vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, a XXXX XXXX check in the amount of {$1000.00} was issued by XXXX XXXX to the payee. The check was drawn on a XXXX XXXX account and sent through XXXX XXXX XXXX XXXX service. 

On XX/XX/year>, the payee deposited the check into a Capital One account. Capital One received and imaged the check for processing ( the check image provided by XXXX XXXX shows a Capital One XXXX processing stamp, confirming presentment through Capital Ones clearing center ). 

After initial provisional posting, Capital One rejected the check at posting due to a payee name mismatch ( nickname vs. legal name ). Capital One states that the item was not accepted for final settlement and that a return was initiated. Capital One further states that it never received or retained final settlement funds for this item. 

However, XXXX XXXX system shows the check as cleared/paid, and XXXX XXXX states that no return was received. XXXX XXXX therefore has not recredited the drawers account and considers the item finally paid. 

As a result : The payee never received the funds. 
The drawer was never recredited.

The depositary bank states it rejected and returned the item and did not accept settlement. 
The paying bank states final payment occurred and no return exists. 

This creates a failed interbank return reconciliation / misapplied Federal Reserve settlement. Presentment is proven, posting was rejected, and the return did not reconcile. The funds are missing between institutions and are not in either customers account. 

This is an interbank settlement error governed by : Uniform Commercial Code ( UCC ) Articles 3 and 4 ( including 4-215 and 4-302 ) Regulation CC Federal Reserve Adjustment and Return Rules Under these rules, funds can not disappear, and one of the two institutions must either recredit the drawer or complete an interbank adjustment and credit the payee. 

The requested resolution is : A full Federal Reserve settlement and return trace by both institutions Identification of whether final settlement was accepted or whether a return failed to post Recredit or reissuance of the funds to the drawer pending interbank adjustment Written confirmation of the adjustment and final disposition of the funds. 

The consumer is requesting that the CFPB require both XXXX XXXX and Capital One to perform a formal interbank adjustment investigation, comply with UCC and Regulation CC obligations, and resolve the missing settlement so that the funds are restored to the rightful party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: ID

Complaint narrative:
Everest Recieveable Services contacted my ex-spouse by her name about my debt on XX/XX/year>

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 2026-01-22 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: CA

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX with XXXX XXXX XXXX for {$950.00}. The merchant confirmed in writing that a full refund would be issued once I returned the item. I returned the merchandise at my own expense, and it was delivered to the merchant on XX/XX/year> ( delivery confirmation available ). 

The merchant has retained both the returned merchandise and my funds and has stopped responding to my messages. I provided XXXX with proof of delivery, screenshots of the written refund agreement, and evidence of the merchants non-response. 

XXXX initially paused my payment schedule during the dispute, but has now resumed payments and is sending past-due notices without resolving the dispute, reversing the transaction, or providing a resolution timeline. I am requesting formal resolution due to merchant non-performance and failure to honor a documented refund agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I can't get through to a representative on Citi 's phone line. When I said " Close my account '' to the automated phone line, the bot asked " Can you tell me why you want to close your account? '' and I said " No. '' And they wouldn't connect me to a representative. And Citi doesn't have messaging through their website like all other banks do. I want to close my Citi accounts ( checking & savings ). Also I tried to transfer my remaining funds to my linked XXXX XXXX account, but could not transfer it because it was less than a dollar.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of LVNV Funding LLC related to court cases # XXXX and # XXXX. 
I first became aware of the wage garnishment only after receiving a notice from my employer. I did not receive clear or timely notice directly from the debt collector before my employer was contacted. I live in an apartment building where mail delivery issues are common, and important correspondence is frequently not delivered. 
LVNV Funding LLC submitted a Certification of Collections or Costs/Interest seeking to collect additional costs and/or interest that were not clearly explained, itemized, or demonstrated to be authorized under the original judgment or applicable law. 
Despite documented financial hardship, LVNV Funding LLC pursued aggressive collection actions and demanded excessive garnishment amounts without properly considering my income and household expenses. 
My current bi-weekly net income is approximately {$950.00}. A wage garnishment of {$140.00} per pay period is already in effect and causes significant financial hardship. Any attempt to increase this amount would be unreasonable and would prevent me from meeting basic living expenses such as rent, utilities, food, and transportation. 
In addition, my husband has suffered XXXX XXXX  and has serious ongoing medical limitations. The stress caused by repeated collection notices, certification filings, and garnishment actions directly affects his health and represents a potential risk to his well-being. 
I am not disputing the validity of the underlying judgment. My complaint concerns the fairness, proportionality, adequacy of notice, and the assessment of additional costs or interest in the debt collection process. 
I respectfully request that this matter be reviewed for potential violations of federal consumer protection laws governing debt collection practices. 
Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I discovered that a rental account and balance are being reported under my name even though I did not knowingly agree to be the primary leaseholder. At the time the apartment was obtained, I was informed that only my husband would be on the lease. I was told to complete an application solely because I would be residing in the unit, and I was never informed that this would place me on the lease or make me financially responsible. I was not asked to provide proof of income or documentation required to qualify as a leaseholder. 

When my husband received military orders and we attempted to modify the lease, management stated I could not be removed and instead removed my husband and listed me as the primary leaseholder without my consent or proper authorization. This was later reversed, but the balance was still assigned to me. The amount being reported includes rent and damage charges that I did not agree to and was not properly notified of. 

I am requesting a full investigation, documentation showing my authorization and legal responsibility for this debt, and correction or removal of any inaccurate or misleading information being reported.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm receiving phone calls from Synchrony Bank who manages my XXXX account. 
They've charged me {$48.00} for some kind of Payment security for XX/XX/XXXX and XX/XX/XXXX. I have NO idea why this fee is on my account. It increases my balance and in addition they charged me {$69.00} in fees for XX/XX/XXXX and XXXX on XX/XX/XXXX. 
This totals : {$130.00} and {$92.00} that they put on my balance whereby stating that I owe {$230.00} as a payment. 
This is Ludicrous since my payment is only {$100.00} a month.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We have been having problems with our mortgage company ( Mr. Cooper ). At that end of XXXX our mortgage balance was {$100000.00}. From XXXX to this end of XXXX we paid our mortgage payment as per our mortgage statement. There was only one payment option to pay, in which we did. My XXXX  made the payment due to my XXXX because of my military veteran status. However, when my wife said in XXXX of XXXX that something did not look right on our statement. I looked it over and found that I since XXXX till the end of XXXX we were not paying any of the principal. We were both shocked that our principal actually went up to {$110000.00}, from the XXXX balance of {$100000.00}. I called Mr. Cooper on XX/XX/XXXX, XX/XX/XXXX and again 0n XX/XX/XXXX. All of the people I talked to said that this was not correct and they would be passing it on to their supervisor. However, on XX/XX/XXXX since I did not get anything back from the other two calls I made. I requested to talk to the supervisor. Mr. Cooper 's supervisor indicated to me that she could see that no principal was paid and did not have any answers of why this happen. She said she will put in an inquiry with her corporate office. As of this date I have not heard of any response from Mr Cooper. However, I just got a new mortgage statement. The name on the statement is now has changed to XXXX XXXX  and not Mr. Cooper. So again, we are concerned why this happed and now our length of our mortgage will be longer. Can you please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This complaint is regarding the failure of TransUnion to report accurate information and follow federal blocking mandates. 

I demand the correction of my personal information ; my only legal name is XXXX XXXX and my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX. Please purge all other variations and old addresses. 

I am disputing the following inquiries as they were made without my consent ( violation of 15 U.S.C. 1681b ) : XXXX XXXX  ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XX/XX/year> ) XXXX ( XX/XX/year> ) Additionally, the account XXXXXXXX XXXX XXXXXXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * is reported without my authorization. Based on FTC Report # XXXX and the provisions of 15 U.S.C. 1681c-2, TransUnion must block the reporting of this item within 4 business days. I demand immediate deletion of this unauthorized account.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
A company called my employer stating that they were with XXXX XXXX XXXX. The person 's name was XXXX XXXX and her number was XXXX. She was attempting to verify wages and employment. After looking up the number, I found out that the number left was for Midland Credit Management. This is a false representation and a direct violation of 1006.18 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is 60191 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Wix a company that hosts websites.

A charge went through my credit card.I told the credit card company I did not approve that or sign it.I would never do that because It would be over my credit limit on my credit card.

Unauthorized charges on my credit card I thought was going to be an easy thing to resolve.They said they would handle it and talk to the company, and they haven't done anything.I asked to talk to someone in the United States they wouldn't tell me where they were.I was trying to get just a local contact.This is a scam, I explained to them that scamers are very good at what they do.

I did not authorize {$810.00} on a citi credit card.I don't understand why the credit card company is so negative to a paying customer. Never missed a payment.

They should turn down the credit card transaction that I did not approve!!

I explained to him that they're supposed to be looking out for me.And they said, yes, sir we are, My reply No, you're not and please take care of this issue on my credit card. 

Thank you. 
XXXX XXXX

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I think you have exceeded your revenge like this my., you have hurt my person a lot you have fulfilled the promises and threats where you mention leaving me without a bank account for XXXX years put an alert of my profile in all XXXX XXXX  so that no one wants to open a bank account for me, also customer service let me know that you order all banks to stop any check that I deposit... you also lied to money gram responding to a dispute of a money gram that they deposited in bank account XXXX XXXX XX/XX/year> you said that I was collecting who The money orders that that money was left to me the payment. You charged and gave it to your boss who is in charge. And you have to put XXXX no one turned me off anything else I've been a victim of scam theft fraud and Not only that, but also a victim of XXXX XXXX  and to those XXXX criminals I support and help to take all my money Just remember they threaten to sue you if you don't do what they ask you I'm telling you because it's proof but your clients alone are going to fall and they're going to turn off all the damage they've done to me and all for fear of showing proof of how police and banks buy I have those videos very well stored so if something happens to me those videos and a lot of information will come out and you're going to have to clarify everything Bank America

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 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
had insurance for date of insurance and filed, yet reported to my credit

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 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
In early XX/XX/XXXX, Comenity Capital Bank/Bread Financial sent me a preapproval email for the XXXX XXXX credit card. The terms of the offer stated that I would be given a free year of XXXX XXXX once the card was activated. 

Using the email link, I applied for the card using the same email as my XXXX account ( XXXX ) and was approved on XX/XX/XXXX. 

I received the card in the mail on XX/XX/XXXX and immediately activated it. The notice mailed with the card plainly states that I get a free year of XXXX XXXX once the card is activated, so long as I apply with the same email as my XXXX account ( which I did ). 

To date, I have not received this benefit. I sent a message to comenity on XX/XX/XXXX, but they told me it will take 90 days to complete an investigation. This is not reasonable, as one of the provisions of the offer is that I will lose the XXXX XXXX  membership if I dont make a purchase within 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding a balance transfer offer that was advertised to me when I applied for my Citi credit card.

The offer stated that I would receive a 3 % balance transfer fee for up to 4 months after opening the account. Based on this promotion, I opened my account on XX/XX/year>. 

As of today, when I logged into my account to complete the balance transfer, I noticed that the offer is no longer available. This is very concerning, as I am still within the 4-month promotional period that was clearly stated in the original offer.

I opened this account specifically because of this promotion, and I feel misled that the offer has been removed before the stated timeframe ended.

I kindly request that this issue be reviewed and that the original promotional balance transfer offer be honored, or that a clear explanation be provided as to why it was removed. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I received a letter from Afni Inc. stating that they are representing my auto insurance company and I have to pay them a significant amount of money. They threatened that will suspend my driver license if I don't pay. They called me multiple times to collect the dept. They represent themselves as a collection company. 

I reached out to my auto insurance company and they do not work with collection companies at all, had no idea who Afni is and my records do not indicate I owe any money. Therefore, the whole thing was a scam. 

Afni have a website and appears like a legit business. Some customer feedback I found online indicates that Afni actually suspended their driver license or reported them to the credit bureau and people had to pay off debts they never had. 

Afni also had valuable personal information that matches my insurance company information, which is concerning. I don't know how did they manage to get that information.

Company response to consumer: Closed with explanation