vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: CT

Complaint narrative:
This is the result of me calling PayPal about my account showing a XXXX XXXXXXXX credit and to letting them know that my bank did not pay the XXXX additional payments and there should not be a credit amount and to show their appreciation for bring the error to their attention after the representative, as a courtesy, gave me a credit for the interest charged the previous month and instead of the credit on my account I requested a refund check for the credit balance. So for being proactive and honest the XXXX reimbursed me for the interest charge from the prior month. The next day it was all reversed by PayPal. I sent this email today after XXXX weeks of repeated calls attempting to get a resolution. Dear Customer Service Team, I am writing to formally express my dissatisfaction with the current payment processes at Synchrony Bank and PayPal, as they have proven to be neither effective nor efficient. I am requesting a detailed explanation regarding a scheduled payment of {$5000.00}, originally set for XX/XX/XXXX, which was subsequently withdrawn from my bank account on XX/XX/XXXX. Please clarify the following : - Why did the payment post for an amount different from the {$5000.00} I authorized? - Why were there XXXX additional withdrawal attempts made after the payment was already received? - Why am I continuing to receive notifications regarding this matter? I was under the impression this was resolved following a discussion with a XXXX and a representative who issued a courtesy refund of {$120.00}. - Why is there a remaining balance of {$0.00} when the bill was paid in full? After, speaking to a representative on XX/XX/XXXX to confirm which date the payment should be paid in order to avoid any interest fees, which he confirmed the due date of XX/XX/XXXX. I look forward to your prompt response and a clear resolution. Best regards, 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 2026-04-30 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: OH

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime for a transaction of {$290.00}. The merchant, XXXX XXXX XXXX, provided a professional invoice for services but deceptively processed the payment via XXXX as " Friends and XXXX. '' This was a bait-and-switch tactic used to intentionally strip me of consumer protections. The services were never rendered as agreed. Despite providing Chime with the original professional invoice and evidence that the merchant misrepresented the transaction type to avoid a refund, Chime denied my dispute. I attempted to resolve this directly with both the merchant and XXXX before filing, but the merchant has refused to provide the service or a refund. I am filing this complaint because Chime failed to conduct a proper investigation into this deceptive billing practice, which violates my rights regarding disputed transactions. I am requesting a full reinvestigation and a reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my Cashapp was hacked and stolen. Within XXXX minutes this hacker completely unlinked me from and stole my account. Unlinked my email and my phone number and I havent been able to access my account since. I have made numerous attempts to resolve this issue through Cashapp but they treat me like I am the scammer. They give me XXXX information other than to say its being investigated. It has now been XXXX weeks since then and all they do is give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted SoFi to dispute and revoke authorization for any further withdrawals from my account. I clearly informed the company that I did not authorize any additional debits. Despite this notice, on XX/XX/XXXX, SoFi withdrew {$170.00} from my account without my consent. After the transaction, I contacted SoFi again to dispute the charge and request a reversal. However, the company has not provided a satisfactory resolution and has failed to correct the issue. Actions I took : Notified SoFi on XX/XX/XXXX to revoke authorization for withdrawals Contacted the company again after the XX/XX/XXXX withdrawal to dispute the charge Requested a refund and explanation Issue : SoFi processed a withdrawal after authorization had been revoked. This appears to violate federal consumer protection laws related to unauthorized electronic fund transfers. Requested Resolution : Immediate refund of {$170.00} Written confirmation that no further unauthorized withdrawals will occur A full explanation of how this withdrawal was processed after authorization was revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year> Chime closed my account as they were notified of XXXX XXXX Bankruptcy filing and in the process seized the balance of {$27000.00} that was in my checking account as a collateral. Chime Financial did not have a separate Checking and Secured card account on the app - the funds were all in the Secured Credit Card account. When the closed the account, the entire balance was taken out of my account resulting in my Checking account balance being XXXX. I requested information from Chime and they sent me an email stating that my account was closed due to XXXX XXXX bankruptcy filing and that i was " Ineligible '' for a refund. This was money that I received from my last paycheck when i was laid of from my work and this is money that I need to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
When i applied for the AMEX Platinum card i reached out immediately upon approval to have the Louisiana specific SCRA to be applied and also have the membership fee waived.it has been a couple of weeks now and i received a reply on this subject on XX/XX/year> stating they applied the XXXX to the account. when i reached back out and asked why they didn't cap my interest for SCRA they stated that SCRA is applied to prior enlistment debt. I keep stating its Louisiana SCRA which is specific on debt also occurred during service. They have closed the ticket out and I'm done negotiating with them and would like this issue to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
ON XX/XX/XXXX CITI BANK CLOSED MY ACCOUNTS WITH A LIFETIME SAVINGS WORTH OF FUNDS. THEY GAVE ME NO EXPLANATION OF WHY AND THEY JUST TOOK MY ACCOUNTS WITHOUT ACKNOWLEDGMENT NOW I HAVE BILLS I CANT PAY FOR BECAUSE OF THEM. THEY ARE TAKING MY HARD EARNED MONEY!

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 2026-04-30 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: Block, Inc.
State: NV

Complaint narrative:
Cash App previously confirmed in writing that my account was compromised and accessed by an unknown third party. Cash App also confirmed that, because the account was compromised, the account was closed to prevent further unauthorized transactions. In that same correspondence, Cash App stated that reimbursement could be issued either by opening a new Cash App account or by mailing a physical reimbursement check. I responded promptly and clearly requested a physical reimbursement check. I provided my full name and mailing address as requested : XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX After I provided the requested information, Cash App reversed its position and stated that no reimbursement would be issued because I had filed a dispute with my financial institution and my debit card ending in XXXX had allegedly already been refunded. This is incorrect and misleading. My bank did not provide a final or permanent resolution. My bank provided only a provisional credit while the investigation remains pending. A provisional credit is temporary and may be reversed. Cash Apps own written correspondence confirms that the fraud originated through Cash App, that my Cash App account was compromised, and that the account was accessed by an unknown third party. I informed Cash App that my financial institution expected the fraud to be resolved at the point of origin, which was Cash App. I also explained that any provisional credit issued by my bank would be subject to reversal and that the banks temporary credit should not be used by Cash App as a reason to avoid reimbursement for confirmed unauthorized activity. Instead of resolving the matter or issuing the physical check that Cash App previously offered, Cash App closed my support case. Cash App then directed me to contact support through the app, even though my Cash App account has been closed. This effectively blocks my ability to communicate with Cash App through the method they are requiring. I am requesting CFPB assistance because Cash App has acknowledged that my account was compromised by an unknown third party, offered reimbursement, requested my mailing information for a physical check, then refused reimbursement based on a misunderstanding of a temporary bank provisional credit. Cash App then closed the case and directed me to use an app account that Cash App itself closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Debt validation Itemized accounting Itemized statement of charges Chargeoff calculation documentation Pastdue amount calculation Barclays only sent 12 months of statements, which does not satisfy any of the above. -- - Here is your full CFPB complaint text ( paste this into the box on your screen ) What happened : I disputed the accuracy of the balance reported by Barclays Bank Delaware on my XXXX credit report. Before filing the dispute, I requested full debt validation, including an itemized accounting and chargeoff calculation showing how the balance, pastdue amount, and writtenoff amount were determined. Barclays did not provide this. They only sent 12 months of statements, which does not validate the balance or explain the chargeoff or pastdue calculations. I then disputed the account with XXXX. XXXX closed the dispute with a generic verified as accurate response and later marked the account as Completed investigation of FCRA dispute consumer disagrees. XXXX did not provide any documentation, did not explain how the balance was verified, and did not address the issues I raised. No validation was provided by either XXXX or Barclays. Why this is a problem : Under the FCRA, XXXX is required to conduct a reasonable investigation and provide the results. They did not. Barclays also failed to validate the debt when I requested full documentation. The balance, chargeoff amount, and pastdue amount remain unverified. What I want : I am requesting that the CFPB require XXXX and Barclays to : Provide full debt validation, including itemized accounting and chargeoff calculation Provide documentation supporting the reported balance and pastdue amount Conduct a real investigation Correct or delete the tradeline if the balance can not be validated

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 2026-04-30 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: Chime Financial Inc
State: GA

Complaint narrative:
This Incident Happened On Sunday, XX/XX/year>. XXXX My Name Is XXXX XXXX and I Live In XXXX , GA I went to XXXX XXXX XXXX and ordered a meal and right after I received my lunch, I started to receive random calls and texts from some people who sounded and pretended to be customer support from Chime, they told me that someone was trying to use my card in XXXX XXXX Tx . Then they were like to prevent anyone to use this card were gon na go through and cancel your account, my account got hacked deleted and then resurfaced after calling chime, I put it a dispute because all of my rent money was stolen when my account got stolen and chime keep denying my dispute after Ive given them details for three days straight, the agents who overlook the situation, denied me because the transactions look authorized, but Im taken them my money was taken and spent on XXXX, XXXX, and XXXX, without me even knowing and when I got my account back Im negative {$13.00}, Im missing {$1200.00} and Chime dont want to give it back and my rent is due Ive filed 2 disputes for the same case and they keep denying me and it isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a follow-up complaint regarding CFPB Case No. XXXX. I was unable to submit my response before the case was closed and am requesting further review. I am not disputing the general terms of the deferred interest promotion. However, I dispute Comenity Capital Banks conclusion that no adjustment is warranted because their autopay system behaved inconsistently and directly impacted my ability to pay off the promotional balance on time. Comenity states that one-time payments reduce or cancel the next scheduled automatic payment. My account history shows this was not applied consistently : - After making a double payment in XXXX, my XXXX automatic payment was not withdrawn, which aligns with their stated policy. - However, after making similar multiple payments in XXXX ( approximately {$160.00} and {$140.00} ), I reasonably expected my XXXX automatic payment to be reduced to a small remaining amount ( around {$20.00} ) or canceled. - Instead, Comenity withdrew the full {$160.00} automatic payment in XXXX, contradicting their own explanation. This inconsistent autopay behavior made it impossible to accurately track my payoff progress. Critically, had autopay been applied consistently, one additional properly applied automatic payment would have paid off the remaining promotional balance before the expiration date and prevented the deferred interest from being triggered. Additionally, the billing statements did not clearly or prominently disclose the exact amount required to avoid deferred interest by the deadline. There was no clear, actionable guidance showing the payoff amount needed to ensure compliance with the promotion terms. I acted in good faith, made consistent payments, and relied on the banks autopay system to function predictably. Instead, inconsistent system behavior directly contributed to this outcome. Given these circumstances, I am requesting a goodwill adjustment to remove or significantly reduce the deferred interest charges applied to my account. I am seeking a fair resolution based on the impact of the banks inconsistent autopay processingnot a dispute of the promotional terms themselves. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
In XX/XX/XXXX, I sent two payments through XXXX totaling {$1500.00} ( {$1000.00} and {$540.00} ) for merchandise that I never received. I attempted to dispute the transactions with XXXX but was told that because purchase protection was not enabled, I needed to file a dispute with my bank. I then filed a claim with Bank of America in XX/XX/XXXX. On XX/XX/XXXX, XXXX initiated a chargeback against the recipient for the full {$1500.00}, and the recipients account was debited. However, I did not receive those funds. On XX/XX/XXXX, XXXX informed me via email that they had issued a full refund of {$1500.00} to my debit card and that it would take 35 business days to process. As of today, I have not received the funds. My bank has confirmed there is no incoming or pending refund transaction. I have requested the Acquirer Reference Number ( ARN ) or trace ID from XXXX so my bank can locate the transaction, but XXXX has not provided this information. Despite multiple escalations and communications, XXXX has stated that the matter is resolved without providing proof of settlement or returning the funds. At this time, I do not have the {$1500.00}, my bank does not have the funds, and XXXX claims the refund was issued but can not verify it. I am requesting that XXXX provide verifiable proof of the refund transaction ( ARN ) or immediately reissue the full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A fair resolution would be for the credit reporting agencies to conduct a full and reasonable reinvestigation of the disputed XXXX XXXX XXXX account and require the furnisher to provide complete and verifiable documentation supporting the accuracy and completeness of the account. This includes, but is not limited to, the original signed application or contractual agreement, the complete payment history, and the accurate Date of First Delinquency ( DOFD ). If the account can not be fully verified with complete, consistent, and accurate documentation, I request that it be permanently removed from my credit report. Additionally, I request that the method of verification be disclosed, including how the account was verified, what documentation was reviewed, and who was contacted during the investigation. I also request that my credit file reflect only information that meets the Fair Credit Reporting Act standards for maximum possible accuracy and completeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: OK

Complaint narrative:
I get a unexpected error and support wont fix the issue and I get application not approved am the they tell me We're sorry, XXXX, but we weren't able to approve your Cash App Card request at this time. We understand this is frustrating, and we wish we had more details to share about why the decision was made or what comes next, unfortunately, that information isn't available to us right now. Its XXXX years none of support can fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
No money was loss, I wasnt aware of the actions that took place. My wallet was stolen

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX closed my credit card account for alleged inactivity without giving me effective prior notice or a meaningful opportunity to prevent the closure. I later contacted XXXX to ask why the account had been closed and was told that they had attempted to notify me by USPS mail, but that the mail was repeatedly returned. XXXX did not explain why they failed to use other verified contact methods on file, such as email or phone, especially after they claim mailed notices were not reaching me. I have lived at the same residence for over a decade, and XXXX has successfully mailed account-related items to me at that address in the past, including the original card issued around XXXX and a check for the remaining credit or balance on the account. I did not receive any email correspondence in XXXX warning me that the account was at risk of closure due to inactivity. I had also contacted XXXX multiple times in prior years, including around XXXX, XXXX, and XXXX, to explain that the card originally issued to me had expired and that this prevented me from accessing or using the account. Despite those attempts to resolve the issue, XXXX closed the account for inactivity. The closure reduced my available credit, affected my credit utilization, and negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
As I am nearing the completion of my car loan from Ally Auto, they are suddenly claiming that my account has over {$3000.00} in late fees. However when I reviewed each and every payment since 2018, I found that, on their own website, it shows the correct amount of Finance charges along with Other charges of {$0.00} and Late charges of {$0.00} for every single payment. I called and asked to speak with a supervisor in order to resolve this issue. It took 5 calls and 3 hours of my time until I was finally called back. The supervisor then claimed that they could not waive the fees as I asked because I had asked for fees to be waived before, which I had not done. The only thing that was out of the ordinary was that I took their offer to postpone payments as a part of their COVID disaster plan. Otherwise, I paid every month without fail for the duration of the loan. This treatment by this company is appalling and disturbing. They make false claims of late payments and then leave me with no solution because they hold the lien on my car, so I have no choice but to pay. I hope this message to the CFPB will help resolve the unjust and, in my opinion, criminal behavior of Ally Auto. Thank you!

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