situation.

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 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX payroll records now reflect the underlying XXXX debt balance as paid in full, with an unpaid debt balance of {$0.00}. Despite this, Transworld Systems Inc. continues attempting to collect thousands of dollars in additional amounts that have not been clearly reconciled or validated. I have not received a complete accounting showing what portion of the remaining balance represents principal, interest, collection fees, or other charges. Because the underlying debt reflected through XXXX offsets now appears satisfied, I am requesting immediate suspension of additional interest accrual and collection activity until a complete reconciliation is provided. Additionally, the accounting records provided by the XXXX and Transworld Systems Inc. reflect multiple interest charges that are not clearly explained or reconciled. The ledger shows repeated interest entries across several periods, including multiple interest-related entries occurring within the same month, without sufficient explanation of the billing periods, calculations, or how those charges were applied in relation to ongoing XXXX payroll offsets and payments. For example, the records reflect repeated interest activity during XX/XX/year> and other periods in a manner that is difficult to reconcile against the actual declining principal balance and payments already collected. The accounting provided does not clearly distinguish principal, accrued interest, collection fees, or how each payment was allocated. Because of these inconsistencies, I believe the accounting and balance reporting are inaccurate, misleading, or incomplete, and I am requesting a full reconciliation of the account before any additional collection activity or interest accrual continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to document ongoing harassment from the phone number XXXX. This number has been calling me nonstop throughout the day, often repeatedly within short periods of time, despite my attempts to ignore the calls. The constant interruptions have become extremely disruptive and are affecting my daily living, including my ability to focus, rest, and go about normal activities without stress or disturbance. The repeated nature of these calls feels excessive and harassing, and I would like this behavior formally noted and addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I was looking into the benefits of a Robinhood credit card upon reviewing the application to understand the benefits. I was automatically enrolled in charge the {$50.00} subscription fee. I did not get a chance to properly make a decision on if this is something I wanted to commit to not knowing that I was going to be charged immediately so I requested that the same day to have my account canceled so that I could review and understand the benefits before resubmitting. I was not informed that I couldnt no longer set up an account and that this was a permanent cancellation after reviewing the benefits I decided to re-establish my account only to be told that I can never set up account again. I do not think that was fair, and that the on boarding process itself did not provide me with enough information to understand that I was going to be charged immediately or to understand the full benefits. I would like to have my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
My car started having major issues on Sunday XX/XX/year>, so I took it to XXXX XXXX to have the code read. It came back with a mirage of problems that I knew I couldnt fix, on the next business day which was Monday XX/XX/year>. I texted the company AMF ( auto market of Florida ) line to request a payment extension. I was given the steps to email proof of income ( which I did ), proof of hardship ( I sent a video of my hose leaking above the alternator ), and my account was current ( at the time of incident ). I was advised it would take 3 business days, I reached out via text to the company text line and phone calls to my account manager XXXX on Wednesday, Thursday and Friday. It was not until Thursday I was finally able to get ahold of my account manager XXXX via phone call, he stated Ive been reaching out since Wednesday to my boss and Ive received no answer allow me some time to call you back. I stated ok, I called back again 2 hours later multiple times and once I got ahold of him he said there still has been no response, Ill keep trying. Friday I received no correspondence as well as the following Monday. Tuesday I received what I presume to be an automated message letting me know my car has been disabled due to non payment and at risk of repossession. This would make one payment I was told to be at risk for repossession you needed to miss three consecutive payments from XXXX XXXX on the phone months prior. I responded with that and was told there is a 0 tolerance policy on missed payments, I responded You also have a policy on requests regarding extensions which states three days its been a week, what is the update on that?. They responded the next day via text saying let me get with your account manager. He called and asked if I wanted to do a voluntary repo to which I declined. I missed a call and responded via email and have not received any response and to date with regards to my extension, it has been radio silence. My car is currently disabled and I still have no answer two weeks later regarding my request.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding CFPB complaint number XXXX involving Chase Banks continued withholding of my funds. Chase previously responded that they permanently closed my personal account and stated they will not be releasing approximately {$13000.00} that belongs to me. As of today, approximately 15 months have passed since the account restriction and Chase still has not provided a clear legal basis, court order, judgment, or completion date for any investigation that would justify permanently withholding my funds. Chase cited its Deposit Account Agreement and stated it may hold funds pending investigation, but it has never explained : * what specific issue is being investigated, * whether any investigation is still active, * whether any law enforcement agency is involved, * whether the funds were seized pursuant to legal process, * or what legal authority permits permanent retention of my money without resolution. The bank released a portion of my balance but continues to withhold approximately {$13000.00} indefinitely. I have repeatedly attempted to obtain answers directly from Chase and have not received meaningful information or a resolution. The continued withholding of my funds for more than a year without transparency or final determination appears unreasonable and unfair. I request that Chase : 1. Immediately release the remaining funds being withheld ; OR 2. Provide the complete legal and factual basis supporting continued retention of my money, including any legal process, investigation status, or authority permitting Chase to permanently retain customer funds. I also request regulatory review into whether Chases actions comply with applicable consumer banking laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC continues to report inaccurate and disputed information on my consumer credit report without providing documentation sufficient to verify that the account is accurate, complete, legally owed, and properly reportable. I disputed the LVNV account and requested verification of the information being reported. I requested documentation supporting the alleged debt, including the original creditor, original account agreement or application, complete account history, balance calculation, date of last payment or activity, chain of assignment or sale, and proof that LVNV has the legal authority to collect and report this account. Despite my dispute, LVNV has refused to delete or correct the account and has not provided adequate documentation verifying the accuracy and completeness of the information being reported. LVNVs continued reporting is harming me because unverified and inaccurate information remains on my credit report and may affect my ability to obtain credit, housing, insurance, employment, or other financial opportunities. If LVNV can not provide documentation proving that the account is accurate, complete, belongs to me, reflects the correct balance and dates, and is legally reportable, then the account should be deleted from all consumer reporting agencies. I am requesting that LVNV be required to : Provide all documents relied upon to verify the account ; Identify the original creditor and provide a complete account history ; Provide proof of assignment, purchase, or legal authority to collect and report the account ; Explain how the reported balance, dates, and account information were verified ; Describe the investigation conducted after my dispute ; Correct any inaccurate information ; and Delete the account from all credit reporting agencies if LVNV can not fully verify it.

Company response to consumer: Closed with explanation