vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I am disputing a medical collection account reported by Ability Recovery Services XXXX XXXX XXXXXXXX XXXX ( Debtor ID : XXXX, Client Ref. No. : XXXX, Account # : XXXX / XXXX ). Ability Recovery Services is treating two separate radiology services as a single combined debt totaling {$780.00} : {$110.00} on XX/XX/XXXX ( XXXX examination ) {$670.00} on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) This account stems from imaging services I received in XXXX while enrolled in the sliding fee scale program at XXXX XXXX XXXX XXXX in XXXX, XXXX. Under this program, the clinic was responsible for all referred services, including external XXXX they handled the referrals and payments. I am not personally responsible for this bill. I never received any initial bill or statement from XXXX XXXX XXXX. / XXXX XXXX or from Ability Recovery Services before the account was placed in collections. The original statements from XXXX XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ) were mailed to my old address in XXXX, XXXX, which I no longer used. I have paid for mail forwarding from that address up to the present day, so there is no way any billing correspondence was sent without being forwarded to my current address in XXXX, XXXX. I had no knowledge of this debt. I sent two formal FDCPA validation requests via Certified Mail : First received by XXXX on XX/XX/XXXX ( return receipt attached ) Second dispute letter sent XX/XX/XXXX ( copy attached ) On XX/XX/XXXX, XXXX sent a response ( attached ) that only listed the combined balances of {$780.00} and claimed XXXX XXXX, XXXX purchased the account. This is inadequate validation under FDCPA 1692g they provided no contract, no proof of assignment, no date of first delinquency, and no evidence that XXXX XXXX did not cover the referral. Ability Recovery Services reported this inaccurate medical collection to XXXX without proper prior notice or validation, causing a XXXX drop in my credit score. This is a clear billing error : the debt belongs to XXXX XXXX XXXX XXXX under the sliding fee program, not to me.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica
State: TX

Complaint narrative:
I am an XXXX woman on social security, lost my XXXX XXXX card, and called to have a new one sent over. They sent a new one over, called them to activate my card, and they requested my govt state issued drivers license, sent that to them, and according to the email, that was the only document needed. Called them again, waited for an hour, they told me that I needed to provide a birth certificate with the Texas driver 's license, which I did, called back, and after a long wait time, they told me that they now needed my social security card. I have been going back and forth with them and have been unable to pay my bills. I tried calling back again to talk to a manager, but they placed me on a long hold for 1 hour and 35 minutes, and no one answered, so I had to hang up. I need some help. If you need to contact me for more information, please reach out to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX XXXX aka XXXX for {$220.00} USD via PayPal. On XX/XX/XXXX via XXXX, the package was addressed to and delivered to a XXXX XXXX at XXXX XXXX in error. I could not locate the package and I do not know this person. The address I provided to the Seller and Paypal was XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX. The address I provided can be seen on the order receipt, the shipping receipt and the Paypal receipt. I made XXXX aware of the error and the fact that I could not locate the package. XXXX insisted that I continue to physically search for the package and that I contact the person that the package was addressed to. I explained to XXXX, that in the US, once the package is addressed to someone else, I do not have any legal rights to the package and that it would in fact be a crime to handle a package that was not addressed to me. XXXX refused to issue a refund. After going back and forth with XXXX, I opened a claim with Paypal on XX/XX/XXXX that was denied on XX/XX/XXXX. I called Paypal customer service several times to appeal the claim. The customer service representatives were able to review the claim over the phone and acknowledge that while XXXX was providing a tracking number in response to PayPals inquiries, the images of delivery proved that it was not addressed to me. Each rep insured me that I would be approved for a refund. I even requested to speak to a supervisor. However, no matter who I spoke to, Paypals back office or computer automated review was not able to make the distinction that an error was made on the Sellers part by addressing to the package to the wrong person and address. Once the Seller provided a tracking number my appeal was automatically denied at each attempt. There was no further investigation to understand my complaint. I went through several appeal processes with Paypal to no avail. Furthermore, Paypal promises Buyer Protection and that was not provided to me after 24 years of being a customer. If you read the email thread between myself and the Seller, it is clear that the Seller is at fault but does not want to issue a refund. However, when Paypal inquires about the transaction, they simply provide the tracking number knowing that there was an error and that I did not receive my package but Paypal allows it and denies my appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I accidently had a money transfer to a US Bank account that was closed of {$98.00}. They don't reject the money, they still accept it to that closed account. I need a check written out in that amount.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding the improper handling of GAP coverage tied to my auto loan with XXXX XXXX XXXX After my vehicle was declared a total loss in XX/XX/year>, my insurer paid the claim, but a remaining loan balance existed. My GAP coverage should have covered this deficiency. Toyota Financial Services denied the claim, stating that the GAP coverage had been canceled due to missed payments. I dispute this for the following reasons : * I never received notice of cancellation * I never received a refund of GAP premiums * The cancellation appears to have been processed without proper disclosure or authorization * No documentation has been provided to support their position This has resulted in significant financial harm, including being held responsible for a balance that should have been covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXX claims an online secured credit card account was opened in my name with a {$200.00} security deposit. I dispute that I opened, authorized, or used this account. In XX/XX/XXXX, XXXX states the account was closed to future spending. In XX/XX/XXXX, they report the account was charged off with a remaining balance of approximately {$140.00}. In XX/XX/XXXX, the account was reportedly placed with a third-party collection agency for further collection activity. I previously filed disputes through the Consumer Financial Protection Bureau and credit reporting channels. XXXX responded that the account was opened using my personal information and verified as accurate. However, they did not provide any supporting documentation showing how the account was actually opened or verified. Specifically, XXXX did not provide application records or underlying evidence such as IP address, device or browser information, email address, telephone number, bank account used for the security deposit, or identity verification records used to approve the account. I also dispute the address associated with this account in XXXX response. The address listed is not my residence and I have never lived there. It belongs to a family members home, and XXXX has not explained how this address was used or linked to the application. I am requesting full verification of the account opening and all supporting documentation used to confirm identity. If XXXX can not provide sufficient evidence that I personally opened and authorized this account, I am requesting removal of the account and correction of all inaccurate reporting, including any address information associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Issue : Incorrect loss mitigation decision / payment misapplication What happened : I am filing a new complaint regarding the improper denial of my XXXX XXXX XXXX XXXX XXXX XXXX and mishandling of my mortgage payments by Mr. Cooper ( XXXX for XXXX XXXX XXXX ). Mr. Cooper previously approved me for a XXXX XXXX XXXX requiring payments of {$1900.00} from XX/XX/XXXX through XX/XX/XXXX. I complied with the trial plan and made payments in the required amount. My records show multiple payments of {$1900.00}, including payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition : XXXX I made more payments than required under the plan XXXX Any minor discrepancy ( approximately {$9.00} ) was immediately corrected and paid XXXX I submitted all required documents, including signed modification documents ( twice ) Despite this, Mr. Cooper denied my modification stating I did not make payments in the correct amount or within the required timeframe. This is incorrect. Why this is a problem : XXXX XXXX explanation does not account for the payments I made and appears to be based on inaccurate or incomplete internal records. During this time, there was a servicing transition involving Rocket Mortgage, which likely contributed to payment misapplication or failure to properly credit payments. Additionally, XXXX XXXX own documentation states that payments may be held until sufficient funds are received, raising concern that my payments were not applied correctly. This appears to be a servicing error, not a failure to comply with the trial plan. What I want : I am requesting : XXXX. A full payment history audit ( payment tracing ) across all servicing systems XXXX. Proper application of all payments made during the XXXX XXXX XXXX XXXX. Correction of my account to reflect that the trial plan was completed XXXX. Reinstatement and completion of my loan modification ( XXXX Partial Claim ) XXXX. Written confirmation that foreclosure activity will not proceed while this issue is under review Additional details : XXXX Loan Number : XXXXXXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX Trial Payment Amount : {$1900.00} XXXX Prior CFPB Complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Complaint Against : Cash App Issue : Account Closure / Funds Withheld / Loan Repayment Blocked Complaint : I am filing a complaint regarding the sudden closure and restriction of my Cash App account, which I have maintained for several years without prior issue. My account was closed without any notification, explanation, or warning. Since then, I have made multiple attempts to resolve this matter through phone support, chat, and live agents. Each time, I have been told that my issue is being escalated, yet I have received no meaningful response, timeline, or resolution. Additionally, I currently have an outstanding loan balance of {$100.00} through Cash App. However, due to the account restriction, I am unable to make a payment. This places me in an unfair position where I am being prevented from fulfilling a financial obligation while also receiving no guidance on how to resolve it. At the same time, approximately {$110.00} of my funds are being withheld, and I have not been given any information regarding when or how these funds will be returned to me. I am requesting the following : 1. A clear written explanation for the closure of my account 2. Immediate instructions on how to repay the outstanding loan balance 3. The prompt release or return of my funds 4. A formal resolution timeline This situation reflects a lack of transparency and prevents me from accessing my money or meeting my financial obligations. If unresolved, this may result in further financial harm. I am requesting immediate review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I financed a purchase through Affirm using an Affirm Virtual Card on XX/XX/year> for a total of {$2800.00}. The merchant, XXXX XXXX, XXXX, sold me a XXXX XXXX XXXX XXXX XXXX package after representing that it would allow me to obtain a loan to buy a business. I relied on that representation when agreeing to the purchase. After the purchase, I learned that the service does not provide, enable, or qualify a customer for a business acquisition loan, and the promised outcome was not true as represented at the time of sale. I would not have made this purchase otherwise. I attempted to resolve this directly. I attempted to open a dispute through Affirm but was blocked by a XXXX limit. I then contacted Affirm to request a manual dispute review and contacted the merchant requesting a refund. I did not receive a meaningful resolution. I am requesting that Affirm conduct a manual dispute review, reverse the transaction, refund the full amount charged, and refund any interest and charges associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/year>, I made a purchase from XXXX for a total amount of {$130.00} using my Capital One credit card. Later that same month, I returned the item and selected the option for the refund to be issued back to my original payment method. Instead of refunding the amount to my credit card, the merchant issued {$110.00} as store credit within my XXXX account. Since I did not receive the refund to my credit card, I attempted to resolve the issue directly with the merchant through their customer support, but the issue was not resolved. I then filed a dispute with my credit card issuer, Capital One. After the dispute was initiated, the merchant suspended my account. As a result, I am unable to access or use the store credit that was issued. I appealed the account suspension with the merchant, but my appeal was denied. My account remains restricted, and I do not have access to the credited funds. Capital One denied my dispute on the basis that the merchant issued a credit. However, this does not reflect the actual situation. The credit issued by the merchant is not accessible or usable due to the account suspension. At this time : - I do not have the returned item - I have not received a refund to my credit card - I do not have access to the store credit This means I have effectively received no usable refund for the transaction. I am requesting that Capital One : - Reopen and properly investigate the dispute - Recognize that inaccessible store credit does not constitute a valid refund - Credit the amount of {$110.00} back to my account I have made multiple attempts to resolve this directly with both the merchant and Capital One, but the issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
My identity was stolen years ago. Made a report. This person used my information from an alias resource documented transaction for an vehicle prior... The alias was a friend to him in which I purchased a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Venmo account that were wrongfully denied after dispute. Multiple charges were made within a short time frame for XXXX, taxi services, and a merchant labeled XXXX XXXX in XXXX XXXX. I have never used XXXX, do not use taxi services, and the listed merchant appears to be permanently closed. I also have my physical card in my possession and did not authorize these transactions. Venmo denied my claim stating that the activity is consistent with my payment history. This is inaccurate. The only consistency is that these fraudulent transactions occurred repeatedly over a few days, which is a known pattern of unauthorized use, not legitimate activity. I requested supporting details for their decision ( authorization method, device/IP data, etc. ), but no meaningful evidence has been provided. I am requesting : * A full reinvestigation of these unauthorized transactions * Reimbursement of the disputed charges * Documentation supporting how these transactions were deemed legitimate Venmo has failed to properly investigate clear indicators of fraud, and I am seeking resolution through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or about XX/XX/year> i attempted to wire money from Wells Fargo Bank checking account to my Bank in XXXX XXXX. Unfortunately, Wells Fargo Bank is INTERNATIONALLY blocking my transaction so they can make extra income on charging me fees if I use my debit or credit card. On or about XX/XX/year> I wired money to an individual twice as much as I am wiring myself and that transaction went through smoothly with no problems. Wells Fargo bank is alleging that they can not complete the wire transfer due to regulatory issues, however they did not say that when I wired money to someone on or about XX/XX/year>. Wells Fargo bank is putting mr in severe harm to benefit themselves financially.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Lamentably, I had a XXXX poor experience with Apple Card customer support. In XX/XX/year>, I had to dispute a transaction in the past that was later found to be fraudulent. I had all the proof of the transaction being fraudulent, and Apple Card open a dispute, and even resolve the dispute in my favor. However, and perhaps out of spite, Apple Card to buy Goldman Sachs then close my account, leaving me to go XXXX XXXX XXXX XXXX myself. What makes this worse, is that they never credited the disputed amount on my billing statement, despite repeated attempts to contact their customer service and resolve this issue. Unfortunately this is now the second time that I am here and having to reach out to Apple Card via CFPB.

Company response to consumer: Closed with explanation