vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On or about XX/XX/year>, I ordered the XXXX XXXX product for {$30.00}, plus {$3.00} for special shipping, for a total of {$33.00}. The shipment was originally lost, and I attempted to cancel the order and obtain a refund due to failure to deliver, as it took over XXXX days just to receive a response from the company. 

Without my permission, the company sent out another XXXX XXXX product and offered a XXXX % refund, which I declined. I disputed the charge with Bank of America, but they canceled my claim because the product from the second shipment arrived more than XXXX days later, after I had already waited nearly XXXX months. 

I then used the product exactly as instructed. The companys website claimed the product would work within XXXX hours ; however, it did not work at all. I contacted Bank of America again and filed another claim on the basis that the product was not as advertised. I also contacted the company, as they claim to offer a XXXX-day refund if roaches are still present. 

Initially, the company dismissed and ignored my refund request until they became aware of the second claim. At that point, they asked me to wait an additional XXXX days for the product to work. I declined and requested a full refund. The company did not honor my refund request. 

I then waited for Bank of America to investigate the matter, as I believe this company is operating as a XXXX. Bank of America has now stated that this is a duplicate claim and is requiring me to repay the funds that were temporarily credited. 

As stated, there are multiple reviews indicating that XXXX XXXX is a XXXX and that the company uses false advertising to sell its products.

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I paid off my Hyundai Motor Finance XXXX loan in full on XX/XX/XXXX ( balance {$0.00} ). Floridas XXXX record still shows Hyundai Motor Finance as an active XXXX  on my electronic title. 

I requested the electronic XXXX  release on XX/XX/XXXX, and again on XX/XX/XXXX ( XXXX calls ). On XX/XX/XXXX XXXX representative incorrectly stated the title was already sent to my new lienholder. My new XXXX  ( XXXX XXXX ) verified they never received it, and XXXX XXXX still shows the XXXX active, aditionally this is an electronic title with the State of florida which I would have expected XXXX  to know. It felt like a deceptive tactic to end the conversation. Later that same day, another representative ( XXXX XXXX stated the lien release was processed, but there has been no change. I also submitted an online title release request on XX/XX/XXXX ; the portal says it may take up to XXXX business days, but it has been far longer with no movement. 

Because Hyundai Motor Finance has not released the XXXX, XXXX XXXX increased my APR to an unsecured rate ( 14.29 % effective XX/XX/XXXX ) and increased my monthly payment ( effective XX/XX/XXXX ). 

I want Hyundai Motor Finance to immediately transmit the electronic XXXX  satisfaction to XXXX, provide written confirmation with the XXXX  transaction date/time/reference, and address the financial harm caused by their failure to release the XXXX timely.

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 2026-01-22 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am submitting this complaint regarding American Expresss handling of multiple credit card disputes involving merchandise that I did not receive.

I made two separate purchases with XXXX using my American Express card. In both instances, the merchandise was never delivered to me, and I did not receive the goods or any benefit from the transactions. I timely disputed both charges as goods not received.

Disputed Charge # 1 Merchant : XXXX XXXX Transaction Date : XX/XX/XXXX Amount : {$290.00} Merchant Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cardmember : XXXX XXXX Dispute Reference Number : XXXX Dispute Received : XX/XX/XXXX Resolution Date : XX/XX/XXXX Status : Closed ( Denied ) Disputed Charge # 2 Merchant : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$330.00} Cardmember : XXXX XXXX Dispute Reference Number : XXXX Dispute Received : XX/XX/XXXX Resolution Date : XX/XX/XXXX Status : Closed ( Denied ) American Express initially issued provisional credits for these disputes but later reversed them after accepting documentation from the merchant that does not substantiate delivery. The merchant provided only carrier tracking information a copy of my purchase and a XXXX  XXXX  photo. That photo does not show my residence, does not display my address, does not show the package in my possession or that of any authorized recipient, and contains no identifying information tying the package to my orders. The image could depict any package belonging to any person. Tracking data alone does not prove receipt.

Despite the absence of proof of delivery, American Express has denied these disputes repeatedly. I have reopened the disputes four separate times, and this complaint follows the most recent denial. At no point has the merchant provided evidence demonstrating that the merchandise was delivered to me.

Because I did not receive the merchandise, the merchant did not fulfill the transactions. Charging me under these circumstances forces me to pay for goods I never received and improperly shifts delivery risk to the consumer without proof. I believe American Express failed to properly apply its dispute resolution standards and buyer protection obligations.

I am requesting that the CFPB review American Expresss handling of these disputes and require American Express to : Correct my account by issuing
permanent credits for the disputed charges, and Ensure compliance with credit card dispute obligations and cardholder protection standards.

I have retained all supporting documentation, including dispute correspondence, carrier delivery images, and account statements, and can provide them upon request.

Thank you for your review of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Last paycheck which was on XX/XX/XXXX I got paid from current {$830.00} and pay XXXX XXXX took {$54.00} and {$450.00} plus XXXX for an overdraft and left me with {$250.00}. I understand that I have to pay back the overdraft fee however for the paycheck advance I pay the money back and they take an extra money such as {$54.00} and let me take back {$50.00} dollars. I contacted customer service and explained they said they understand and cant do nothing about it just looking out to get back {$450.00} dollars. I received the {$450.00} dollars 4 days later. After I received it I contacted customer service asking if I disabled self auto pay will it automatically take money towards the paycheck advance an agent says no it wont automatically take the money so I disabled self auto pay. On XXXX XXXX at XXXX XXXX I received my direct deposit of {$540.00} at XXXXXXXX XXXX it took {$54.00} towards the paycheck advance then took {$470.00} dollars plus {$75.00} for an overdraft and left me with {$0.00} then told me I can only borrow back {$50.00}. I contacted customer service and the agents say they have no control over paycheck advance I should keep checking my account for the paycheck advance to increase so I can get back the {$470.00} thats was taken. I been checking and I still havent received my {$470.00} and it has been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Chime Financial Inc
State: MN

Complaint narrative:
I disputed multiple charges involving XXXX XXXX / XXXX for failed electronic transfers, services not received, and unauthorized activity. 

The merchant app confirms many transactions FAILED, and no cryptocurrency or services were delivered, yet the charges posted to my account. 

I filed a police report documenting these issues and potential account compromise. 

I currently do not have access to the full XXXX transaction history prior to early XXXX, and the disputed charges submitted may represent only part of the total affected amount. I am requesting that all eligible transactions within the Regulation E timeframe be reviewed.

Chime denied my disputes twice with no explanation and did not provide evidence of a reasonable Regulation E investigation. 

I am requesting a formal review, written explanation, and appropriate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Chime Financial Inc
State: IL

Complaint narrative:
I requested all dispute records from XX/XX/XXXX XX/XX/XXXX. I received only XXXX documents despite multiple calls. 

Unauthorized transactions/ disputes : XXXX : Dispute # XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX charged my card over 45 times after I declined the activity. Chime alerted me, canceled my card, and said a new one would be shipped, but the same card was still used. Dispute denied twice. Amount : {$210.00}. 
ATM withdrawals : XX/XX/XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Only {$300.00} approved of {$2900.00} disputed. Denied all remaining amounts. Evidence : Email notifications to my employer. 
XXXX : Dispute # XXXX, XX/XX/XXXX {$400.00} for clothing never received and refund not issued. Denied twice despite proof. Evidence : screenshots and supporting documentation. 

Chime has refused to provide complete records, denied valid disputes, and failed to correct unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CONTINUE HAVING ISSUES WITH THIS CREDIT CARD BALANCE OWED WAS SENT TO XXXX XXXX. 

XXXX XXXX CLOSED THE FRUDULENT ACCOUNT IN MY NAME AND DEEME DIT FRAUD

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union is attempting to collect an alleged past-due credit card debt that I do not owe. I have not used a XXXX XXXX credit card since 2020, and my records indicate the account was paid in full. Despite this, XXXX XXXX has repeatedly contacted me, withdrawn funds from my deposits without authorization, and reported negative information to credit bureaus, resulting in a XXXX XXXX decrease. 

I have formally disputed this debt and requested written verification, including full account history and proof of validity. As of now, no such verification has been provided. I am requesting that XXXX XXXX cease collection activity, return any improperly taken funds, and correct any inaccurate credit reporting in compliance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I requested a return label for a product and the merchant DTLR because they sent me a used damaged product. They did not respond requesting a pick for the return. So I filed a dispute. I provided SoFi with the email and the days since its been with no reply. They still denied my dispute even with the evidence provided during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Chime Financial Inc
State: IN

Complaint narrative:
I contacted Chime about suspicious activity on XX/XX/year>. The Chime support agent told me that to avoid fraud charges, I needed to transfer my own funds into a new account using Pay Anyone. I followed the instructions exactly as provided. 

When I realized the transfer was fraudulent, I filed a dispute. Chime denied my dispute on XX/XX/year>, with no reason provided, and they did so in less than 15 days. I received no written explanation, no evidence, and no investigation results. 

I have call logs with dates and timestamps showing when I contacted Chime and when I was instructed to send the transfer. 

Why I am filing : Chime instructed me to send the transfer, making it a bankinduced transaction, not a voluntary one. Chime denied my dispute without explanation. Chime denied it in under 15 days, which does not meet the requirements for a reasonable investigation under Regulation E. I was not provided any evidence or findings. 

I am requesting that Chimes executive response team review this case, provide a proper investigation, and return the {$5000.00} that was transferred due to their instructions. 

Supporting information : Call logs with dates/times Timeline of events Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: AL

Complaint narrative:
Company : LoanCare , LLC Loan Type : XXXX  Home Loan Issue : Mortgage servicing / Payment processing / Fees I am submitting this complaint regarding LoanCares servicing of my XXXX  home loan, which has resulted in unnecessary fees, payment issues, and ongoing frustration despite my consistent efforts to pay responsibly. 

LoanCare requires borrowers to be XXXX full month paid ahead before they will allow enrollment in biweekly payments. Biweekly payments align with my pay schedule and are the most practical and responsible method for me to make my mortgage payments. Despite this, LoanCare refuses to allow true biweekly payments unless this condition is met. 

As a result of this restrictive policy, LoanCare effectively prevents me from paying in a manner that matches my income and then marks payments as late, assessing late fees that could have been avoided if reasonable payment flexibility were allowed. I am willing and able to pay, yet XXXX system and policies create artificial delinquency. 

Additionally, LoanCare does not allow partial payments from a personal bank account, which further limits my ability to manage payments and avoid delinquency. These restrictions are especially concerning for a XXXX  loan, where servicers are expected to act in good faith, prioritize payment sustainability, and avoid unnecessary penalties to XXXX. 

This is the worst loan servicing experience I have had, despite owning XXXX homes and working with multiple mortgage servicers. XXXX policies are rigid, lack transparency, and appear inconsistent with the consumer-protective intent of the XXXX  home loan program. 

As a XXXX  XXXX, this experience is particularly disappointing. XXXX  should not face additional barriers or punitive servicing practices that increase the risk of late fees or credit harm when they are actively attempting to pay their mortgage.

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 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Around 2 years ago I lost my wallet in XXXX XXXX XXXX and unfortunately it included my wallet that had my social security number in it. Unfortunately this person was able to rent apartments, surrender my ID in a different state, get my birth certificate along with much more information. I never stepped foot in an advanced America, nor have I authorized them to use my information to secure a loan. I have submitted all documentation to them to prove that I have been dealing with identity fraud and that this person is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I received a debt collection notice dated XX/XX/year>, from National Enterprise Systems stating they are attempting to collect an alleged balance of {$5800.00} on behalf of XXXX XXXX XXXX XXXX, purportedly related to a XXXX XXXX XXXX business credit card.

I dispute this alleged debt in its entirety.

This account was a business credit card. No personal liability has been established, and no personal guaranty has been provided. Neither National Enterprise Systems nor XXXX XXXX XXXX XXXX has provided any signed contract, personal guaranty, or other documentation demonstrating that I am personally liable for this alleged obligation.

Additionally, I have not been provided with : Proof that XXXX XXXX XXXX XXXX legally owns the alleged debt A complete chain of assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Proof that National Enterprise Systems has lawful authority to collect An itemized accounting substantiating the amount claimed Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full debt validation. Any attempt to collect, verify, or report this alleged debt without providing proper validation is improper.

I am requesting that the companies involved either provide lawful validation as required by federal law or cease collection activity and close the account. If any credit reporting has occurred or occurs without proper validation and permissible purpose, it is inaccurate and should be removed.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal is charging my XXXX XXXX card a recurring payment in the amount of {$3.00} noted as " PAYPAL * OVERTAKE XXXX DE ''. When I attempt to dispute through my PayPal Account, the charge is not shown nor logged. Their website does not give me the option to seek help unless they show a charge. I want the unauthorized repeated charges refunded to me and the recurring charges to stop. I have removed my XXXX account from my PayPal profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I have an open complaint with MOHELA - XXXX. I have not yet heard back from MOHELA regarding the fraud BUT I did receive a letter from the XXXX XXXX XXXX dated XX/XX/year> stating that they investigated and found that the student account created at the XXXX  in my name was the result of theft by an identity thief. and they are updating their records accordingly. I will be mailing a copy of this letter to MOHELA in hopes that it aids their investigation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I made a payment of {$2200.00} to Synchrony Bank. My bank confirmed the payment was processed, but Synchrony Bank did not apply it correctly. After the payment, the company increased the balance without explanation, added fees and interest, and reported the account as past due even though the payment had been made. 

I contacted the company multiple times to request a corrected balance, an explanation of the charges, and a payment history showing how my payment was applied. The company did not provide the information I requested and did not correct the errors. As a result, the balance continued to change, additional charges were added, and inaccurate information was reported to credit bureaus. 

This situation caused financial harm, stress, and damage to my credit. I am requesting that the company correct the account, remove all improper charges and interest, and fix any inaccurate credit reporting related to this issue.

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