vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: NY

Complaint narrative:
I am writing to file a formal complaint against Chime for a severe violation of Electronic Fund Transfer Act ( EFTA ) Regulation E regarding unauthorized, fraudulent transactions. Between XX/XX/year>, and XX/XX/year>, my Chime debit card was used without my authorization to make five separate transactions to XXXX XXXX XXXX, totaling exactly {$1000.00}. Individual Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these transactions, and I do not possess a sports betting or gambling account with XXXX XXXX. Furthermore, I have received official, written confirmation from XXXX XXXX 's support team stating that they have investigated and found no account registered under my name. This proves conclusively that my card credentials were stolen and utilized by an unauthorized third party. Chimes Violations : XXXX. Failure to Investigate ( Regulation XXXX ) : I immediately reported this fraud to Chime. Chime summarily denied my dispute without conducting a reasonable investigation. They claim to have communicated with the merchant, but they failed to provide any verification or actual communication logs to support this assertion. XXXX. Improper Shift of Burden of Proof : Under 15 U.S.C. 1693g, Chime bears the burden of proof. They have failed to provide any evidence showing that I authorized or benefited from these gaming transactions, while I hold direct proof from the merchant that I do not own the account. XXXX. Intentional Denial to Avoid Provisional Credit : Chime issued a rapid denial of my claim before the 10-day legal window expired to evade their legal obligation to provide provisional credit. Desired Resolution : Because these charges are completely fraudulent and backed by merchant documentation, I demand that Chime immediately reopen this case, reverse the denial, and credit my Chime account for the full unauthorized amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
A fraudulent count was open in my name for American Express with someone use my bank account to make payments and still to the day. It was not resolved. I have sent them proof of everything as far as the bank proof and they still havent removed the fraudulent account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
XXXX INTAKE NOTE : This is not a standard consumer dispute regarding a vehicle. This is a formal regulatory filing documenting CIG Financial XXXX willful weaponization of the CFPB dispute portal to evade active federal and state investigations via corporate shell structures. Please review the attached XX/XX/XXXX correspondence which proves their contradictory claims of independent operation while executing internal enterprise routing. I am filing this formal complaint against CIG Financial, LLC ( XXXX AutoNation Finance ) for engaging in deceptive dispute resolution practices and utilizing corporate shell structures to evade federal regulatory liability for ongoing UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violations committed by the AutoNation enterprise. XXXX. The Deceptive Practice ( The Corporate Veil Tactic ) On XX/XX/year>, CIG Financial, XXXX responded to my previous CFPB complaint ( Case No. XXXX ) regarding systemic fraud and the sale of a structurally defective vehicle by AutoNation. In their official response to the CFPB, CIG Financial, LLC falsely claimed they " do not have the ability to provide further assistance '' because they are a " separate entity '' from the AutoNation dealership and did not hold my specific contract. This assertion is a legal fiction designed to frustrate consumer protection laws and exhaust consumer disputes. XXXX. Proof of Integrated Enterprise Capability In the exact same letter where CIG Financial, LLC claimed to have no ability to assist and no connection to the dealership 's actions, they admitted : " We have shared your concerns with AutoNation XXXX XXXX. '' This admission proves that CIG Financial, LLC possesses the operational capability, internal routing mechanisms, and direct communication channels required to interact with and influence the AutoNation dealership network. They operate as an integrated corporate enterprise, sharing the AutoNation brand name, consumer trust, and internal infrastructure. CIG Financial, LLC can not legally reap the financial benefits of operating as the financing arm of the AutoNation brand while simultaneously disavowing the predatory fraud committed on the dealership floor under the guise of being a " separate LLC. '' XXXX. Weaponizing the Dispute Process CIG Financial, LLC is weaponizing the CFPB dispute portal. By pointing fingers at sister corporations and claiming a lack of jurisdiction, they are engaging in a bad-faith effort to artificially close active federal investigations. This tactic forces consumers into an endless loop of bureaucratic misdirection while the overarching AutoNation enterprise continues to profit from fraudulent sales and defective vehicle financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding what I believe to be deceptive and misleading repayment information provided by Nelnet during my recent repayment plan change request. I recently applied through Nelnets online portal to switch my federal student loans from an Income Driven Repayment ( IDR ) plan to the Extended Fixed Repayment Plan. During the application process, Nelnet clearly displayed a projected monthly payment amount of {$860.00} under the Extended Fixed Repayment Plan. I took screenshots of this quoted payment amount during the application process because I relied on that information when deciding to submit the repayment plan change request. After my application was processed, I received notification that the request had been completed. I then logged into my Nelnet account to confirm when the new payment amount would begin. At that point, I discovered that my monthly payment had been set at {$920.00} instead of the previously quoted {$860.00}. On XX/XX/year> at approximately XXXXXXXX XXXX XXXXXXXX XXXX, I contacted Nelnet customer service to address the discrepancy. During that call, the representative informed me that the original payment amount shown during the application process was only an estimate and that the new payment amount of {$920.00} was the correct figure. The representative also stated that this disclosure was contained somewhere within the terms and conditions. My concern is that at no point during the repayment plan application process was it clearly disclosed that the quoted payment amount was merely an estimate or subject to material change. There was no obvious warning, disclaimer, or footnote displayed alongside the quoted payment amount that would reasonably alert a borrower that the actual payment could significantly increase after processing. I believe this practice is deceptive because borrowers reasonably rely on the payment amount presented during the repayment plan selection process when making financial decisions. Burying material disclosures within lengthy terms and conditions, without clearly identifying that the displayed payment XXXX not be accurate, is insufficient and misleading. Had Nelnet clearly disclosed that the quoted amount was only an estimate and could materially change, I XXXX have reconsidered proceeding with the repayment plan switch or sought additional clarification before submitting the application. I am requesting that Nelnet honor the payment amount originally quoted to me during the application process and adjust my Extended Fixed Repayment Plan monthly payment to {$860.00}. I also request that Nelnet review and improve its disclosure practices to ensure borrowers are clearly informed when displayed payment amounts are estimates rather than finalized figures. I have screenshots documenting the originally quoted payment amount and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Good afternoon, I am filing a complaint against Affirm regarding the mishandling of my dispute involving a defective and misrepresented product purchased through XXXX XXXX Installments from XXXX. On XX/XX/2026, I opened a dispute ( Case # XXXX ) after receiving a desk that was advertised as a XXXX XXXX adjustable standing desk and after many months trying to work it out with the vendor as they constantly requested proof such as pictures, description, etc.. The initial shipment arrived in a soggy box with rusted metal components. I was instructed by the merchant to keep the defective items, and no return shipping label was provided despite the size and weight of the hardware. The merchant later sent replacement base components, however these were unbranded, generic, and incompatible with the bamboo desktop. After returning from travel, I hired someone to assemble the desk due to back issues. During assembly, it was confirmed that the parts do not align and the desk can not be assembled or used. The instruction manual was also generic and not associated with any identifiable brand, further confirming the product does not match what was advertised. Despite providing full documentation, including photos and video evidence, Affirm initially denied my claim citing missing information. A customer service representative later confirmed that all evidence was available in my file. My case has been reopened multiple times under new case numbers ( # XXXX and # XXXX ), with a supervisor acknowledging that it required a higher-level review. The merchant, XXXX, has refused to provide prepaid return shipping labels for these large and heavy items and instead issued deadline ultimatums requiring me to return the product at my own expense. They have relied on their return policy to avoid responsibility, despite the product being defective and misrepresented. Affirm continues to work with this merchant and has repeatedly favored the merchants position while I remain responsible for a balance of approximately {$300.00} for a product that is unusable. I have made multiple attempts to resolve this in good faith and have not received a fair resolution. This situation involves both a defective product and clear product misrepresentation. I am requesting that Affirm conduct a proper review of this case, take responsibility for the handling failures, and provide a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I looked into refinancing my home loan through Rocket Mortgage ( my existing mortgage provider ). The agent called me yesterday and explained the terms of the loan options but did not disclose that the loan total would go up by {$28000.00}. Without knowing this, I told him that I was interested in proceeding with the process. He asked if he could " merge my credit scores '' and I agreed, not understanding that he was requesting to run a hard credit report. I wouldn't have agreed if I knew that's was he was asking for and I looked at the overview of the loan today, saw the total loan amount was over {$28000.00} more that my current loan, and emailed XXXX XXXX ( XXXX ) to cancel my application immediately and that he did not have permission to do a hard or soft credit report or any other inquiry moving forward. I would like this hard credit inquiry expunged from my credit history immediately. I have worked very hard to bring up my credit score to get swindled by a smooth-talking salesman who did not share all of the information accurately. I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION

Complaint narrative:
My husband and I have a joint checking account with Zions Bank, and we currently have exactly {$2100.00} frozen in it. We desperately needed to send {$1500.00} of our funds to help with a critical family emergency. When we attempted to make this transfer, the system blocked us and completely locked us out of the account, freezing our entire balance. Before trying to move our money, we had even called Zions Bank to inform them of our situation, and their representatives assured us it would be fine. When we called back this morning after the block, we were treated terribly. They refused to unblock our account over the phone and callously told us to just go into a physical branch, completely ignoring the fact that we are currently out of the country in XXXX and can not visit a branch. Our family members are suffering, and Zions Bank is keeping our own hard-earned money XXXX when it is needed most. They are causing severe distress to my household. I need our account unblocked and access to our {$2100.00} restored immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Paypal Holdings, Inc
State: UT

Complaint narrative:
I paid {$1300.00} through Venmo to someone's PayPal account. PayPal restricted their account and is refusing to pay the money out, and also refusing to refund the money. I understand PayPal needs to have the means to restrict accounts, but I think it's unethical for PayPal to receive payments into restricted accounts and then neither pay the money out or refund it. In my chat they indicated ( but did not guarantee ) that the money would be released after 180 days from the restriction. This seems ridiculous. It should take some milliseconds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Back in XXXX my wife and I rushed to XXXX XXXX XXXX XXXX WA, in hope to remove the aching wisdom tooth as an emergency procedure. They sold us on removing all XXXX wisdom teeth and adding XXXX graft as a healing procedure, all totaling {$5000.00}. Because it was an unexpected expense that we were unprepared for, we resorted to applying with them and got a care credit from Synchrony bank. We were explained terms as follows : 2 years interest free and then certain percentage kicks in. No word about deferred interest payments at the end of 2 years. We signed it as there wasnt any other option on the table believing every word they say. Didnt read much because they had to start the pain relief and procedures for my wife. We established auto pay and it was taking care of it. Back in XX/XX/XXXX I had an opportunity to merge most of my credit card debt into newly qualified Credit Union loan. As the amount didnt cover all my cards, I contacted Synchrony to request a phone account review to determine the necessity of including it because I still had 7 months of XXXX percent interest promotion. They thoroughly explained to me everything ; however, also failed to bring up anything regarding the deferred interest payments that would kick in at the end of promotion. My arbitrary decision to keep the XXXX percent card open for a period of time was made as a result of all the information provided during that account review. As you can see from ongoing account related communication Synchrony does exhibit some financial specifications such as new available credit in emails instead of sending straight up bills with balance. However, as soon as the deferred interest payment kicked it, they started sending emails with deferred balance back to about {$5000.00}. This additionally made it extremely unfair that Synchrony failed to include the deferred payment interest on their 2 year anniversary communication email. At least say something right? Isnt a change like this supposed to be advertised explicitly? It is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am disputing a large escrow shortage that appears to have resulted from improper escrow management by my mortgage servicer, Newrez. At the time my loan was originated, the cost of my homeowners insurance was known and should have been included in the escrow calculations. However, my escrow statements from XXXX and XXXX did not properly account for this expense. In XX/XX/XXXX, my escrow account reflected a surplus of over {$2000.00}, which caused my monthly payment to decrease. In XX/XX/XXXX, I received notice of a {$6000.00} escrow shortage and a significant increase in my monthly mortgage payment. Based on the escrow history and statements provided to me, this shortage appears to have resulted from the servicer failing to properly collect for a known insurance expense over time. I contacted the company by phone twice and received conflicting explanations. One representative stated the increase was due to rising insurance costs, while another stated it was because this was the first time insurance was being paid through escrow. I also submitted a written inquiry online and later received a letter dated XX/XX/XXXX stating that the matter had been escalated and investigated. However, I still have not received a clear explanation or resolution regarding the escrow calculations or the cause of the shortage. I have never been late on my mortgage payments and have maintained good standing on my account. I understand escrow shortages may need to be repaid, but requiring repayment over a 12-month period creates a significant financial hardship due to what appears to be improper escrow management from the beginning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I purchased weight loss injections from Be The Light Chiropractor using my debit card. I was told by XXXX XXXX XXXX that the weight loss shots would reduce my appetite and cravings. She stated that I would lose weight. My cravings wasnt reduced. My appetite wasnt reduced. I didnt lose any weight. I called and spoke with XXXX the XXXX XXXX on XX/XX/year>. I let her know that I was dissatisfied with the results of the product Its been over thirty days since taking the product I let her know that I was willing to accept half of my refund back since the product didnt work as it was promised XXXX XXXX XXXX XXXX XXXX said she could offer me a credit on other services I let her know that I was not interested in other services because at this time I am having to stop my treatment pending my XXXX results. I contacted TRUIST bank to file a claim I am now requesting a full refund because I am unable to apply the credit to other services with the merchant due to my XXXX results and due to not getting results when taking the product I felt my offer of half a refund was fair previously. I filed my claim numbeXXXX XXXX XXXXXXXX on XX/XX/year> I never received any updates from TRUIST on my claim I called after seven days of filing my claim I was told I would hear something after ten business days I didnt. I called again on XX/XX/year> only to be told that my claim was denied because I benefit from the product and authorized the transaction. I never said the transaction wasnt authorized I said the product didnt reduce my appetite or reduce my cravings nor did I lose weight as promised by XXXX XXXX XXXX As a customer I have a right to request my money back if I didnt get what I was promised. TRUIST didnt do the right thing. They didnt listen to the customer. I have to say TRUIST bank handled this claim poorly, There was no empathy or customer service provided. I am requesting that the claim be reviewed again and my {$310.00} be refunded to my account immediately. There has to be someone who will hold the merchants accountable when their products and services are not as promised. I expect my bank to hold them accountable. 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 2026-05-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: NY

Complaint narrative:
I reviewed my credit report and noticed inaccurate information being reported by XXXX XXXX. I disputed the account with the credit bureaus, but the inaccurate information still remains on my report. I am requesting that this account be properly investigated and removed or corrected if it can not be verified accurately. This inaccurate reporting is affecting my credit score and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief