vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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:
On XX/XX/year> I was scammed into sending {$1900.00} from my CHIME account to another CHIME account identified as " XXXX XXXX XXXX XXXX'. I called CHIME that same day and they told me its account holder, " XXXX XXXX '', accepted the funds. I explained the situation to CHIME and notified them that this was a fraudulent transaction and that " XXXX XXXX '' was committing a fraud and/or her account was being used to commit a fraud and asked for information about the " $ XXXX XXXX '' account. They said the money was already accepted and there was nothing they could do. I asked for confirmation/information about the recipient account. CHIME did not provide same. I explained that since the recipient was a CHIME account, it would have that information and also should be able to refund the money since it was obtained through fraud via itsown system. CHIME said it would " investigate '' but provided no details, time frame or confirmation or dispute number. I explained that since the recipient is a CHIME account holder and the recipient account was a CHIME account, and the transaction was a scam, it should be able to reverse the transaction and at the very least it should " flag '' and investigate the account holder and its CHIME account. CHIME is aware it was a fraudulent transfer to its own member through its own platform yet CHIME refuses to take any action. I have a complete telephone recording of the CHIME conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: eMortgage Funding LLC
State: KY

Complaint narrative:
I am submitting a complaint regarding what I believe to be deceptive and misleading refinance solicitation practices by XXXX XXXX ( Company XXXX XXXX XXXXXXXX ) and loan XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
I was contacted and encouraged to pursue a mortgage refinance based on the clear representation that : My interest rate would be reduced by at least XXXX percentage points, and I would be able to skip my XXXX and XXXX mortgage payments. 
After proceeding far enough to receive a XXXX XXXX, the terms presented were dramatically different and financially harmful. 
My current mortgage balance is approximately {$310000.00}, yet the XXXX XXXX reflects a new loan amount of {$340000.00}, increasing my mortgage debt by nearly {$30000.00}, primarily due to excessive fees being rolled into the loan. 
The XXXX XXXX includes approximately {$27000.00} in closing costs, including over {$10000.00} in discount points, along with additional charges that were never clearly disclosed upfront. 
Additionally, the skip XXXX payments marketing appears misleading, as the interest and costs are simply being financed into the new loan balance rather than providing any true consumer benefit. 
This refinance structure does not align with the representations made to me and appears consistent with a bait-and-switch or fee-driven lending practice rather than a legitimate borrower-beneficial refinance. 
I withdrew immediately and requested that my application be closed. However, I am filing this complaint because I am concerned this lender and loan XXXX may be using misleading sales tactics and non-transparent fee structures with other consumers. 
I am requesting that the CFPB investigate this matter and ensure that my application is fully withdrawn, no further action is taken, and no additional credit inquiries or charges occur.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX reaching out to request a review regarding my recent American Express card approval. I applied for the card with the understanding that a promotional welcome offer would apply to my account. 

After contacting customer support, I was informed that the offer was considered a general promotion and was not system-linked to my specific card at the time of approval, and that this linkage process is automated and can not be adjusted through standard support channels. 

I applied in good faith and met all requirements with the expectation that the advertised offer would be honored. While I understand internal system limitations, XXXX hoping a goodwill review or courtesy adjustment can be considered to address the reasonable expectation created at the time of application. 

I value my relationship with American Express and would sincerely appreciate any consideration youre able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXXPayPal XXXXXXXXOn XXXX XXXX XXXX, my XXXX( XXXX  investigated and determined my account was hacked by an unauthorized user, their reference number is XXXX XXXX XXXX XXXX account was compromised and taken over by an unauthorized XXXX XXXX. During this account takeover, an unauthorized purchase totaling approximately XXXX was made using PayPal as the payment method.XXXXAt the time of this transaction, I had a XXXX  PayPal balance and did not authorize PayPal to extend credit or front funds for this transaction. I did not authorize the purchase, the payment, or any extension of credit associated with it.XXXXUpon discovering the fraud, I immediately took steps to mitigate the damage, including stopping the payment at my bank and promptly notifying both XXXX  and PayPal. I have opened multiple cases with both companies. Despite this, PayPal has placed my account into a negative balance of XXXX and is attempting to hold me financially responsible for funds it voluntarily advanced as a result of fraudulent activity.XXXXXXXXPayPal has repeatedly directed me to XXXX, while XXXX  directs me back to PayPal, resulting in an unresolved loop with no ownership taken by either party. Importantly, this is not a buyer dispute or an item not received claim. This is a clear case of unauthorized account access and unauthorized payment authorization.XXXXI dispute any liability for this balance. I did not authorize the transaction, did not benefit from it, and did not agree to any credit terms. PayPals attempt to collect this balance represents an improper assignment of fraud losses to the consumer.XXXXI am requesting that PayPalXXXXRemove the XXXX negative balance in full\XXXXProvide written confirmation that I am not liable for this fraudulent transaction\XXXXXXXXCorrect any internal records or reporting related to this balanceXXXXI am submitting this complaint because my direct attempts to resolve this matter with PayPal have been unsuccessful, despite timely notification and clear evidence of fraud.XXXXI am prepared to provide documentation, timelines, and case numbers supporting my claim of unauthorized account access.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
A Solar Panel company told me I would receive {$15000.00} to pay off my XXXX Solar panels. I never received any load proceeds. I was not told I was taking out a $ XXXX personal or home improvement loan. The Solar Company has since gone out of business, " XXXX ''. I did not knowingly consent to this loan. The Alleged loan was later sold to another company. This debt resulted from deceptive sales practices and a failure of consideration, and I dispute its validity.

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 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Subject XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I attempted to finance a motorcycle purchase ( XXXX XXXX XXXX ) for {$3900.00} through XXXX XXXX, a division of Truist Bank, at a local dealership. Despite having a Tier 1 credit score of XXXX and a clean credit history with no late or missed payments since XXXX, my application was denied. 

Reason for Denial and Evidence of Discrimination : The formal adverse action notice I received stated the reason for denial was " Unable to verify your identity, '' yet the counter-offer claimed I could receive credit with " acceptable proof of identity ''. However, when I requested clarification at the dealership, I was informed by the representative that the lenders policy is to refuse credit to any applicant who is not a U.S. Citizen or Lawful Permanent Resident. As a XXXX recipient with a valid Social Security Number and extensive credit history, I provided all necessary identification. The " identity verification '' claim appears to be a proxy for a blanket policy of discrimination based on alienage. 

Financial and Emotional Impact : Because this denial occurred at the point of sale, I was left with no immediate recourse for alternative financing. I did not have a car at the time and required the motorcycle for essential transportation that same day. This resulted in an extremely stressful situation where I had to scramble for an hour to contact other banks before ultimately being forced to put the purchase on a personal credit card to secure the vehicle. 

Legal Precedent : I believe this practice violates the Equal Credit Opportunity Act ( ECOA ) and Section XXXX of the Civil Rights XXXX of XXXX. Similar practices by other major lenders ( e.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have resulted in significant settlements after courts found that denying credit based on XXXX status constitutes unlawful discrimination. 

Resolution Requested : I am seeking an investigation into XXXX XXXX lending policies regarding XXXX recipients and non-citizens to ensure they comply with federal civil rights and fair lending laws.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello I applied for a apple credit card and I was denied I, the consumer and natural person, was denied credit by Apple Card. Goldman Sachs Bank when I applied for a credit card from them Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C XXXX XXXX. 
They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by apple due to the response I received XXXX Apple Card. Goldman Sachs Bank is in violation of 15 U.S. Code 1642, L 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

I CANT be DENIED credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

15 USC 1691 & 12 CFR 1002 256 3 If you're denied, you have 30 days to submit a request for reconsideration. They are required to reverse the denial into an approved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
For more than a year, my monthly payments to my Comenity BankXXXX credit card were consistently and correctly applied to the promotional balance with the earliest expiration date. This was the established pattern, and I had every reason to rely on it. However, beginning in XX/XX/XXXX, Comenity Bank unilaterally changed the allocation of my payments without any notice or explanation. Instead of applying my $ XXXX  monthly payment to the promotional balance expiring in XX/XX/XXXX, Comenity began splitting the payment with another balance not due until XXXX. 

As a direct result of this undisclosed reallocation, the XX/XX/XXXXXXXX  promotional balance was not paid in full by its expiration date, and I was subsequently charged the accrued interest. This occurred despite my clear payment history and intent to pay off the soonerexpiring balance. 

Supporting documentation is attached : XX/XX/XXXXXXXX  statement showing the full {$400.00} payment applied to the XX/XX/XXXXXXXX  promotional balance. 
XX/XX/XXXXXXXX  statement showing the same {$400.00} payment divided between two balances, including one not expiring until XXXX. 

At no point did Comenity Bank provide an option for me to direct payments toward the earlierexpiring balance, nor did the bank notify meby phone, email, or written communicationthat my payments would no longer be applied as they had been for over a year. This lack of transparency and unilateral reallocation of payments constitutes deceptive and unfair business practices. 

On XX/XX/XXXX, I spoke with multiple representatives and supervisors who acknowledged the issue but stated that nothing could be done to reverse the charges. To avoid any negative impact on my credit, I paid the improperly assessed interest charges totaling {$3900.00}, along with two additional charges of {$110.00} and {$100.00}. 

I subsequently filed Complaint ID XXXX with the XXXX. In its XX/XX/XXXXXXXX  response, Comenity stated that payments are applied in whatever manner the company determineseffectively confirming that the bank can reassign payments at its discretion, regardless of consumer expectations or established patterns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please inspect the provided materials ; the inquiries came in without prior approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: SmartCredit LLC
State: NY

Complaint narrative:
Unexpected fees such as being charged for Smart credit subscription

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi Bank Checking account, my debit card was flagged for something when I purchased something online on the XXXX of XXXX. I was told I needed a voicemail sent to my old phone number XXXX, but i had called to update that phone number to XXXX and it wasn't done correctly. Now I am waiting for a reference number in the mail and its been so long. I have money sitting in that account and cant access it even though i desperately need it. I had a manager on the support line tell me they wouldnt listen to my agony as i complained about losing my apartment due to not being able to access my funds. I just want my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Karma has locked my account and given me the runaround for days. I just need to be sent a link to verify my ID to fix this, and they just won't. I've been through hours of phone time with them and as I type this am 20 minutes on hold for help!!!! It is outrageous I desperately need my money we are in a terrible winter storm and I wasn't able to prepare. What's worse is I closed the account in early XXXX for different issues and somehow it is the one receiving my taxes still. I just don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ID

Complaint narrative:
I am disputing an attempt to collect a debt that I do not owe. 

The alleged debt relates to a former apartment rental at XXXX on XXXX XXXX XXXX ( managed by XXXX ). At the time of move-out, onsite property management confirmed in writing that my account was cleared and that I did not owe a balance. 

Several months later, during what appears to be a property ownership or system transition, I received a balance reminder from XXXX XXXX  claiming I owed {$250.00}. I immediately flagged this as an error. I was later verbally assured that I did not owe this amount. 

Despite this, the account was placed with a third-party collection agency, Columbia Debt Recovery LLC dba Genesis. 

I formally disputed the debt in writing and requested validation. The collection agency provided a lease copy and a move-out statement but did not address the documented confirmation from property management that my account was cleared. The materials provided do not establish that a balance is currently owed. 

I then contacted XXXX directly to request confirmation of the accuracy of the balance. XXXX replied that they were not managing the account and instructed me to deal only with the collection agency. After that response, XXXX ceased responding to follow-up inquiries and has refused to confirm whether the balance is accurate or sent in error. 

As a result : - The debt remains disputed - The original creditor has failed to substantiate the balance- Collection activity continues based on inconsistent and unverified records I am requesting regulatory assistance to require the companies involved to correct this error, cease collection activity, and ensure no negative credit reporting occurs for a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I have a cash app account that someone had stolen my account log in information or logged into my cash app account without my knowledge or permission and was unauthorized by me to withdraw {$19.00} and {$50.00} on XX/XX/XXXX. The person who gained unauthorized access to my account linked a debit card not belonging to me to my account to withdraw the money. Once I discovered the {$50.00} transaction I immediately changed my pin # and reported it lost or stolen so the card could be canceled then I contacted cash app to start a dispute and report the money stolen from me. I don't know why I didn't get my money back, my money was stolen from me someone using a device completely different than my device accessed my account illegally linked a card not belonging to me in a completely different location than where I am located. I NEVER authorized someone else to access my account I NEVER gave my account information to anyone for them to log into my account and someone was able to do so and steal my money off of it, I foloowed the cash app procedure to file a claim and get my money back I don't agree with their decision to not refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This start on XX/XX/year> and is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Solar Mosaic LLC
State: WA

Complaint narrative:
XX/XX/year> we had reached out to Mosaic & XXXX XXXX to inquire about the service they had been providing. We noted the underperformance of their system and they assured me the system was working and would investigate the underperformance issue. However, they stated we must wait XXXX before they could begin the investigation, which they began in XXXX XXXX. Upon the conclusion they had responded simply that the system was functional, but did not address the underperformance issue. We had sent legal letters to both companies, which were ignored. We have communicated frequently with both companies, and they seem to simply be passing us around and not addressing any issues. We received an email from them regarding an upcoming payment, but they refuse to connect with us in regards to our stated underperformance issues. 

I am asserting a defense against payment under the FTC XXXX XXXX ( XXXX CFR Part XXXX ). The solar system financed by Mosaic has failed to meet the production guarantees in the installation contract, constituting a breach of contract by the seller for which the holder of the debt is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Called AMEX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They tell me to call Delta but Delta transfers me to them because they are the credit card company. I tell AMEX XX/XX/XXXX how weeks after getting my card the welcome bonus tracker of {$8000.00} disappeared suddenly off the AMEX app. They tell me every time I call it's XXXX spend and XXXX skymiles. I insist it's not and I know what it said. That's when they refer me to Delta. Finally they said they would do an investigation after saying that the bonus changes once they get my credit info. The bonus always said XXXX with XXXX k skymiles. And weeks after getting the physical card the tracker said it on the app $ XXXX goal.

Company response to consumer: Closed with explanation