vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am submitting this complaint against CareCredit, issued by Synchrony Bank, regarding an unsolicited credit card sent to me without my knowledge or consent. I have held a CareCredit account for several years under fixed terms that I agreed to at the time of opening. I did not request any changes to my account, nor did I request a new credit card product. Without prior notice or my authorization, CareCredit converted my account to a Mastercard rewards card and mailed the new card to my home address. The card arrived in what appeared to be standard, unremarkable mailer indistinguishable from ordinary mail. There was no clear indication of the significance of its contents. I was not informed that activation of this card would constitute my automatic agreement to an entirely new set of terms and conditions, replacing the fixed terms I had held for years. This practice raises serious consumer protection concerns. Had this mailer been lost, stolen, or intercepted, a real and documented risk, the card could have been activated by someone other than me, binding my account to new terms without my knowledge. I never requested this card. I never consented to a product change. And I was given no meaningful opportunity to decline before the card was sent. I am requesting that the Bureau investigate this practice, as I believe it is deceptive, exposes consumers to unnecessary fraud risk, and may violate federal consumer protection regulations regarding unsolicited credit cards and fair disclosure of material changes to account terms.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized airline charge that I believe is the result of identity theft. On or about XX/XX/year>, a charge for an airline ticket was made to my account without my authorization. I did not book this ticket, did not authorize anyone else to make this purchase, and did not travel or receive any benefit from this transaction. After discovering the charge, I promptly contacted Chase to report it as fraudulent and initiated a dispute. Chase conducted an investigation but ultimately denied my claim, stating that the transaction was valid due to matching personal information such as my name and email address. I disagree with this conclusion, as such information can be easily obtained and used fraudulently and does not prove that I authorized the transaction. I attempted to have the case reopened and reviewed again ; however, Chase declined to reopen the dispute and maintained their original decision without providing sufficient evidence that I authorized this transaction. I also attempted to contact the airline/agency involved to obtain additional information and request a resolution, but they were not cooperative and did not provide meaningful assistance. At no point has documentation been provided showing that I personally authorized or used the ticket. Additionally, I did not receive any goods or services related to this charge. I am seeking a fair investigation and resolution, as I believe I am being held responsible for a transaction resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Unresolved Money Transfers and Failure to Credit Funds ( Abound ) Entity Name : TClub, Inc Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX Complaint Description : I am filing a formal complaint against Abound regarding XXXX international money transfers initiated on XX/XX/year>. Despite more than XXXX days passing, the following transactions have not been credited to my destination loan account in XXXX : Transaction ID : XXXX Transaction ID : XXXX Abound has marked these transactions as " Delivered '' in their system. However, the funds are not present in the recipient account. I have engaged in continuous follow-ups with their customer support team, but I have only received generic, automated responses that fail to address the missing funds or provide a definitive timeline for resolution. It appears the company is intentionally delaying the investigation. I am attaching the full record of email correspondence and transaction receipts as evidence of the non-delivery and the company 's unsatisfactory response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that XXXX XXXX XXXX immediately cease and desist all communication with me regarding any alleged debt. Your repeated phone calls and emails are considered excessive and harassing. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request that you stop contacting me. Effective immediately, you are hereby instructed to : Cease all phone calls to my personal, work, or any associated numbers Cease all email communication Cease any other forms of contact, including text messages or third-party outreach You may only contact me further to confirm in writing that you will comply with this request, or to notify me of any specific legal action you intend to take. Be advised that failure to comply with this request will result in documentation of all further contact and may lead to formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. This letter serves as official notice. I expect your full compliance within 15 days of receipt. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This was for a month to month storage unit. The unit was broken into on 2 occasions and the rental company knew that I intended to vacate by a certain mth. They allowed me to call to cancel one unit I rented but informed them that I was moving and would be out of the other unit by the following mth. They continued to charge me for stuff in unit which wasn't mine. So when I questioned them about it, I was told that no where on lease does it say a written notice is required and if it was why did they cancel one unit with just a phone call. I have tried to call them after I moved out on several occasions and no one would answer the phone. They've had many office personnel to work for awhile and quit. So never did they ever return my calls. Only after here recently did I get a collection placed on my credit. And they refuse to admit their mistake.

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 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
My name has been in a data breach with navient and I am not responsible for paying the loans they have sold. I dont agree with none of the student loan debts

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 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: Spring Oaks Capital, LLC
State: IL

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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
This vehicle was voluntarily returned after my wife was dealing with XXXX and this was also during the covid pandemic Our funds were tight and I tried to get them to waive all fees after explanation of our current health situation. My job had slowed down also. They didn't try to work with my situation but only demanded money that we couldn't pay. Now we are getting notices from a collection company after the car was sold. We didn't authorize any company to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Radius Global Solutions LLC
State: TN

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 my consumer report recently.

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 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am submitting a complaint regarding a deferred interest charge that was applied to my account without meaningful or reasonable notice. This was Synchrony bank in association with XXXX XXXX. While Synchrony Bank may include promotional expiration details within monthly statements, I did not receive any clear or prominent notification that my deferred interest promotion was about to expire or that a large interest charge would be applied if not paid in full. As a result, I was unexpectedly charged approximately {$3500.00} in deferred interest. This caused significant financial impact and was not something I would have allowed to occur had I received a clear reminder. I was later informed that Synchrony Bank may offer a 30-day extension in some cases, but I was never notified of this option prior to the promotion expiring. Had I been made aware of either the impending deadline or the availability of an extension, I would have taken action to avoid these charges. Synchrony Bank regularly sends marketing and promotional communications through multiple channels. However, no comparable effort was made to notify me of an impending deadline that carried a substantial financial consequence. Relying solely on passive disclosure within multi-page statements for a material financial event is not, in my view, a reasonable or fair communication practice. I have since paid off the balance and no longer intend to use this 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 explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: KY

Complaint narrative:
The Company World Finance keeps Saying it is correct and won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX of this year, someone fraudulently made purchases using my card information. I do not know how they obtained this information, as I have been out of the country since XX/XX/XXXX. On XXXX XXXX day these purchases were madethe bank sent me text messages issuing a fraud alert and asking me to reply to confirm whether or not I was the one who had made those purchases. I immediately replied " no, '' sinceas I am explaining hereI was out of the country. They responded that the transaction had been blocked and that the funds had not been withdrawn from my account. The transactions appeared as " pending, '' so I assumed that the money would indeed not be taken from my account. On Tuesday, XX/XX/XXXX, upon opening my app, I realized that the money * had * actually been debited, meaning the purchases had, in fact, gone through. That same day, I called Chime to explain my situation, and they opened a dispute to recover the funds from the XXXX transactions, which totaled {$350.00}. The representative I spoke with told me that the dispute would very likely be resolved in my favor ; however, I did not attach any supporting documents at that time. Yesterday, I received an email from the company stating that my dispute had been denied because they found no errors regarding the purchases. Consequently, I called Chime again, and they reopened the dispute. This time, I did attach documents proving that I was out of the country such as airline tickets, purchase receipts, and even a screenshot of an electronic payment I made locally, which clearly displayed the date, time, and location of the transaction on the very same day the fraudulent purchases were made in the United States. This demonstrated that it would have been physically impossible for me to be in XXXX different countriesso far aparton the same day. I thought that, with this evidence, the dispute would surely be resolved in my favor ; however, quite to the contrary, it was denied once again today, XX/XX/XXXX. Chime refuses to take responsibility for the money ; that is why I have escalated this matter to these authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from Byrider on XXXX located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Made payments of {$270.00} every 2 weeks on time. My last payment was on XXXX after receiving a text message from byrider on XXXX {$5900.00} is my current balance without taxes and interest and I have already paid a whopping {$24000.00} on XXXX byrider ask for {$420.00} on XXXX byrider sent my information to a debt collector XXXX XXXX XXXX XXXX XXXX balance {$2000.00} pay {$1300.00} and we will report your account as settle. On XXXX byrider/cnac sent me a text no further extension will be granted w/o communication, my response was I didn't ask for an extension and cnac response I am aware you did not ask for extension. I request that the CFPB conduct a thorough investigation into these practices due to potential fraud, deception, and theft. I am seeking a full resolution, I believe I have met my obligations for paying for the car and I have been unfairly charged and now I no longer have transportation as of XXXX Throughout that time I paid nearly {$25000.00} for a XXXX yet byrider deceptively tried to charge me excessive additional amounts, I believe byrider violated consumer protection laws possibly state or federal laws infringed upon my rights as a consumer. Investigation appropriate resolution to address these unlawful charges is needed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime closed my account, they sent me an email that said I had fraud activity. I didn't use my card today and have had this account for over 5 years. They refuse to tell me any specifics and only keep repeating the same thing vague statement, " at this moment your account is suspended. '' They said I am not allowed to speak to anyone else at Chime about this, I am not allowed access to my hard earned money, they do not have a timeline in which the problem is fixed. I am beyond appalled with the deplorable customers service who can barely understand and speak English. I am not a XXXX but please have people in customer service that can service customers properly. I want a reason why they shut my account off. Also, they are just trying to take my hard earned money. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I ENROLLMENT IN SYNCHRONY BANK MY CARD SECURITY. I RECEIVED THE ENROLLMENT PAPERWORK WITH THE TERMS AND CONDITIONS BY EMAIL. I HAVE CURRENTLY XXXX SYNCHRONY CARD ACCOUNT AND Each account has the my card security which is now my payment security. XXXX the XXXX I had XXXX on my XXXX XXXX and has been out of work still today. I filed a claim on all 4 accounts and each account went in affect once the paperwork synchrony sent out, which is the benefit forms has to be completed before Synchrony start paying the debt that you owe, Twice in XXXX I filed a claim on Acct # XXXX that they repeatedly denied the claim of cancelling the balance once youve been out of work leave of absence or disability for 90 days. Enclosed is all paperwork and proof that they repeatedly dont want to pay off the balance and theres actually not a reason for it. Recently I filed a report through CFPB and they wouldnt address the account I filed a complaint on they addressed another account thats told different. On the enclosed month to month statement you will see where I circled that I PAY FOR THE DEBT CANCELLATION AND THEY STILL ACTING OBLIVIOUS WHEN I CALL THERE CUSTOMER SERVICE ABOUT WHY THEY KEEP REFUSING TO PAY OFF ACCOUNT THAT I PAY EACH AND EVERY MONTH FOR THE SERVICE. WHEN I CALL CUSTOMER SERVICE AT XXXX THEY Give me the COMPLETE RUNAROUND. I CALLED ON XX/XX/XXXX AND WAS TOLD THE SITUATION WILL BE ESCALATED LIKE TODAY, STILL NOTHING THEY REVISE TO HONOR THE CONTRACT THAT I PAY FOR EVERY MONTH. WHEN I COMPLAINED TO THE CFPB SYNCHRONY RETALIATED AND CLOSED 1 OFFMY ACCOUNTS AND WITH THE OTHER THEY DROPPED MY AVAILABLE BALANCE TO {$0.00} meaning they was mad and took my balance and took the available credit I had to spend on 3 accounts. Now its time to pay off BENEFIT # XXXX and they denied the claim but sent paperwork said it was approved. When I called last week the representative told me they reached to XXXX XXXX and was told that my balance was {$400.00} which was a lie in XX/XX/XXXX it was {$5700.00} and that Information is also enclosed with the agreement I enrollment that states, THEY WILL PAYOFF THE BALANCE UP TO {$10000.00}. The are refusing to payoff my balance of that XXXX XXXX ACCOUNT, BUT THEY PAID OFF THE OTHERS. THEY GIVE ME A HATD TIME EVERY SINGLE TIME I FILE A CLAIM AND NOW I CANT GET INTO ANY ACCOUNTS ON THE XXXX WEBSITE ON PURPOSE. THEY ARE BEING MALICIOUS AND REFUSING TO HONOR THE AGREEMENT. THEY HAVE ALL THE SATISFIED PAPERWORK AND STILL REFUSING TO HONOR THE AGREEMENT. When looking at the paperwork everything is highlighted in green and the red amounts thats CIRCLED IS THE AMOUNT EVERY MONTH THAT I PAY TO HAVE SERVICES, THE MY PAYMENT SECURITY BENEFITS.

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 2026-03-31 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I am submitting this complaint regarding my loan servicer, Navient. I believe I was not properly informed of all available repayment options, specifically income-driven repayment plans. Instead, I was repeatedly placed into forbearance without a clear explanation of how interest would continue to accrue and significantly increase my loan balance over time. During this period, I relied on Navient for guidance and support in managing my student loans. However, I now believe that I was not provided with sufficient or accurate information to make informed financial decisions. As a result, my loan balance increased due to interest accumulation, causing unnecessary financial hardship. I am requesting a full and thorough review of my account, including all forbearance periods, interest charges, and any missed opportunities where alternative repayment options, such as income-driven repayment plans, should have been presented to me. Additionally, I request any appropriate corrections, adjustments to my loan balance, and reimbursement of excessive interest or financial harm caused by improper servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX credit card used Wells Fargo. At the beginning of the year they seperated to another company. I requested my balance transfer with the card. It did not. I keep getting notices from Wells Fargo that I owe money. It takes me to a page to create an account. When I go to create an account it says error, please call this number. When I call I sit on hold for them to transfer me to another department then I get disconnected. I contacted XXXX and they gave another number. I call that number and they do not know what to do so they transfer me to Fraud. Fraud does not know what to do. Dear XXXX XXXX : Were writing to let you know that we received your request from XXXX to close your Wells Fargo credit card account. At your request, we closed this account on XX/XX/year>. What you need to know You can no longer make transactions with this account. You will receive a prepaid envelope in the mail for you to return your metal card for safe disposal. Unless you transferred your full balance to your XXXX XXXXXXXX Card and you have a {$0.00} remaining balance on your Wells Fargo Account, you will still be required to make payments to Wells Fargo until the balance is paid off. For information about your XXXX rewards, go to XXXX If you have questions, please call us at XXXX. We accept relay service calls, including XXXX calls.

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