vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was charged {$7900.00} through an Affirm installment loan ( Loan ID : XXXX, Purchase ID : XXXX ) for an online sales training program called XXXX XXXX XXXX XXXX A dispute is currently active with Affirm under Claim # XXXX. The merchant charged me before providing any refund terms or contractual conditions. The merchant 's Refund Guarantee was not sent until one minute after the charge was processed. I had no opportunity to review the terms before the financing was completed. The merchant 's sales representative verbally misrepresented my refund eligibility and withheld material information about the program 's daily call schedule before purchase. The program 's calls run Monday through Sunday at XXXX XXXX EST times I can not attend as a single mother of a newborn which were never disclosed before I was charged. This makes the refund conditions in the contract impossible for me to satisfy due to information deliberately withheld during the sales process. When I requested a refund, a merchant representative threatened me in writing that filing a dispute would result in action with financial institutions and could harm my credit. This threat was designed to prevent me from exercising my consumer rights. I contacted Affirm to request cancellation while the transaction was still pending. Affirm advised me to wait for the merchant 's response. The transaction finalized before I could act. I filed a formal dispute with Affirm on XX/XX/year> with 14 pieces of supporting documentation. Affirm has stated the dispute may take up to 45 days to resolve. I am filing this CFPB complaint to ensure a regulatory record exists while my dispute is active, and to request that Affirm be held accountable for disbursing funds to a merchant engaged in deceptive sales practices in connection with consumer financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I have an account with the XXXX XXXX from Crypto.com platform, my ID is XXXX. It happened that I did a XXXX remittance on XX/XX/year> for {$230000.00} and the platform sent me the information where to send the funds to a merchant, which I did and I followed all the instructions correctly, but the bank of the receiving party froze his account. The platform passed the deposit from the receiving party to my account, but they dont let me withdraw funds, and its been like this since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
REBUTTAL TO COMPANY RESPONSE : EVIDENCE OF FALSIFIED LEDGER & ELDER ABUSE I am submitting this feedback to formally reject the XXXX-page response from Newrez/Shellpoint as a Falsified Ledger. My attached records prove their accounting is a fabrication. Accounting Fraud : Page XXXX of their ledger claims payments were " reversed. '' My attached XXXX XXXX XXXX XXXX XXXX XXXX prove these were unique, successful payments. Shellpoint seized these funds and then falsified their internal records to manufacture a default. Financial Elder Abuse : My father ( XXXX ) was targeted by a XXXXparty scam. Shellpoint was alerted ( see attached XXXX XXXX XXXX ) but chose to exploit the situation by seizing recovered funds rather than crediting them. They are aggressively foreclosing on a senior despite being paid in full. Documented Lies : Shellpoint 's claim of " no contact '' is a lie. Our XXXX call log proves we contacted them to resolve the XXXX month stolen by scammers. They are obstructing a resolution to steal equity. Notification Failure : They have intentionally excluded my XXXX XXXX ill mother and my wife from these notices to hide their accounting shell game from all stakeholders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: LPI, INC.
State: WA

Complaint narrative:
Lpi has terrible customer reports they continue to charge my account after they declined to fix the warranty issues with the hot tub the unit is non functional. I have many e mails with correspondence of them saying that they would fix the unit but have failed to do so Replacement parts were sent incomplete and did not match the original equipment They continue to charge my bank account even after I have requested them not to LPI, Inc. | XXXX XXXX XXXX XXXXl ( LPI ), Inc., a hot tub manufacturer based in XXXX XXXX XXXX can be reached for customer service and XXXX support at ( XXXX ) XXXX or via their XXXX XXXX XXXX of the last correspondences was. Hello XXXX, Unfortunately, we have had issues getting your service work completed and have decided to unassign the previously scheduled technician from this work order. We apologize for any delays or inconveniences this may cause, but please know we made this decision only in an effort to successfully resolve your issues in a more timely manner. Our team is now diligently working on scheduling a different technician to complete the required work. They raised the interest on my account they have no written authorization from me to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It Concern, On XX/XX/XXXX, I enrolled in autopay for my auto loan. My payment was due on XX/XX/XXXX. On the due date, I noticed no payment had been withdrawn. Upon reviewing my account, I found the autopay date was set for XX/XX/XXXX. I updated the payment date to XX/XX/XXXX. The system confirmed the change and explicitly stated that I could cancel the transaction by XXXX XXXX. Within that allowed timeframe, I canceled the transaction and received email confirmation that the cancellation was successful. To avoid a late fee, I then made a separate immediate payment of {$840.00} at XXXX on XX/XX/XXXX through their third-party payment option. Despite canceling the scheduled payment within the stated timeframe, an additional {$840.00} was still withdrawn from my account via autopay at XXXX on XX/XX/XXXX This resulted in a duplicate payment totaling {$1600.00}. I contacted Ally customer service and spoke with a supervisor XXXX who acknowledged this was not my fault, but refused to provide a resolution and stated I must wait XXXX days for a refund. I was also told that I should have canceled the entire autopay enrollment, which was never disclosed during the cancellation process. This is a failure of their system to honor a confirmed cancellation. Misleading information regarding cancellation rights. A lack of proper disclosure regarding autopay processing and unacceptable customer service, including being interrupted and dismissed. I called back today XX/XX/XXXX spoke to XXXX a supervisor & was met with the same dismissals & lack of urgency/understanding. I was told I have to wait XXXX days. I explained that I only have to wait XXXX days if it is an authorized charge. The charge in question is unauthorized therefore there should be different policies in place for system errors/mistakes. I canceled within the stated window, I have written proof of that and the charge happened anyway. That moves this out of normal processing and into error/duplicate withdrawal territory. Sincerely, XXXX 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
Subject : Regulation E Complaint Failure to Timely Resolve Dispute ( XXXX XXXX XXXX XXXX XXXX Transaction ) To Whom It May Concern, I am filing this complaint regarding the handling of my dispute by Chime pressure * * on Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Booked a hotel tonight through the Capital One XXXX XXXX and a few minutes later found the same reservation through XXXX XXXX XXXX XXXX for {$40.00} less than my initial booking. Exact same booking and no log in required, which is what is listed as a qualification in their XXXX & XXXX. Other qualifications were also met. The agent I spoke with was able to find the reservation but said they cant price match because XXXX is a blocked site. He advised me to find the booking on another site to price match through there. But of course all the sites he names were more than my initial booking through the portal. My issue here is that no where on the XXXX XXXX XXXX does it mention blocked sites. This seems like an unfair and deceptive practice to entice users to book on the portal and deny benefits that are clearly listed. I spent close to an hour on the phone with them explaining this and finally they decided to give me a XXXX time credit for the amount referenced above. However, this does not correct the issue and other people may encounter the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) Unauthorized Electronic Funds Transfer and Failure to Comply with Regulation E I am filing this complaint against Cash App ( Block , Inc. ) regarding an unauthorized electronic funds transfer and their failure to properly investigate and resolve my fraud claim in accordance with federal law. On XX/XX/XXXX, {$830.00} was sent from my Cash App account to a user identified as $ lunayesy without my authorization. These funds were directly deposited into my account and were removed due to what I believe to be unauthorized access and account compromise. I promptly notified Cash App and submitted a dispute and appeal. Despite my report, Cash App denied my claim and stated their decision was final, without providing adequate documentation or evidence that a reasonable investigation was conducted. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), financial institutions are required to : * Conduct a timely and reasonable investigation of unauthorized electronic fund transfers * Provide provisional credit when appropriate during the investigation * Clearly explain the results of their investigation and provide supporting documentation upon request Cash App has failed to meet these obligations. I was not provided with evidence supporting their determination, nor was I given a meaningful explanation of how they concluded the transaction was authorized. I did not authorize this transaction, did not benefit from it, and did not provide access to any third party to send these funds. As a result, I have suffered financial harm. I am requesting the following actions : 1. Immediate reopening of my fraud claim and a compliant investigation under Regulation E 2. Written documentation of Cash Apps investigation findings, including how authorization was determined 3. Full reimbursement of the unauthorized transaction in the amount of {$830.00} 4. Confirmation of steps taken to prevent further unauthorized access to my account If Cash App continues to deny this claim without complying with federal consumer protection requirements, I request regulatory review of their policies and practices regarding unauthorized transactions and dispute handling. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase advertises monthly XXXX credits as a benefit on its XXXX XXXX and co-branded credit cards. The terms state credits are applied on the first of each month and expire at month end. My XX/XX/XXXX credits totaling {$80.00} across multiple enrolled Chase cards did not load on XX/XX/XXXX. I have been enrolled since XX/XX/XXXX and used the credits successfully in XX/XX/XXXX. Nothing changed on my end. I contacted XXXX support starting XX/XX/XXXX ( XXXX ID XXXX ). After 12 days of chats, XXXX DMs, and submitting a secure verification form with my ID and credit card photos, XXXX confirmed in writing they can not manually add credits, can not issue a goodwill credit, and have no direct contact for the team that can resolve the issue. I contacted Chase Support via XXXX XXXX. On XX/XX/XXXX, Chase responded : " We received an update from our Marketing Team. It appears they are unable to assist with or service with XXXX complimentary benefit for Chase-branded and co-branded cards because XXXX is an in-app service only product. '' Chase is advertising a card benefit it can not support or deliver. When the benefit fails due to a system error, Chase refuses to assist and directs customers to XXXX. When XXXX can not resolve the issue, there is no recourse. I am losing {$80.00} in promised card benefits this month and every month through XX/XX/XXXX ( promotion period ) unless this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was enrolled in XXXX XXXX by staff at my doctor 's office during an urgent medical procedure. I was told it was no interest, no late fees financing. I was not informed of the issuing bank 's name, given time to review terms, or told this was a deferred interest product. The account was set up as paperless without my full understanding. I never received physical mail or a clear explanation that all accrued interest would be charged in full if the balance wasn't completely paid off by the promotional end date. I made consistent monthly payments via autopay for the entire 24-month promotional period, paying over {$2300.00} toward the original {$4500.00} balance. However, Comenity bank repeatedly cancelled my autopay without my consent, causing late fees I should never have received. On XX/XX/XXXX, Comenity bank posted a {$3000.00} deferred interest charge calculated on {$5000.00} nearly the full original purchase amount despite two years of payments. My balance jumped from {$2100.00} to {$5100.00}, which is higher than my original {$4500.00} purchase. I paid over {$2300.00} and ended up deeper in debt. I am now subject to 31.99 % APR on the inflated balance. My own statement projects I will pay {$18000.00} total over 20 years on a {$4500.00} procedure I have already paid {$2300.00} toward. At 31.99 % APR on {$5100.00}, my balance will reach approximately {$6000.00} next month, $ XXXX by summer, and could exceed {$10000.00} by end of year on a {$4500.00} procedure I have already largely paid for. This is not a credit product with terms I failed to understand. This is a mathematically designed debt trap that targets people in medical offices during vulnerable moments, strips them of two years of payments, and then locks them into a cycle of compounding debt they can never escape through normal monthly payments. Most recently I made a payment on XX/XX/XXXX. I was also unable to access the promotional plan terms on Comenity 's website clicking " Review Promotional Plan Details '' doesn't work, shows nothing. I can not review the agreement I supposedly agreed to. Additionally, Comenity imposes a strict XXXX ET payment cutoff. Any payment made after XXXX is not processed until the next business day, triggering a {$41.00} late fee. On multiple occasions, Comenity 's website was completely non-functional, making it impossible to make payments on time. When I attempted to resolve this by calling, I experienced long wait times and unresolved issues. This payment system appears deliberately designed to generate late fees. I am aware this is not an isolated incident. XXXX Magazine covered this exact practice in XX/XX/XXXX and numerous consumers have reported identical experiences with XXXX/Comenity. Potential violations : Truth in Lending Act/Regulation Z, Consumer Financial Protection Act, and New York XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am complaining about Robinhood XXXX Credit XXXX refusal to resolve a billing dispute on my statement ( XXXX ID : XXXX ). On XX/XX/year>, while I was physically in XXXX and using an XXXX shipping address, I purchased the XXXX XXXX Bedding Set ( Order # XXXX ) from XXXX XXXX. I intended to order from their XXXX website ( XXXX ), where the identical product is clearly listed at XXXX ( tax included ). Due to a website redirection/geo-detection issue, I was instead routed to the global site ( XXXX ) and charged the higher international price of {$190.00} ( AED XXXX ). This resulted in an overcharge of {$64.00} ( XXXX {$130.00} USD based on the exchange rate on the purchase date ). I made multiple good-faith attempts to resolve this directly with the merchant ( emails to XXXX and XXXX on XX/XX/XXXX and a follow-up, plus XXXX/phone attempts ), but received no response whatsoever. I then filed a dispute with Robinhood for the {$64.00} difference. Robinhood denied the dispute and my appeal citing not enough evidence, even though I provided screenshots of both prices, order confirmation with XXXX address, exchange rate proof, and proof of my contacts with the merchant. I request that Robinhood re-investigate and reverse the {$64.00} overcharge. All evidence was already submitted to Robinhood and can be provided again if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding a fraudulent SYNCB/XXXX credit account that was opened in my name without my authorization. I did not apply for or open this account. This is a result of identity theft. I became aware of this account when it appeared on my credit report. I disputed this account and notified the company that it does not belong to me. Despite this, the account continues to be reported on my credit file. This is inaccurate information and is negatively affecting my credit. I am requesting that Synchrony Bank conduct a proper investigation and provide documentation showing that I authorized this account. If the company can not provide valid proof that I opened this account, it must be immediately removed from all credit reporting agencies.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: NC

Complaint narrative:
Other parties which I had no direct dealings are calling me anytime, daily, nonstops..... harassing me. One of the companies are XXXX, they even texted me, daily, from their number XXXX Another one, XXXX, I do make monthly payment yet the balance keeps going up, I need some explanation, and when I call, it's like no one is there to answer XXXX and XXXX, they're closed, my account with {$0.00} balance, I would like it to be removed off my report as well Lastly, I would the recent inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Complaint Description : Since approximately XX/XX/year>, I have been actively seeking a mortgage loan modification with the loan servicer. I submitted a complete loss mitigation application and have continuously complied with every request for additional documentation. Over a period exceeding six ( 6 ) months, the servicer repeatedly delayed the review process by requesting minor and non-material corrections ( such as formatting changes to dates and duplicative document requests ), rather than conducting a substantive evaluation of the application. Each time documents were resubmitted, the review process was restarted, causing ongoing delays. During this time, I made good-faith efforts to resolve the matter, including updating financial information, responding promptly to all correspondence, and attempting to make payments where possible. Despite these efforts, the servicer failed to provide a clear decision based on the merits of the application. The modification request was ultimately denied without offering reasonable alternative loss mitigation options, despite evidence of financial hardship and the ability to sustain a modified payment under standard industry guidelines. The servicers actions have resulted in unnecessary delay, lack of transparency, and potential violation of loss mitigation procedures by failing to properly evaluate the application in a timely and consistent manner. I am requesting a full and fair review of the application, proper consideration of all available loss mitigation options, and correction of the delays caused by repeated unnecessary document requests.

Company response to consumer: Closed with explanation