vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: Chime Financial Inc
State: CA

Complaint narrative:
* * Consumer Bureau Summary Disputed Transaction with XXXX and Chime * * My name is * * XXXX XXXX * *, and I am filing a complaint regarding an unresolved dispute involving a * * {$150.00} * * transaction made through the XXXX platform on * * XX/XX/XXXX * *. Despite four months of communication, four formal appeals, and extensive documentation, neither XXXX nor my bank, * * Chime * *, has resolved the matter. 

The order in question was a * * pickup meal * * that XXXX marked as completed. However, the restaurant has provided * * two written statements * * confirming that they never received or fulfilled the order and that they do not conduct business with XXXX. Because the order was never fulfilled, I was forced to purchase a second meal for my family, resulting in duplicate expenses. 

I have repeatedly submitted the following evidence : - Order confirmation - Screenshot of XXXX marking the order as completed - Two written statements from the restaurant - Proof of the second meal purchase - All correspondence attempts with XXXX Despite meeting the burden of proof multiple times, Chimes dispute team has denied my appeals without providing any clear explanation. Customer service agents have stated they can not access or explain the dispute teams notes, nor can they contact the dispute team directly. This leaves me with no transparency, no reasoning, and no path to resolution. 

This is not the first time I have experienced mishandling by Chime. A similar issue occurred in * * XX/XX/XXXX * *, during which my disputed funds were also improperly withheld before eventually being returned. That incident required escalation and persistence on my part, and it is concerning to see this pattern repeat. 

Throughout this process, I have also experienced several unsatisfactory interactions with representatives, including dismissive communication, condescending tones, and incomplete followthrough on tasks that were explicitly discussed. These interactions have added unnecessary frustration and further delayed resolution.

It has now been four months since the original transaction, and I have submitted four appeals with no meaningful response or corrective action. I am requesting : - A refund of the * * {$150.00} * * - A review of Chimes dispute handling practices - Accountability for the lack of transparency and repeated mishandling Given the length of time this matter has remained unresolved, the repeated requests for evidence I have already provided, the financial impact, and the ongoing lack of transparency, I am also considering whether restitution is appropriate. 

I have acted in good faith at every step, provided all requested documentation, and followed all procedures. I am seeking a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been told in the past by previous reps and managers that if I use my PayPal credit card and my purchase is over {$140.00} I could call and request the promotional code be added to my purchase. I found out on XX/XX/year> that this is incorrect and all the times in the past this has been done for me it should have not been done. I made a purchase for XXXX and called paypal XX/XX/year> to request the promotional code be added to my purchase. The rep told me that it could be done this one time once the purchase goes through but not in the future. I told her this has been done before for me and i have been told by various reps and managers that i could call and ask for this promotion to be added. I spoke with a manager that same day who told me the same information. She said to call back once it has gone through so the code could be added but just for this one time. I agreed and stated I would no longer use the card so I don't have this issue. On XX/XX/year>, I called back. The rep and manager told me they could not request this because it is not allowed even when i told them about the conversation before. The manager even went as far as to lie to me and say she requested it and it was " denied ''. I did not believe her and asked to speak to a supervisor so i could file a formal complaint. I believe she was just telling me no to get me off the phone which is very unprofessional. She transferred me and a new supervisor put it the request for me but it would not be a guarantee which i dont understand why as i was told on XX/XX/year> it could be done as a one time courtesy. Letter I recently received via email from synchrony states : - The transaction amount does not meet promotion criteria. ( This is incorrect, the purchase is over XXXX as advertised in the email sent out by synchrony bank ). - The date of transaction did not occur during the promotional period. ( This is incorrect, there is no specific date a purchase has to be made within ). The type of merchandise purchased was not included in promotional offering. ( This is incorrect, there is no specific merchandise that is not included in this promotion ).

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 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
FNB mortgage loan XXXX XXXX XXXX made the following written representations regarding refinancing multiple times ( both prior to and on closing day, XX/XX/year> ) see Attachment 1 : 1. I would be able to refinance at any time and with any lender. 
2. FNB would subordinate the XXXX silent second loan. 
XXXX. I would not have to repay the XXXX silent second loan. 

After closing with FNB, I initiated a refinance with XXXX XXXX XXXX approximately XXXX month later. On XX/XX/year>, XXXX informed me they would not subordinate the second lien, directly contradicting the written representations in Attachment 1 see Attachment 2. 

On XX/XX/year>, XXXX XXXX and XXXX XXXX ( AVP, XXXX XXXX XXXX ) were made aware of the written representations in Attachment XXXX and were requested to approve subordination. No response was received see Attachment XXXX. 

On XX/XX/year>, after I filed a CFPB complaint detailing the above, FNB reversed course and agreed to honor the written representations see Attachment 4. 

The original targeted closing date with XXXX XXXX XXXX was XX/XX/year>. FNBs delay in approving subordination caused me to incur {$2000.00} in additional rate lock extension fees. Attachment XXXX includes the original and final Closing Disclosures from XXXX XXXX XXXX, showing the removal of a {$1600.00} lender credit and the addition of {$440.00} in discount points. XXXX XXXX XXXX has confirmed these changes reflect rate lock extension costs resulting from the subordination delay see Attachment 5. 

This new complaint is not about the subordination approval itself ( which was resolved ), but about FNBs refusal to reimburse the documented financial harm directly caused by their delay and initial refusal to honor the written representations. I request that FNB fully reimburse the {$2000.00} in rate lock extension fees caused by the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: OR

Complaint narrative:
I disputed a {$230.00} purchase processed through American Express because the item I received was significantly not as described. The item was a XXXX sweater purchased on XX/XX/2025. The sellers listing showed no defects, but when the sweater arrived, it had an undisclosed stain embedded in the ribbon knit pattern. This materially changed the condition and value of the item. 

I opened a dispute with American Express and submitted clear photographic documentation of the defect. I also explained that this issue qualifies as a billing error under Regulation Z because the goods were not delivered as described. 

American Express denied the dispute without addressing any of the evidence I provided. Their denial relied exclusively on the merchants internal all sales are final policy and the incorrect claim that I had not contacted the merchant. Both points were factually wrong and irrelevant to their legal obligation to investigate a Significantly Not As Described claim. 

Regulation Z requires the card issuer to conduct a reasonable investigation and evaluate all available evidence. American Express did not do this. Their written decision does not mention the defect, the photographs, or the mismatch between the listing and what was delivered. Instead, they issued a blanket statement that the charge is valid, even though the item received was materially different from what was advertised. 

This dispute was mishandled, and American Express did not perform a compliant investigation. I am requesting CFPB assistance to require American Express to properly evaluate the evidence and correct the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The debt they are trying to collect I have no idea about and I have never done business with credit acceptance.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX ordered all credit card companies to charge no more than 10 % interest for the next year beginning XX/XX/year>. Chase Bank has not complied and as of my statement generated on XX/XX/year>, my interest rate is still showing over 16 %

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I reported unauthorized charges on my XXXX XXXX  credit card that were made on XX/XX/25 and XX/XX/25 of a total of {$700.00}. The issuer has denied my claim solely because the transactions were chip enabled. I did not make or authorize these purchases.I am requesting a reinvestigation and removal of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
Loan has been XXXX years old or older and they still have on file in the store anything on your credit or in the store should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called on XX/XX/year> and made settlements to multiple accounts, now capital one is saying they will not honor the agreement. Which going through this trouble they should settle to even less now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I am filing this complaint against Barclays Bank regarding my GM Business Mastercard account and Barclays repeated and unreasonable failure to verify my identity and remove a security hold on my account. 

Upon receiving my cards, I activated them successfully through the Barclays mobile app. While logged into the secure app, I used the provided option to add the card to XXXX XXXX. During this process, Barclays system incorrectly flagged the activity as a suspicious XXXX purchase. As a result, my account was immediately restricted and referred to Barclays security department, which appears to be handled by an offshore team.

I was instructed to submit extensive identity verification documentation, including front and back copies of my drivers license, my Social Security card, and proof of address. I have submitted these documents well over 15 times through every method requested, including secure upload, fax, and other submission channels. Each time, a new issue was raisedfirst that documents were not legible, then that something else was missing or delayeddespite the same documentation having already been accepted in prior submissions. 

I have provided recent and historical documentation, including tax records from XXXX  bank statements, and proof of address. Despite this, my account remains restricted. Representatives repeatedly confirm that my documents are visible in the system but claim they must wait for a separate back office review, with no timeline or resolution provided. 

I have made numerous calls attempting to resolve this matter, including speaking with a manager. None have been able to provide meaningful assistance or escalate the issue effectively. I continue to be routed to offshore representatives who acknowledge receipt of my documents but are unable or unwilling to take action to release the security hold.

As a result, I have been unable to access or use my GM Business Mastercard despite completing all requested verification steps multiple times. Barclays has also flagged additional applications and subjected me to the same repetitive and ineffective verification process, further compounding the issue. 

I am requesting CFPB intervention to require Barclays Bank to complete its identity verification promptly, remove the unjustified security hold, restore full access to my account, and cease requiring repetitive submissions of the same documentation without explanation or resolution.

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 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
I paid for a service ( {$190.00} ) turned out to be a scam. The individual did not have such said service and cashapp will not refund my money. I also showed proof of me being scammed through text messages. 
This individual is also not in my payment history so there is nothing tying me to this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
This complaint concerns mortgage servicing and foreclosure representations related to a cooperative apartment loan serviced by XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX ( XXXX XXXX  ) as investor . 
In XXXX, while the loan was serviced by a prior servicer, I was led to believe the loan had been lawfully foreclosed and that the property would be sold. Relying on those representations, I vacated the property in XX/XX/XXXX. 
In XXXX, a Form XXXX was issued asserting acquisition or abandonment with a reported date of XX/XX/XXXX, a principal balance of approximately {$140000.00}, and a fair market value of approximately {$180000.00}. However, no foreclosure judgment, no court-ordered sale, and no lawful eviction ever occurred. 
In XX/XX/XXXX, I received a formal FOIL response from XXXX XXXX stating that no records exist of any warrant of eviction being executed or even attempted at the property between XX/XX/XXXX and XX/XX/XXXX ( including no warrants, execution notices, returns, or logs ). 
Despite the absence of any lawful foreclosure or eviction, the cooperative shares were internally transferred in XX/XX/XXXX for {$10.00} and later resold for approximately {$100000.00}. I did not discover the {$10.00} transfer or the lack of foreclosure until XX/XX/XXXX. 
After discovery, I acted promptly by filing a lis pendens and a quiet title action. In prior CFPB-related correspondence, the servicer acknowledged review but did not verify that the foreclosure sale was completed in compliance with applicable law. 
I am concerned that XXXX XXXX XXXX XXXX has relied on or continued prior servicer records asserting foreclosure or abandonment without producing proof of lawful foreclosure, eviction, or authority to dispose of the property. I am requesting CFPB review of servicing accuracy, foreclosure representations, and the basis for the XXXX and subsequent disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I started receiving emails about a XXXX pay card opened in my name. At first, I thought it was just a scam until I saw that one would be being sent to my address. I checked my credit report and noticed that yes an account was open in my name. However, I noticed the address was for an address in XXXX, South Carolina. I called synchrony Bank on XX/XX/XXXX and spoke with XXXX. I confirmed with her that the account was fraudulent and asked her to close it. She said the account was canceled and marked fraudulent and would take XXXX to XXXX  days to close.

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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: AL

Complaint narrative:
I use rain app to access the funds I get from that day I worked. I used the rain account on my chime account and every time I used it it sent it to my. MY PAY instead of my checking. So they are trying to charge me for my own money I got sent through chime to my pay. I can send transactions from everything I want to sue chime for misleading information. And lying to the public for. They say charges are free but they are not and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: OR

Complaint narrative:
In early XX/XX/year>, I purchased a sweater on XXXX for {$240.00}. When it arrived, the item had a strong mildew/mold odor and was in unsanitary condition. This was not disclosed in the listing and constitutes a textbook Not as Described / Damaged condition. I submitted photographs and a written report documenting the odor and contamination. 

XXXX refused to accept a return based solely on platform policy, not based on whether the item matched its advertised condition. Regulation Z requires the issuer to investigate whether the merchant provided the goods as describednot whether the merchant has a strict final-sale policy. 

American Express denied the dispute twice despite the evidence. The merchant provided no rebuttal evidence addressing the odor or unsanitary conditiononly policy language. Amex relied on this instead of evaluating the actual condition of the item. 

This constitutes an improper dispute handling process, as the determination was made based on merchant policy rather than defect evidence, contrary to Regulation Z requirements for a reasonable investigation. 

Previously Uploaded Documents Screenshot XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: DISCOVER BANK
State: PR

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/XXXX, that was advertised and promoted as operational and in perfect condition, including the paint and overall vehicle appearance. Upon arrival in XXXX XXXX, the vehicle was non-running and had severe paint defects, making it materially different from how it was represented at the time of sale. 

I filed a dispute with Discover under goods not as described / misrepresentation. Discover initially issued a provisional credit, which I received. 

After the merchant responded, the provisional credit was automatically removed. On XX/XX/XXXX, I was informed by a Discover Billing Dispute XXXX that this automatic removal did not mean a final decision had been made and that the dispute was still pending review. I was also informed that all documentation I submitted had been received. 

However, my account interface later showed the dispute as case solved, while a Billing Dispute XXXX simultaneously stated that the merchants response was still under review and no final decision had been reached, creating confusion and concern that the dispute may have been prematurely closed or improperly handled. 

Discover requested additional documentation to support that a refund is due, despite my submission of : Promotional materials showing how the vehicle was advertised, including that the paint and condition were perfect Images of the vehicle as received, showing it was materially different and the paint was defective The merchant relies on an as-is claim, but as-is does not override misrepresentation at the time of sale. I am concerned that Discover may be relying on the merchants statements rather than evaluating the evidence I submitted. 

I am requesting that Discover : 1. Clarify the status of my dispute 2. Escalate the dispute for supervisor or review-team handling 3. Review the dispute on its merits under goods not as described / misrepresentation, rather than procedural or system-based actions

Company response to consumer: Closed with explanation