vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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:
On XX/XX/year>, I entered into a consumer loan agreement through Affirm , Inc. ( Loan ID : XXXX ) in connection with a XXXX rental transaction totaling {$1500.00}. A required down payment of {$370.00} was paid at the time of the transaction. The loan was issued through Affirms lending partner, XXXX XXXX, as reflected in the Truth in Lending Disclosure provided. Following execution of the agreement, I confirmed the transaction via telephone with Affirm representatives. Affirm maintains that all customer service calls are recorded, and these recordings should reflect that the transaction was verified and authorized. Despite this, Affirm failed to properly process or complete the transaction. The loan remains active within Affirms system and continues to reduce my available purchasing power ; however, the funds were not properly executed for the intended transaction. As a result, I am unable to utilize the approved credit or obtain alternative financing. I contacted Affirm on multiple occasions ( a total of six calls ) and spoke with representatives and supervisors identified as XXXX, XXXX, XXXX, and XXXX. During these communications, I was advised that : The down payment would be returned within 510 business days Purchasing power would be restored within 35 business days Affirm has not provided an immediate resolution despite being informed that the transaction is time-sensitive. Additionally, Affirm has not provided access to a direct corporate contact number and instead relies on offshore customer service channels, which have been unable to resolve the issue. This matter involves a failure to properly execute a consumer credit transaction after agreement and confirmation, resulting in restricted access to credit and financial harm. This matter may constitute violations of the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and prohibitions against unfair, deceptive, or abusive acts or practices under applicable federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX I applied online for a HELOC loan with my bank Truist bank. I requested {$60000.00} to build an addition to my home. Because of health, Climbing the stairs in my home has become almost impossible. I need to build a bedroom and bathroom for me to have access to. During the application process it is written that a loan officer would contact me about the application or the status of the loan. No one contacted me so I checked my status online and saw that it said " Declined ''. Within less than 48 hours, the bank was able to decide that they were not going to grant me a loan. They made a quick decision and still did not call me. The reasons listed were lack of real estate secured loan information, No open bank cards on my credit file, Unpaid collections and too high proportion of accounts recently open. Their reason for the decline is questionable that is why it was important for them to contact me and speak to me about my application. Truist Bank was being biased in my strong opinion. Although my home is valued at {$170000.00}, it is my belief that they looked at my name as well as the neighborhood in which I live to base their opinion. This is absolutely wrong on so many levels. Once I received the letter of decline I contacted the mortgage department. I was told someone would be in touch with me. No one has called. Also in the denial letter there is a number to contact their office. The number is just a recording. I also want it to be known that in XXXX of 2025 I made a deposit into my Truist 's checking account. This was a check from a car accident and this check was to replace my vehicle that was wrecked. Once I placed my deposit at the ATM I later found out that Truist had put a hold on my check for 14 days with no valid reason they were going to hold my funds for 14 days until I spoke with several representatives to get it pushed forward.

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 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I dispute this alleged debt in its entirety and maintain that I do not owe this obligation. I did not knowingly agree to the terms now being claimed, particularly with respect to the second sign-on bonus, which was presented without clear disclosure or informed consent. Furthermore, I fulfilled my understanding of the original agreement and remained employed beyond the expected timeframe. My departure was not voluntary in the traditional sense, but rather the result of a hostile, aggressive, and unsupported work environment that made it unreasonable and unsustainable for me to continue. The position was accepted based on representations that I would be provided with the support and resources necessary to succeed, which were not delivered. As such, the conditions under which any agreement was made were not upheld, and any attempt to enforce repayment under these circumstances is disputed as invalid and unenforceable. I made multiple good-faith efforts to resolve this matter, including responding to legal correspondence, requesting validation from Caine & Weiner , and documenting my concerns through internal channels such as my exit interview. Despite this, I received no meaningful response, no validation of the debt, and no acknowledgment of the issues raised. Instead, this matter was escalated to collections and reported to my credit without proper verification, causing significant financial harm. This has directly impacted my ability to secure housing for myself and my daughter, who is currently in XXXX grade, as well as negatively affecting my employment opportunities. I have been in the mortgage industry for approximately 29 years and have built my career on integrity. The reporting of this disputed and unvalidated debt is damaging to my professional reputation and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I did an instant transfer of {$2000.00} from my bank of America account on date XXXX XX/XX/year>. It was transferred to XXXX XXXX ( XXXX ). It was a payment for transferring money from XXXX to XXXX. XXXX was not able to complete money transfer on time so I asked them cancel it and refund money. They aren't responding so I tried to contact Bank of America to fill dispute against this transaction. Bank of America customer support team transferred my call to different departments and at the end provided me number XXXX to contact their department who handles claims for instant transfers. I tried to reach that department multiple times during regular business hours but it always came back with temporary unavailable message. I am not able to file dispute for this transaction so I can get my money back.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX ( Exhibit A ), the servicer stated that a property address could not be updated without documentation from me, specifically a 911 address letter or tax bill, and that I refused to provide such documentation. However, on XX/XX/XXXX ( Exhibit B ), the servicer filed an ex parte motion in court identifying a corrected property address. On XX/XX/XXXX ( Exhibit C ), the servicer confirmed that the property address was updated in their system and stated that they had not received a request from me to complete the update. The system update occurred approximately 132 days after the XX/XX/XXXX court filing and 102 days after the CFPB complaint filed on XX/XX/XXXX. As of XX/XX/XXXX, I have not provided a 911 official address letter. However, I previously submitted a tax assessor document reflecting the property address, included as pages 174176 of the exhibit file submitted with the CFPB complaint filed on XX/XX/XXXX, and again as pages 185187 of the exhibit file associated with the CFPB complaint filed on XX/XX/XXXX following transfer from the OCC. These records present a direct inconsistency regarding whether borrower-provided documentation was required to update the property address and whether the servicer possessed sufficient information to make that update at the time of the XX/XX/XXXX court filing. Please explain : What specific documentation was required to update the property address. Whether the XX/XX/XXXX court filing contained sufficient information to support a system update. Why the address was not updated at the time of the XX/XX/XXXX court filing if such information was already available. Why the XX/XX/XXXX statement asserted that borrower documentation was required if the servicer later updated the address without such documentation. Please respond directly to each question above. Limit your response to the servicers handling of the property address and the statements identified. Do not provide general servicing explanations or unrelated account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Acorns Grow Incorporated
State: CT

Complaint narrative:
Company : Acorns Contact Person : XXXX XXXX. Email/Phone ( if available ) : XXXX Complaint Type : Bonus / Promotion / Account Issue Complaint Description : I am submitting this complaint because I have not received a promotion bonus of XXXX {$1400.00} to which I am entitled, despite fully complying with all requirements and following all instructions provided by the company. Timeline and Details : Initial Contact & Instructions : I reached out as soon as the promotion deadline expired to request an update. I was informed that my investment had been confirmed and that the account verification was being finalized. Contradictory Information : Later, my bonus was denied, with claims that my referral ( XXXX XXXX ) did not invest within the required timeframe. Then I was told the money had been refunded, even though it still appears in the Acorns account. XXXX also lost access to her account and could not manage her investments. Re-evaluation & Bonus Approval : After my follow-up, I received an email stating the case would be re-evaluated, and subsequently, another email confirmed that my bonus of XXXX {$1400.00} had been approved. The account was updated, and investments were reactivated. Attempts to Resolve & Cooperation : I was asked to participate in a call with XXXX, which I did. Another referral of mine, XXXX, also joined. During the call, all accounts were reviewed, the reason for my bonus not being released was explained as a security matter, and XXXX submitted all requested statements and a photo ID via the link provided. I was assured that my bonus would not be affected. The call lasted over an hour and involved multiple departments. Current Issue : Despite completing all requested steps and receiving assurances, the bonus is again being denied without explanation. XXXX has no issues with her account, and I have full access with no pending problems. I sent multiple emails but have not received a concrete or consistent response. Problem Statement : The promotion is not being conducted fairly. The company appears to be looking for reasons to deny my XXXX {$1400.00} bonus, despite multiple referrals and myself acting in good faith, providing all requested information and documents. This conduct shows a lack of transparency and good faith, undermining trust in the platform. Requested Resolution : Immediate release of the promotion bonus of XXXX {$1400.00}. Clear and documented explanation of any issues affecting eligibility. Attachments : Email correspondence with XXXX XXXX and Acorns. Proof of documents submitted via the provided link. Notes from the call, including participation of all referrals. I have fulfilled all requirements and acted in good faith. I request that the CFPB investigate this matter and ensure a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing this account because it is unfamiliar to me and does not appear to belong to me. I have no knowledge of ever opening or authorizing such an account, and I believe it has been added to my credit report in error. This inaccurate reporting is affecting the integrity of my credit file. I respectfully ask that you carefully review and investigate this matter, including verifying all account details with the original creditor. It is important that only accurate and verifiable information remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX, my husband made some payments to a line of credit I have open with Global CU. The payments were made via the phone system. Global CU responded by locking the accounts, refusing ACH transfers that were already in process, and ignoring all requests for information. We have multiple times called to get information and are told that " the accounts are being reviewed by a higher level team. '' We ask to speak to the team and are told " they don't speak directly to clients. '' We ask for information and are told " we'll ask them to follow up with you. '' These accounts have been locked since late XXXX or early XXXX. We have called at least three different occasions and informed them that we've never even received a communication telling us what this is about. In the most recent one -- a call with XXXX, teller # XXXX -- we were told that someone would be getting back in touch within a week. It's been 3 weeks since then and we've heard absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TX

Complaint narrative:
I am filing a complaint regarding Affirms handling of a disputed transaction involving merchant non-fulfillment. On XX/XX/year>, I made a purchase through The Edit by NL using Affirm financing ( Loan ID : XXXX, amount {$110.00} ). When the package arrived, it contained items I did not order, along with a packing slip clearly showing another customers name and address. This confirms the merchant shipped the wrong order. I contacted the merchant immediately and received no response. I submitted a dispute to Affirm and provided documentation including : My original order confirmation Photos of the incorrect items received The packing slip showing another customers information Evidence of my communication attempts with the merchant Affirm denied my dispute, stating there was insufficient evidence that the order was incorrect. This conclusion is not reasonable given that the shipment included another customers packing slip, which directly demonstrates merchant fulfillment error. Due to the merchants failure to correct the issue, I disputed the charges with my bank. My bank reversed the installments and placed a stop payment. It has now been over 30 days since the reversal. Despite this, Affirm continues to demand payment on the remaining balance and maintains that the loan is valid. Affirm has stated that a bank reversal does not cancel the loan and that the balance remains due unless the merchant issues a refund. I am not disputing a preference or return. I did not receive the goods I ordered. This is a case of non-delivery of the contracted merchandise and delivery of another customers order. I believe Affirm has failed to conduct a reasonable investigation and is improperly holding me responsible for a transaction that was not fulfilled by the merchant. I have attached all supporting documentation, including an indexed evidence packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. I made a {$4500.00} down payment on a vehicle priced around {$8700.00}, and the remaining balance was financed through XXXX XXXX XXXX at 27.99 % APR for 72 months. The financing included optional add-ons, including a {$2000.00} vehicle service contract. I cancelled the service contract on XX/XX/XXXX while it was still active and signed a cancellation request form. The contract term was 12 months, and it was cancelled after about one month, so a refund should have been issued to the lender. The lender has confirmed that no refund was ever received or applied to the loan. The dealership has now stated that the contract expired and no cancellation was processed. This failure to process the cancellation was not caused by me. As a result, I have been charged interest on a cancelled product and the loan balance remains inflated. After paying approximately {$9500.00}, the payoff is still about {$8300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Company : Bank of America , N.A . Product : Credit card ( Account ending in XXXX ) Issue : Problem with a purchase shown on your statement I am a XXXX Bank of America client and XXXX XXXX member. Bank of America has refused to evaluate my credit card dispute under 12 CFR 1026.12 ( c ), instead denying my claim solely on time-limit grounds that do not apply to XXXX ( c ) claims. On XX/XX/XXXX, I was charged {$2200.00} by XXXX XXXX XXXX for a product never delivered. Over 18 months, I contacted the merchant eight times in good faith. On XX/XX/XXXX, XXXX confirmed a refund of {$2300.00} in writing, then never issued it. XXXX now has an F rating from the XXXX with 278 unanswered complaints and appears to be going out of business. On XX/XX/XXXX ( Claim XXXX XXXXXXXX ), BofA denied my dispute citing the 60-day billing error window. On appeal, BofA acknowledged the Visa 540-day framework but argued I was 14 days past the cap. Neither time limit applies to my 1026.12 ( c ) claim. The CFPBs own commentary ( Supplement I, Comment 12 ( c ) -1 ) confirms 1026.12 ( c ) operates independently of 1026.13 and contains no filing deadline. On XX/XX/XXXX, I sent BofA a formal certified letter invoking 1026.12 ( c ) and asserting claims including breach of contract, violation of the FTC Mail Order Rule ( 16 CFR Part 435 ), violation of the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ), and unjust enrichment.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In late XX/XX/year>, specifically on XX/XX/year>, my partner and I attempted to deposit cash into a Chase ATM located inside the lobby of a Chase branch during normal business hours. We inserted approximately {$1800.00} in cash into the ATM. Immediately after the machine accepted the bills, it malfunctioned before counting the money. The ATM printed an error receipt with a code, date, and a phone number to call, but no deposit amount was listed. We called Chase immediately and reported the malfunction and opened a dispute. At first, Chase issued a provisional credit. On XX/XX/year>, we received a message stating : We have reviewed the information you provided. We have also reviewed your account details and determined you have received partial credit of the disputed amount from the merchant/third-party/ financial institution. As a result, we are removing {$660.00} from your account on or after XX/XX/year>. This explanation did not make sense because this situation involved a cash ATM deposit inside a XXXX branch, not a merchant or third-party financial institution. Because the explanation did not match what actually occurred, we contacted Chase and asked them to reopen the claim and reinvestigate the findings. Chase reopened the claim. On XX/XX/year>, Chase responded with the following statement : As a result of our research, we confirm that there was no deposit made to your account. No adjustment will be made to your account at this time. We again contacted Chase and asked them to provide the evidence and documentation used in their investigation. We were told the information would be emailed to us within three hours. That was approximately two weeks ago and we have still not received any documentation or evidence explaining how they reached their conclusion. Because the ATM accepted the cash and then malfunctioned before counting the bills, the transaction never completed normally. The fact that a deposit was not recorded does not mean the cash was not inserted into the machine. We still have the error receipt that was printed by the ATM when it malfunctioned. We are requesting that Chase conduct a proper investigation of the ATM malfunction that occurred on XX/XX/year> and review the ATM electronic journal, error logs, and ATM balancing records for that machine on that date. We are asking that the missing {$660.00} that was removed from our account be returned.

Company response to consumer: Closed with explanation