vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) regarding their failure to properly investigate and respond to a scam involving unauthorized financial loss through their platform. Between XX/XX/year>, I transferred funds from my bank account to Cash App, which were then used to purchase Bitcoin and sent to a fraudulent third-party investment platform introduced through XXXX. This was part of a scam. I was advised I was being assisted in learning how to trade bitcoin/ cryptocurrency. After realizing I was being defrauded, I immediately contacted Cash App support. However, instead of conducting a meaningful investigation, I have repeatedly received automated or bot responses stating that my case is closed due to lack of response or that the transactions are irreversible. This is inaccurate and unacceptable for the following reasons : - I did respond and attempted to follow up, but my case was closed anyway.- Cash App has not provided any real investigation details, documentation, or evidence of review.- The responses appear automated and dismissive, not compliant with fair consumer complaint handling standards.- As a financial services provider handling cryptocurrency transactions, Cash App has a responsibility to properly review fraud claims, especially those involving scams. I am requesting1. A full and documented investigation into my case 2. A detailed explanation of how my claim was reviewed 3. Any available recovery options or escalation procedures 4. A review of Cash Apps practice of automatically closing fraud complaints without proper handling this situation has caused significant financial and XXXX XXXX, and I am seeking a fair and legitimate resolution. They should have additional checks in place to make sure the site we are submitting to is legit since its hard to tell now adays with all the AI. I tried to connect a few times with Cash App and they keep sending out automated responses. Any assistance you can provide will be greatly appreciated. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am filing this formal complaint against SCOTT & ASSOCIATES and XXXX XXXX XXXX regarding their unlawful attempts to collect a debt of {$5400.00} that I do not owe. The debt was originally associated with XXXX Bank, but the case related to this debt was voluntarily dismissed by XXXX XXXX XXXX on XX/XX/year>, under Massachusetts Rule of Civil Procedure 41 ( a ) ( 1 ) ( i ). This dismissal legally nullified the debt, making it invalid and uncollectible. Despite this dismissal, SCOTT & ASSOCIATES, acting on behalf of XXXX XXXX XXXX, has continued to pursue collection of the debt. These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits debt collectors from making false or misleading representations regarding the legal status of a debt. By continuing to collect on a debt that has been dismissed, SCOTT & ASSOCIATES is misrepresenting the legal status of the debt and engaging in deceptive practices. Furthermore, SCOTT & ASSOCIATES actions also violate 15 U.S.C. 1692f, which prohibits the use of unfair and unconscionable means to collect a debt. Continuing to pursue a dismissed debt is both unfair and unconscionable, as it causes undue emotional distress and confusion. Additionally, XXXX XXXX XXXX, as the current creditor, is complicit in allowing their debt collection agency, SCOTT & ASSOCIATES, to pursue a debt that was dismissed by the Plaintiff. Their failure to intervene and stop these collection efforts is unacceptable and violates the protections afforded to consumers under the FDCPA. I request that the CFPB investigate this matter and take appropriate action to ensure that SCOTT & ASSOCIATES and XXXX XXXX XXXX cease all collection efforts related to this invalid debt. I also request that they remove any references to this debt and provide written confirmation that they have done so. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). After disputing the alleged debts and requesting validation under 15 U .S.C. 1692g, the companies failed to provide sufficient documentation showing that I am legally responsible for the accounts. They did not produce essential records such as a signed agreement, proof of ownership or assignment, a full account history, or evidence of their authority to collect. Despite this, they appear to have continued collection efforts and may have reported the accounts to credit bureaus without properly verifying the information. This conduct may violate several provisions of federal law, including requirements to validate disputed debts, avoid misleading representations, and ensure fair collection practices under the FDCPA, as well as obligations under the FCRA to report accurate information and properly investigate disputes. Additionally, failure to follow XXXX XXXX reporting standards and the reporting of incomplete or unverified data may expose these companies to further regulatory violations and civil liability. Overall, their actions suggest a pattern of attempting to collect unverified debts while potentially reporting inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'Name: XXXX XXXX\nAccount: XXXX XXXX XXXX\nMy bank account closed on XXXX with a balance of XXXX and I have never received the check. BOA stated they sent a cashier check back in XXXX without a tracking number. The only check received was XXXX on XXXX. I would like my remaining funds of XXXX cashier check with a tracking number.'

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: CA

Complaint narrative:
For the past XXXX years I have been asking XXXX XXXX HABITAT FOR HUMANITY IN XXXX XXXX CALIFORNIA to provide me with an updated statement of the payments I have been making but they give me excuses each time. I have emails/texts/phone calls to them. Spoken with the XXXX in XXXX and she said in her email and on phone they were very close to completing their research to provide me with a statement would be soon. I believe in XXXX I sent the XXXX, XXXX XXXX a certified letter to provide me with a statement and there was no response. Till this day XX/XX/XXXX I'm still waiting. I have all the dates/times of my requests. I have placed complaints to everyone I know too and nothing. At this time I have no idea what I owe and where I financially stand with HFH. I pay my {$600.00} a month mortgage every month however during the recession I did fall behind because I was on unemployment and struggling. They tell everyone this but fail to provide me with a statement. Many families are experiencing the same issue. Please help.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint because LVNV Funding LLC has failed to provide legal proof of their authority to collect on account # XXXX. On XX/XX/year>, I sent a formal dispute ( see attached copy ) via certified mail ( Tracking # XXXX ). In that letter, I specifically demanded XXXX authority to collect the debt, signed agreement between alleged debtor and creditor, any insurance claims or judgements regarding this account, name and address of the alleged creditor, Alleged account number, Amount of the alleged debt, Date the alleged debt became payable, Date of original charge off or delinquency, Unbroken 'Chain of Title ' and a copy of the purchase agreement proving this agency owns the legal rights to this specific debt complete accounting of alleged debt, To date, the agency has failed to provide this documentation, which is a violation of the FDCPA. I request that all collection activity cease until legal authority is proven

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX- I received a physical mailer in my mailbox with an offer {$300.00} bonus with {$500.00} direct deposit to a new checking account. XX/XX/XXXX - new account opened XX/XX/XXXX - {$500.00} direct deposit hit XX/XX/XXXX - after 6 months, no bonus, sent secured message to ask for bonus XX/XX/XXXX - bank replied, saying they will check in 3-5 business days XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - still no answers I suspect the company would not offer the bonus, as they are making fake advertising

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
This is in response to an earlier complaint XXXX. NEWREZ Mortgage was contacted about the below rebuttal said they would call back and never have. To Whom It May Concern, This is a formal rebuttal to the response submitted by Newrez LLC regarding lender-placed windstorm insurance. The servicers response omits key facts and misapplies the loan agreement. XXXX. Compliance at Closing We have obtained written confirmation from the original lender, XXXX, stating that windstorm insurance was not required at the time of closing in XX/XX/XXXX. Accordingly, we were fully compliant with Section 5 ( a ) of the Deed of Trust at closing. 2. Contract Language Section 5 ( a ) clearly states that insurance is required only for hazards for which the lender requires insurance. No requirement for windstorm insurance was communicated, disclosed, or enforced prior to XX/XX/XXXX. XXXX. Lack of Timely Notice Following the transfer of servicing to Newrez in XX/XX/XXXX, no notice of any deficiency or additional insurance requirement was provided until XX/XX/XXXX. This represents a delay of over 60 days after servicing transfer. 4. Immediate Compliance Upon receiving the first notice in XX/XX/XXXX, we immediately obtained windstorm insurance through XXXX, effective XX/XX/XXXX, and promptly submitted proof of coverage. 5. Improper Backdating of Lender-Placed Insurance Despite our compliance, Newrez is attempting to impose lender-placed insurance for the period of XX/XX/XXXX through XX/XX/XXXX. This period predates any communicated requirement and ignores that we were compliant with lender requirements at closing. Position This is not a case of failure to maintain required insurance. Rather, it is a case where : The requirement did not exist or was not communicated at closing, The requirement was introduced after servicing transfer, and We complied immediately upon notification. Request We respectfully request that all lender-placed insurance charges for the period of XX/XX/XXXX through XX/XX/XXXX be removed, as they are not consistent with the terms of the Deed of Trust or the timeline of notification and compliance. We ask that this matter be reviewed by the servicers compliance or executive resolution team for correction.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I closed on a refinancing of my primary mortgage in mid XX/XX/year> with XXXXXXXX XXXX XXXX XXXX Before my first payment was due on XX/XX/year>, XXXX XXXX sent me notice by email on XX/XX/year> instricting me that my mortgage was transferred to Rocket Mortgage and that I should make all future payments to Rocket Mortgage. XXXX XXXX communicated that my new account number at Rocket Mortgage would be XXXX. I immediately entered online bill pay information from my checking account with XXXX XXXX XXXX to pay Rocket Mortgage a payment of {$8000.00} by XX/XX/year> at the account number provided by XXXX XXXX. On XX/XX/year>, XXXX XXXX XXXX confirms that they transmitted an electronic payment in the amount of {$8000.00} to Rocket Mortgage in my name to Acct No. XXXX. The electronic payment has never been applied to my mortgage by Rocket Mortgage. I received subsequent correspondence from Rocket Mortgage after the electronic payment was made that the actual account number for my mortgage at Rocket Mortgage was assigned as and should be another account number -- the account number I provided as the loan number in this complaint. I contacted Rocket Mortgage on 4 ocassions since because the payment still has not been processed and credited to my account. I also contacted XXXX XXXX XXXXXXXX who faxed information on XX/XX/year> to Rocket Mortgage to verify the electronic payment made through it to Rocket Mortgage on XXXX XXXX, XXXX. I also emailed all of the same information to Rocket Mortgage 's research department directly. My payment still has not been credited to my account. And I have received no follow up from the research department at Rocket Mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Received it for XXXX dollars as credit line but didnt use the card for more than XXXX years. I applied for it just in case I need it for XXXX care. When I visited the XXXX on emergency basis, it was denied. Learned that it was reduced to {$100.00} without warning.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this complaint because TransUnion failed to perform a reasonable reinvestigation of two XXXX XXXX XXXX ( XXXX ) tradelines that I disputed. I submitted written disputes to TransUnion, including certified mail, explaining that XXXX was reporting inaccurate, incomplete, and unverified information. XXXX responded only with generic and insufficient documents, including old billing statements and pooled purchase agreements. These documents do not prove ownership, do not establish a valid chain of title, and do not verify the accuracy of the information being reported. Despite the lack of validation, TransUnion marked the disputes as dispute resolved and continues to allow XXXX to report the same inaccurate information. TransUnion did not consider the evidence I submitted, did not obtain proper validation from XXXX, and did not conduct a meaningful reinvestigation as required by FCRA 611 ( a )

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 2026-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: DE

Complaint narrative:
they are sending wage garnishment emails to employer in an email no court order or anything. Also sending emails with my ssn number to my fellow co workers about debt. Also sending faxes to my work with my ssn number and confident info with no cover page

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in California. If you continue attempting to collect on this debt - or seek judgment for payment of the debt- without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
XX/XX/year>. XXXX. XXXX # XXXX I keep sending them paid in full receipts for insurance. They keep telling me the receipts are not good enough. Insurance company says its what they always send. Talked to XXXX at XXXX, she hung up on me. Emailed XXXX XXXX to ask same questions and he refuses to email me back,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I am currently homeless, and a refund is owed to me. The company that owed the refund refunded money for cash app has not released the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: VA

Complaint narrative:
I opened a CareCredit credit card account ( issued by Synchrony Bank ) based on CareCredit 's public webpage at XXXX, which states : 'Yes, you can use your CareCredit credit card at all XXXX and XXXX XXXX XXXXocations across the United States XXXX ' I opened the account specifically to use for prescription medication purchases at XXXX in XXXX, VA. On XX/XX/2026, my card was declined at the XXXX pharmacy. Over approximately XXXX hours, I was transferred between multiple agents and the fraud department XXXX separate times. During XXXX of these calls, a front-line agent informed me that an internal email or memo had been distributed within the company stating it is a known issue that the card does not work at XXXX. I was then connected to a Synchrony Bank manager who identified himself as XXXX, who confirmed on the recorded call that pharmacy-related purchases 'should go through ' and 'should not be a problem. ' Despite this, the card continued to fail at multiple registers. XXXX then directed me to the 'Pay a Provider ' feature on carecredit.com as a workaround. I checked every XXXX location in my zip code through that tool and every single location displayed 'not accepting online payments, please contact provider. ' I have a full call recording of these interactions and am prepared to provide it upon request. The medication I was attempting to purchase is life-saving. No disclosure was made at the time of account opening that the card would not function at XXXX, and CareCredit 's own website continues to publicly advertise universal acceptance at all XXXX locations with no such restriction noted. I am filing this complaint to document what I believe to be a deceptive trade practice. I am preserving all rights and remedies available to me under applicable federal and state consumer protection laws and am not waiving any claims by filing this complaint.

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