vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Imprint Payments, Inc.
State: TX

Complaint narrative:
I activated my new XXXXXXXX XXXX XXXX XXXX online on XXXX. The digital card that appears online does not match the physical card in my possession. Also, did not receive the second card for the secondary user on my account. I tried working with XXXX XXXX to resolve several times, but the issues never resolved. I tried calling the only Customer Support Number, XXXX, on XXXX, XXXX, XXXX, XXXX. No one ever answers the phone despite trying various times during the day. I also requested a call back on XXXX. On XXXX, I asked to speak to a live agent but was in a continuous XXXX XXXX loop. I tried reaching out to XXXX XXXX XXXX who said the only support was XXXX was also told I could not file a formal complaint.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
My regular XXXXXXXX XXXX XXXX XXXX was converted to a XXXX XXXX XXXX XXXX account. I never received the card they supposedly mailed to me. I want to close the account as I do not want it. I tried to do via chat twice and the response I would have to call their line XXXX. I have done that twice today- first call was on hold for 58 minutes until I had to hang up. Now on my second call again on hold for 1 hour and they disconnected me indicating there were agents available. This is unbelievable for something I did not request. Customer service line is no good if no one ever answers. The last four digits of account is XXXX. The issuer is Imprint.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 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: Imprint Payments, Inc.
State: MO

Complaint narrative:
XXXX XXXX stopped handling XXXX XXXX took over. A credit card was mailed to me and received on or about XX/XX/year>. I activated the card but never used it I got a copy of the monthly bill from Imprin. the amout total is {$180.00} all of which is fraud except for {$6.00} carried over from XXXX XXXX. The XXXX items were befor I even had a card and not bought by me. I have tried to contact Imprint and XXXX on different phone numbers multiple times over the last week, some on hold for an hour before being disconnected. When told by virtual assistant that a human would call. It never happens. Attached is the montly statement

Company response to consumer: Untimely response
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
I have received a XXXX XXXX XXXX XXXX XXXX as I was previously a XXXX XXXXXXXX XXXX XXXX customer. I have activated my credit card, but I am unable to set up my online account to view my balance, pay my bills, etc. When I enter in my Last Name, Birthday, and Full SSN, I get a message that " We Couldn't Find a Match. '' I finally got through the XXXX Customer Service Agent last week to speak with a live person. She said someone would call me to resolve the issue. I have not heard back from anyone. I tried calling them several times today, but I can not get a live person on the phone to resolve this issue. There is no Chat feature or email address to reach Imprint. So I am not sure what else to do. Please help if you are able to do so. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Throughout the month of XX/XX/year>, I contacted First Citizens Bank approximately five ( 5 ) separate times regarding an unauthorized, unsolicited inbound peer-to-peer ( P2P ) transfer of {$2700.00} that landed in my personal checking account. This transaction was a severe third-party routing error. The sender was attempting to execute a commercial transaction with my corporation, XXXX XXXX XXXX, but completely bypassed our binding contract which explicitly mandates that all commercial funds be routed to our corporate treasury at XXXX XXXX. Instead, the sender mistakenly pushed the funds to my private personal mobile phone line linked to my First Citizens consumer account. During each of those five contacts in XXXX, bank representatives failed to provide a regulatory solution. I contacted them again on XX/XX/year>, under internal Case Number XXXX to formally reject ownership of these unsolicited funds, flag them as an unauthorized corporate routing error, and request a secure bank-to-bank electronic reversal back to XXXX XXXX. Instead of executing standard compliance protocols, First Citizens frontline staff prematurely closed the case file. When escalated to a branch supervisor on XX/XX/year>, the supervisor explicitly instructed me to " be a nice guy and send it back through XXXX in your personal name, '' completely ignoring the fact that I repeatedly stated I have absolutely no personal business with this individual and that this is a strict XXXX XXXX compliance matter. This dangerous directive from bank staff is a severe violation of banking safety protocols. Manually initiating a brand-new XXXX transaction in my personal name completely bypasses the secure dispute grid, forces me to pierce my own corporate veil, and leaves my personal ledger entirely exposed to " double-dipping '' fraud if the sender 's bank ( XXXX ) executes a standard indemnity recall later. I require First Citizens Bank 's executive compliance team to re-open this file and handle this via proper back-end regulatory reversal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I opened a secured credit card with First Citizens approximately one year ago. At account opening, I was informed of an annual fee and paid it that day. However, it was not explained that the annual fee for subsequent years could not be automatically deducted from the secured deposit account - only that the initial fee couldn't be deducted at opening due to posting timing. I did not actively use the card and did not receive consistent statement notifications. As a result, I was not aware that the annual fee had not been paid when due, and the account fell into late status. On XX/XX/year>, I discovered the late payment through my credit monitoring ( my score dropped XXXX points ) and immediately visited the local branch. I closed the account and attempted to file a direct dispute regarding the lack of disclosure about how the annual fee would be collected. However, I encountered the following issues : - The branch referred me to a non-local number and was unable to process the dispute locally- When I called the number, they would not file a dispute without the card number ( which I no longer had after closing the account ) - After the branch researched and provided the card number, the non-local team stated- I could only dispute through credit bureaus, not directly with the bank - They refused to escalate or review the situation, stating I should have received statements My concern : I was not adequately informed that the annual fee would not be charged to the secured deposit, and I believe the bank should review this situation at minimum. I have a clean payment history aside from this single late payment. I am requesting that First Citizens conduct a direct review of this account and consider whether the disclosure issue warrants reconsideration of the late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NC

Complaint narrative:
I am filing this formal complaint against Affirm, Inc. ( buy-now-pay-later lender ) and XXXX XXXX XXXX ( merchant ) in connection with a transaction totaling over {$2500.00} placed on XX/XX/year>. SUMMARY OF COMPLAINT : I purchased XXXX items from XXXX XXXX XXXX, an international fashion merchant based in the XXXX, using Affirm financing. Upon delivery, I received : ( XXXX ) a dress with no tags that the merchant later confirmed had been previously worn sold to me as new merchandise ; and ( XXXX ) a skirt set in the wrong size ( received XS, ordered XXS ). I immediately reported both issues to the merchant. The merchant failed to provide a timely or adequate remedy, failed to respond to emails and phone calls, and only communicated sporadically via XXXX. After Affirm was notified and a return label was issued by the merchant, I returned both items via XXXX on XX/XX/year>, in their original condition documented by photo and video evidence. On XX/XX/year>, Affirm notified me that the merchant filed a damage claim against my return. This claim is false and retaliatory. I have requested that Affirm provide me with the merchant 's submitted evidence, and as of the date of this complaint, Affirm has not produced it. Affirm 's failure to : ( a ) conduct a fair investigation ; ( b ) share the merchant 's evidence with me; and ( c ) allow me to respond before making a determination, raises serious concerns about Affirm 's compliance with its obligations as a consumer financial services provider. RELIEF REQUESTED : Full investigation into Affirm 's dispute handling practices in this matter Full refund of all amounts paid and cancellation of remaining balance Investigation into XXXX XXXX XXXX for deceptive trade practices and fraudulent claims Supporting documentation including XXXX screenshots, XXXX pickup photos/video, and all correspondence is available upon request. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
I am filing a formal complaint against Affirm, Inc. for systemic predatory billing practices, deceptive loan inflation, and illegal interest charging.The core issue is a widespread failure in how Affirm handles the " unused amount '' on their virtual cards. Affirm routinely creates loan balances for the maximum authorized amount, but when I spend less than that limit, they refuse to credit the remaining balance back to the loan. As a result, my outstanding balances are artificially inflated. They force me to pay off debt for money I never actually used or spent.To make matters worse, Affirm is actively charging me high interest rates calculated on these false, unadjusted totals. I am paying interest on phantom balances that should have been deducted within their promised timeframe. Even after loans are fully paid off, Affirm retains these overpayments illegally. When confronted, their system attempts to disguise merchant returns ( such as a recent {$37.00} clothing return ) as if they were the " unused funds '' credit, which is completely fraudulent accounting.This is an ongoing pattern across multiple loans, including a fully settled account where they still owe me {$63.00}, and another active loan where a {$40.00} unused amount is being withheld while they continue to accumulate interest on it. I have to manually call their agents to get my own money back, proving their automated system is designed to exploit consumers by overcharging them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
( 1 ) On XX/XX/XXXX ATM withdrawal amount {$100.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 2 ) On XX/XX/XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 3 ) On XX/XX/XXXX ATM withdrawal amount {$20.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 4 ) On XX/XX/XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX California ( 5 ) On XXXX the XXXX XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 6 ) On XXXX the XXXX XXXX ATM withdrawal amount {$100.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 7 ) On XXXX the XXXX XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 8 ) On XXXX the XXXX XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California ( 9 ) On XXXX the XXXX XXXX ATM withdrawal amount {$200.00} from a XXXX XXXX XXXX XXXX XXXX XXXX California Total {$1400.00} What stands out the most to me is that how they allowed the daily limited amount to go over each day. But yet I try to make a purchase in grocery store and my PIN number associated with my card does not work and I'm told after calling the Bank to use the number on the back of the card on the front of the card which causes me to get online food get warm and start all over. This is happening many times. I also go to the store get in line and my card has been frozen can't use it I have to call them to unfreeze my card. Being that they're closing their doors as of XXXX the XXXX XXXX I was suspicious about that so I googled has XXXX ever been under any type of lawsuit come to find out there under a class act lawsuit now. Another thing since they were closing their doors I chose to destroy the card that I had and I didn't know that some items I had purchased online got sent to the wrong address so they did a refund and the money was going back to XXXX XXXX so I called to see if they received the refund they did and also ask them to send me a replacement card one that I could use to get my money out of my account they have also a virtual feature enables you to use the card with all your information before your hardcore arrives that was blocked I never received the card nor was I able to go on my app and use the virtual card that they said they had sent. So to use the money that was beginning to be refunded to that account I had to pay {$8.00} each time I used it it was a feature where you send money to family or friends. That was the only way I get my money out of the account. And there has been so many situations over the time that I had to use that service because they would not work with me in one way or another. They did so many things from changing my PIN to freezing my account to stealing {$1400.00} for my account or letting someone steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ascent Holding Co
State: TN

Complaint narrative:
I am filing another Comsumer complaint because the bank Ascent Funding did not answer all my questions. I took out a loan from Ascent Funding ( XXXX XXXX ) to fund a online coding bootcamp called XXXX on XX/XX/year>. In XXXX XXXX XXXX XXXX shut down and ceased all mentorship and coaching. They only left the online videos up. This constituted a breach of contract. According to the student agreement page 12, they promised 24 months of mentorship. I received 5 months. The bank who has been working closely with XXXX said they will reduce my loan by 50 % because thats the refund i would have received from XXXX per Student Agreement with XXXX. This is not a fair resolution and I have voiced this to Ascent a few different times. I know my rights. I am entitled to a full refund plus what I have paid refunded. Section 34 of our credit agreement states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Section 34 makes Ascent liable for the breach of contract and the misrepresentation of XXXX. Ascent has repeatedly just ignored this section. I need AscentXXXX XXXXXXXX XXXX o fficial reply to this argument. Also, I have attached a screen shot of an email from Ascent that I received in XXXX, that they promised not to charge interest on the loan for the months the loan was in forbearance. However, they lied. In Ascent notice XXXX, they said they will charge interest from XXXX and that will be reflected on my account. As a result my monthly bill was increased to cover the retro interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Aspen Properties Group, LLC
State: TN

Complaint narrative:
I am the verified, legal deed holder of the property listed above, as confirmed by the XXXX XXXX XXXXXXXX XXXX XXXX. Two years ago, Aspen Properties Group , LLC initiated foreclosure proceedings but subsequently canceled the sale. Aspen suppressed this information from me and the co-borrower, completely failing to provide any written notice of the cancellation. Believing the home was foreclosed, we vacated the structure while leaving personal belongings inside.Yesterday, I discovered a padlock on the front door and found that the electric utilities have been completely disconnected directly from the power pole. No notices, stickers, or legal postings were ever placed on the door or mailed to the titleholders.Upon contacting Aspen Properties Group , LLC, their phone representatives verbally acknowledged that I am the legal owner of the home and that the underlying lien was charged off. However, they explicitly stated they will refuse to grant me physical access to my home or my locked personal property unless I hire a real estate agent and force a sale of the property to satisfy the charged-off debt.This is a severe violation of RESPA guidelines , a wrongful lockout, and civil coercion. Aspen is weaponizing property preservation clauses to hold my home and personal possessions hostage for financial extortion. I have requested official documentation regarding the loan balance and the foreclosure cancellation, and Aspen phone representatives denied the request, stating " they don't have to provide that to me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
I have a private owner-financed land loan at 10 % annual interest with a monthly payment of {$550.00}. I missed two payments in XX/XX/XXXX and XX/XX/XXXX due to job loss and my mother 's death from XXXX. The servicer assessed {$4200.00} in late fees at {$25.00} per day, which appears to exceed the cap under Texas Finance Code 302.001 ( d ) for loans at 10 % or less. I submitted multiple hardship appeals by email and phone. The servicer did not respond to any of them. The lender contacted the servicer directly and instructed them to waive all fees in full. The servicer refused, emailing the lender without copying me, stating they wished to keep half the fees for themselves. The servicer then applied a partial waiver of {$2000.00} recorded only as an " Unknown '' transaction with no explanation, leaving approximately {$2100.00} in fees still outstanding. The lender 's contracted monthly compensation is {$520.00} and the servicer 's contracted fee is {$26.00} per month. The servicer appears to be retaining late fees as undisclosed additional compensation, acting against their own client 's explicit instructions, and negotiating fee waivers on their own behalf without the borrower 's knowledge or participation. The loan is fully current on principal and interest as of XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I had a high balance I called and asked them if there was something I could do to reduce the interest/payment. I told them that we were having a hard time and that the previous month online when I paid there was an option to reduce the payment. They told me that option would be back on there the next month. It never was. I called again and they said can you make the {$600.00} payment and I told them no I am on a fixed income my husband is retired and what I make would not cover that let alone the other payments I had. They told me sorry there is nothing we can do. I locked the card so nothing else would be charged to it only to get an email telling me they went ahead and let a payment go through. a recurring payment that I did not want them to pay. I owed over {$14000.00} on the card. I was about to file bankruptcy, but I did the right thing and got a loan and paid it off. I paid it before the due date and online it gives the options of monthly payment statement balance or payoff. I did the pay off and then got notified I still owe {$230.00} for interest. I called them and was told first I owed it for " not paying 2 consecutive months '' which I did I NEVER did not pay them. Then I was told they could take {$11.00} something of interest off I PAID THE CARD IN FULL BEFORE IT WAS DUE. Then I asked them about letting the payment of {$29.00} go through even though I locked the card I was told that was for new purchases!! I tried several times to work things out with them and they never would help. I have paid off over {$140.00} XXXX this month and they then knock my card from {$13000.00} to {$500.00} I get it my credit looks bad now. In a month or so it will look much better. I did the right thing paying off what I used on the credit card but to be treated like this and to keep letting a charge come through is not right. I feel they should take off the {$29.00} that they let charge for every month after I locked the card. It was a way for them to make more money off of me. I told them honest people like me that do the right thing pay for those who don't

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