vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am submitting this complaint regarding Discover Banks decision to close my secured credit card account ending in XXXX without valid cause, despite my full compliance with all account requirements. 
On XX/XX/XXXX, Discover contacted me requesting account verification. I promptly complied and successfully completed the Discover IRS Consent Form XXXX On XX/XX/XXXX, Discover confirmed that the verification process was successfully completed and my account was verified. 

Following this, on XX/XX/XXXX, I made a payment of {$160.00} to bring my account into good standing. At all times, I was making at least the required minimum monthly payments and actively using my card. Despite this, Discover subsequently closed my secured credit card account, citing that it was not being used for its intended purpose. 

I am extremely dissatisfied with this decision, as there was no legitimate reason to close my account. I was using the card appropriately, making timely payments, and had fully resolved any verification concerns requested by Discover. The explanation provided is confusing, inconsistent with my actual account activity, and unsupported by the facts. 

For context, I am a Registered Nurse earning upwards of {$200000.00} per year and have the financial ability to pay off the full {$2500.00} balance at any time. My payment history and income clearly demonstrate my creditworthiness and intent to responsibly maintain this account. Given this, Discovers action appears arbitrary and unjustified. 
I am requesting that the CFPB review Discovers actions in closing my account without cause, despite verified identity, proper usage, and payments made in good faith. I would like Discover to provide a clear and accurate explanation for this closure and to address the negative impact this decision may have on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A card was opened using my identity. I called the company. The company stated they would close the account and report it as a fraudulent account. I then went to XXXX XXXX and reported it as a fraudulent account. But my dispute was listed as accurate. This account is still showing on my credit report. I never opened the account.

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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Bank closed my credit card account without prior notice and provided an adverse action notice containing inaccurate and inconsistent information. 

According to Chases notice dated XX/XX/XXXX, the stated reasons for closure were : 1. Balances on accounts are too high compared to credit limits 2. A prior credit card or deposit account was closed by Chase These statements are problematic for the following reasons : 1. No Prior Chase Account Was Ever Closed I did not previously hold any Chase credit card accounts. Additionally, my Chase checking account was not closed. My deposit account application was initially declined, after which I filed a CFPB complaint regarding Chases deposit account handling. Following manual review triggered by that complaint, the checking account was approved and remains open and active. 

A declined application is not the same as a closed account. The adverse action notice incorrectly states that a prior Chase credit card or deposit account was closed. This information is inaccurate and misleading. 

2. Utilization Condition Existed for Many Months Without Action The notice also references high utilization as a reason for closure. My account had experienced minor over-limit utilization since approximately XX/XX/XXXX. During this period : The account remained in good standing No payments were missed Interest and minimum payments were consistently made Chase continued servicing the account normally If utilization alone were the basis for closure, action would reasonably have occurred months earlier. Instead, the account was closed immediately following deposit account review activity tied to my CFPB complaint. This timing raises concerns about procedural consistency. 

3. Inconsistent Internal Treatment Between Products Following manual review, Chase approved and opened my checking account. At the same time, Chase closed my credit card account while citing an allegedly closed deposit account that is, in fact, active. This indicates inconsistent internal account handling and inaccurate adverse action reasoning.

4. Lack of Transparency and Procedural Concerns The credit card closure occurred without advance notice. The adverse action notice contains factual inaccuracies and does not clearly explain how the stated reasons were applied given the accounts payment history and timeline. 

I am submitting documentation including Chases adverse action notice and my prior CFPB complaint related to Chase deposit account handling for context and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Since XX/XX/year>, I have made continuous, good-faith efforts to enroll in the Income-Based Repayment ( IBR ) plan. Despite my persistence, the servicer ( MOHELA ) has failed to process my application correctly, resulting in significant financial uncertainty and administrative harm. 

Key Issues and Timeline : Persistent Delays : I have been in contact with MOHELA since XX/XX/year>. Each inquiry has been met with claims of a " long application queue '' and empty promises of " escalation '' that never materialized. 
Systemic Processing Failure : My most recent application was submitted via Federal Student Aid ( FSA ) with direct IRS data integration. While the application was marked " completed, '' MOHELA failed to enroll me in the requested IBR plan.

Inaccurate Plan Placement : I was placed into a generic " IDR '' status. When I questioned this, MOHELA agents claimed I was on the " REPAYE '' plana plan that has been legally and administratively phased out and is not the IBR plan I explicitly requested.

Communication Breakdown : Over the last XXXX months, I have been promised callbacks and email resolutions that never occurred. This represents a pattern of unprofessional negligence and a failure to provide the basic support required under their federal contract. 
Conclusion : The inability of MOHELA to resolve this for over half a year has created an undue financial burden. I have provided all necessary documentation and have been proactive in every step of the process. I am seeking immediate correction of my account to reflect the IBR plan as originally requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing regarding my XXXX  loan originated in XX/XX/year> in the amount of {$3200.00}. 

Since origination, I have made XXXX semi-monthly payments of {$140.00} each, totaling approximately {$860.00}. Despite these payments, my principal balance remains approximately {$3100.00}. Upon review of my loan agreement, I discovered that this loan carries an APR of 98.43 %. 

I reside in New Jersey and entered into this loan as a New Jersey consumer. Interest rates of this magnitude substantially exceed XXXX XXXX usury limits for consumer lending and raise serious concerns under state law and federal consumer protection standards, including unfair, deceptive, or abusive acts or practices ( UDAAP ). The loans structure and the true impact of the interest rate were not meaningfully disclosed at origination. Only after I signed the loan and found the contract ( attached ) on the portal did I find that I was being charged unreasonable interest. 

I am filing this formal complaint with the Consumer Financial Protection Bureau requesting regulatory review of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I paid off my mortgage with Shellpoint Mortgage on XX/XX/XXXX of 2025 in the amount of {$28000.00}. Every year they have paid for my taxes from my escrow account. After my payoff, they didn't return any of my escrow back to me and didn't pay for any of my taxes, which they always do ( XXXX, XXXX, XXXXXXXX XXXX ). I have tried to contact them via telephone, email, and mail, to no avail. They do not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
Received debt collection on credit report from unknown source. No prior knowlege of debt provided so I was not given chance to dispute prior to being reported to credit. 
This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am submitting this complaint regarding Honda Financial Services and their failure to release the lien and provide my vehicle title after my loan was paid in full, as well as their continued and improper collection actions. 
I paid off my auto loan with Honda Financial Services in full on XX/XX/XXXX, in the amount of {$13000.00}. Despite the account being fully satisfied, I have not received my vehicle title, nor has the lien been properly released. 
Beginning on XX/XX/XXXX, and continuing through XX/XX/XXXX, I have contacted Honda Financial Services numerous times by phone and email to resolve this issue. Throughout this period, I was repeatedly given conflicting and inaccurate information, including assurances that the title and lien release had been processed when they had not. 
In addition to failing to release the lien, Honda Financial Services continued collection activity after the loan was paid off, including sending repossession agents to collect my vehicle. These actions occurred despite my account having a XXXX balance and even after I provided proof of payment. I have also experienced repeated harassment related to this matter, which caused significant stress and disruption. 
As of today, I remain without my vehicle title, and the lien has not been properly resolved. This has prevented me from exercising normal ownership rights over my vehicle and has caused ongoing inconvenience and harm. Honda Financial Services has had ample time and documentation to correct this issue and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: FL

Complaint narrative:
My account was temporarily suspended without any valid justification. 

I have no late payments, my account is in good standing, and my approved spending limit is {$800.00}, of which only approximately {$400.00} has been used and paid as agreed. 

Despite this, I was blocked from completing a transaction and received vague explanations related to security and fraud prevention, which are completely disproportionate and unsupported by my account history. 

I attempted to resolve this directly through customer messaging and provided full cooperation, including clarification of my payment method. The issue was not resolved, and access to my account remains restricted. 

This appears to be an automated risk decision, not based on actual payment behavior or factual risk. Blocking a compliant customer from using an approved line of credit, without transparency or timely resolution, is unacceptable. 

I am requesting : XXXX. A clear written explanation for the suspension XXXX. Immediate restoration of account access, or XXXX. Formal confirmation that XXXX is unilaterally restricting access despite full compliance All supporting screenshots and agent communications are attached. This claim is submitted to ensure the issue is formally documented and properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello on XX/XX/2025 I transferred {$90.00} to my banking account. During this time my account had XXXX XXXX  and couldn't cover the transaction that was scheduled for {$220.00}. The {$90.00} was in my account for no longer then XXXX minutes and a scheduled payment of {$220.00} got taken out of my account forcing me to pay {$180.00} in overdraft fees. These fees was never there and should not have been authorized. It been times where this happen on multiple occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On XXXX at XXXX I recieved an email from Affirm stating my purchasing power was only {$180.00}. I logged onto my account and found a fraudulent purchase in the amount of {$5700.00} to XXXX. I contacted Affirm through their chat bot at XXXX and explained to them that I did not make this purchase. I contacted XXXX and found out XXXX tickets were purchased to a XXXX even in XXXX XXXX taking place on XXXX. The transaction was made at XXXX on XXXX through my Affirm account. They said the purchase was made using another email of mine i dont use. I filed a police report with my local police. I filed a police report with the XXXX XXXX XXXX XXXX Department, I filed an affidavit with the FTC. Affirm is still holding me responsible for the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year>, my check is XXXX cents Ive contacted the issuing bank which is XXXX XXXXXXXX XXXX which who told me my check was paid immediately. I explained to chase bank this and they are still holding money that is clear

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request goodwill consideration regarding a late payment reported on my auto loan with XXXX XXXX XXXX XXXX. 

During this time, I experienced a short-term financial hardship that caused my payment to be submitted later than usual. This was not intentional, and I take full responsibility for the delay. 

Prior to and after this incident, I have made every effort to manage my account responsibly and remain committed to maintaining a positive payment history. This late payment does not reflect my overall credit behavior or my intent as a member.

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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XX/XX/year>, I rented a vehicle from XXXX ( rental agreement # XXXX ). Due to a system error, my original agreement for a XXXX XXXX was closed early and a replacement XXXX rental was not finalized. I was charged {$310.00} initially, a {$25.00} citation for a vehicle I never used, and an additional {$130.00} that appears related to the XXXX rental. I requested refunds and reversal of the citation from XXXX via email, providing documentation, but have not received a response. I also submitted disputes for the {$310.00} and {$25.00} charges with my bank ( PNC ), providing supporting documentation, and am awaiting provisional credit. XXXX  accounting and customer service responses have been unclear or delayed, and I have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
Total Disputed Amount : {$2300.00} Company : Affirm , Inc . 

I am filing this complaint due to Affirms failure to return a confirmed refund of {$2300.00}, in violation of CFPB rules regarding XXXX XXXX XXXX XXXX refund and dispute protections. 

Timeline of Events : XX/XX/XXXX : Purchase was returned XX/XX/XXXX : The merchant confirmed the return and authorized a full refund. I have written confirmation of this from the merchant. 

XX/XX/XXXX : After multiple phone calls and significant delays, Affirm finally processed the refund. However, they erroneously attempted to refund payments to a bank account that is now closed. 

XX/XX/XXXX : Affirm agents stated that because the bank account was closed, a paper check for the total amount ( {$2300.00} ) was issued and mailed. 

The Issue : As of today, XX/XX/XXXX, I have not received the check. Despite multiple calls to Affirm to confirm my mailing address and personal information, Affirm representatives refuse to provide a tracking number, a check number, or even confirm the specific address where the check was supposedly sent. 

Affirm is effectively withholding {$2300.00} of my funds. Under the CFPBs recent interpretive rule, XXXX  providers must provide the same refund protections as credit card issuers. Affirm has failed to : Issue a timely refund to an accessible account. 

Provide transparent information regarding the status and location of my funds. 

Resolve a clear " billing error '' /missing refund within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I checked my XXXX XXXX XXXX XXXX account and realized I had a statement balance due on XX/XX/year>. I immediately scheduled my payment for that same day ( XX/XX/year> ). My online account did not reflect a late fee on XX/XX/XXXX, and because my account closing cycle was XX/XX/XXXX, I figured my next statement would reflect my payment and I would neither be charged a late fee nor an interest fee ( again because neither were listed on my account when I checked it on XX/XX/XXXX ). Today, XX/XX/XXXX, I checked my account again and was surprised to see that though my new statement reflects my payment on XX/XX/XXXX, it also charged me a late fee of {$20.00} on XX/XX/XXXX, which again, was not visible on my online account on XX/XX/XXXX. I was also charged an interest fee of {$2.00}. My statement thus reflects a balance of {$22.00} to be paid by XX/XX/XXXX, EVEN THOUGH I already paid my statement prior to the account closing cycle on XX/XX/XXXX. It seems odd to me that these fees were not visible on my account on XX/XX/XXXX but that my statement marks them as a line item for XX/XX/XXXX. I called the company today to request a credit for these fees ( especially since I am routinely timely with my credit card payments ) and was told that the best they could do was offer me a {$15.00} credit, and that I would have to pay {$7.00}. The reason for my complaint is that these late/interest fees seem predatory because there is no grace period for making payments and it seems odd that they do not show up on the online account and are reflected on the statement instead. Not everyone has the time to be on the phone with credit card companies, nor to make complaints to the CFPB, therefore I am making this complaint because it seems XXXX XXXX XXXX XXXX 's business practices XXXX affect other consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I tried to contact the company but the company had no record of the debt I did have record of payment but assumed it was an error and did not mind settling I keep receiving notices of being potentially sued for it at an address that I no longer reside at and havent for years but Ive tried three different collection companies to locate this seemingly missing debt at this point I dont know what more I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
repeated harressing phoe calls and repeated text messenging harressins me all hrs of the night and day and refusing to stop after repeated request for them to stop calling. being a foreginer trying to get my info and refusing to stop pestering me

Company response to consumer: Closed with non-monetary relief