vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They constantly keep calling me at least XXXX times a day after I communicated with them to not be so excessive with the calls. That ignored my request and continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
In XXXX my XXXX was seen at an XXXX. We had XXXX. It was covered. The contracting doctor didn't attempt to bill medicaid until XXXX months later. XXXX was occurring and there were several laws in place protecting people. This was still reported to my credit. I had to go through hoops to get it removed. XXXX and the collectors at that time communicated in a threeway call and explained that the XXXX failed to XXXX in time and waited too long. The doctor then tried to seek me to pay for my XXXX XXXX bill but it was covered and then eventually removed and successfully disputed. Suddenly now, years and years later, it was able to be resubmitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CA

Complaint narrative:
Transaction Date : XX/XX/year> Amount : {$3000.00} Merchant : XXXX Issue : Fraudulent impersonation + fake refund confirmation Result : No refund received I am filing this complaint regarding American Expresss failure to properly handle a fraudulent scam transaction. On XX/XX/year>, I was charged {$3000.00} by a merchant identified as XXXX. This transaction was part of what I believed to be a legitimate airline booking. However, after the charge, I was subjected to a coordinated scam involving impersonation and fraudulent misrepresentation. Shortly after the transaction, I received a refund confirmation email that appeared to be from a legitimate airline. The email stated that a full refund had been initiated and would take approximately XXXX business days to process. This communication used misleading branding, a non-official email domain, and fabricated refund details to create the appearance of legitimacy. Relying on this information in good faith, I waited for the refund while actively following up with the merchant. During this period, I repeatedly contacted the merchant by phone and was consistently told that the refund was being processed. These repeated assurances were part of a deliberate effort to delay action and prevent timely escalation. I later discovered that this was a fraudulent scheme. The email sender was not affiliated with any legitimate airline, the refund confirmation was fabricated, and no refund was ever issued. The email address used for the refund confirmation is now non-functional, while the same organization continues to respond by phone and provide misleading information, further confirming the scam. This case is not a simple billing dispute or an unauthorized transaction. It is a case of fraud through impersonation and intentional misrepresentation after the transaction, designed to deceive the cardholder and delay corrective action. Despite being provided with documentation of the fraudulent email, the impersonation, and the absence of any refund, American Express has refused to treat this case as fraud. Instead, they have incorrectly classified it as an authorized transaction and denied the claim without properly addressing the fraudulent conduct. I respectfully request that American Express reclassify this case as fraud, reopen the investigation, and apply appropriate consumer protection standards for scam transactions involving deception and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bayview Solutions LLC
State: CO

Complaint narrative:
Bay View Solutions LLC has been contacting my Old employer and using all kind of fake phone numbers leaving messages that they need to talk to me on some important business. Further, they accessed myXX/XX/XXXX credit profile and was notified byXX/XX/XXXX monitoring services. I do not owe any debt with this company that can be collected legally without breaching the Statute Of Limitation, In Colorado beingXX/XX/XXXX years and in my case all old debt has exceeded and are past the XX/XX/XXXX year mark. This behavior will not be accepted and condoned and i intend to take all legal remedies against this shady Collection Agency and any of their minions. They have no legal standing to have access to my credit profile and under the FDCPA are engaged in criminal and hostile behavior which is highly detrimental to my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
am filing a complaint regarding a travel credit associated with my Capital One XXXX credit card. At the time I opened the account, I contacted Capital One on XXXX separate occasions and was explicitly told that my travel credit would not expire. I relied on this information. Due to significant personal hardship, including XXXX and the passing of my boyfriend, I was unable to use the credit immediately. When I recently attempted to use the {$250.00} travel credit for a trip to XXXX, I discovered that it had expired without any notice or reminder. I contacted Capital One customer service and spoke with a supervisor. The supervisor did not demonstrate empathy or provide meaningful assistance. I was told, I will submit a complaint, but this is all you can do. There is nothing else that can be done regarding this matter. The supervisor also refused to review call recordings, and there were extended periods of silence during the call where no guidance was provided. At XXXX point, I believed the call had been disconnected. When I asked how to escalate the issue further, I was told there were no additional escalation options available. I understand that policies exist ; however, I believe customers should be treated with fairness, clarity, and a reasonable level of careespecially when they have relied on information provided directly by company representatives. In this case, I did exactly that and was negatively impacted. No reasonable customer would knowingly allow a {$250.00} travel credit to expire. If I had been correctly informed that the credit had an expiration date, I would have used it. I relied on incorrect information provided by Capital One representatives and have now suffered financial loss as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am submitting this complaint against Sunrise Credit Services , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( failure to validate a disputed debt ) and 15 U.S.C. 1692e ( 8 ) ( continued credit reporting of a known disputed debt ). Alleged Debt : Original Creditor : XXXX XXXX XXXX XXXX | Alleged Balance : {$2000.00} | XXXX Account # : XXXX | XXXX Account # : XXXX | Collection Opened : XX/XX/XXXX | Reporting On : XXXX, XXXX, and XXXX What Happened : Within the past XXXX to XXXX weeks, I sent a formal written debt validation request to Sunrise Credit Services , Inc. via certified mail, invoking my rights under 15 U.S.C. 1692g and formally disputing this debt in writing. As of the date of this complaint, Sunrise Credit Services , Inc. has not responded in any form and has provided zero validation of this debt. Despite this, they continue to actively report this unvalidated, disputed debt to XXXX XXXX and XXXX, with the balance showing as most recently updated on XX/XX/XXXX. Under 15 U.S.C. 1692e ( 8 ), it is an unlawful and deceptive practice to communicate credit information about a debt when the debt collector knows or should know that the information is disputed. Sunrise Credit Services , Inc. received my written dispute and has continued to report this debt to credit bureaus without providing any validation a willful violation of federal consumer protection law that is actively harming my credit profile and financial standing. Sunrise Credit Services , Inc. has specifically failed to provide : ( 1 ) the name and address of the original creditor ; ( 2 ) a copy of the original signed credit agreement bearing my signature; ( 3 ) a complete itemized account history showing exactly how the alleged balance of {$2000.00} was calculated, including all fees, interest, and charges ; ( 4 ) documentation establishing the full chain of ownership and their legal authority to collect this debt ; ( 5 ) proof that this debt is not time-barred under Florida 's applicable statute of limitations ( Fla. Stat . 95.11 ) ; and ( 6 ) proof of their current license to collect debts in the state of Florida. I am requesting the CFPB investigate Sunrise Credit Services , Inc. for their failure to comply with 15 U.S.C. 1692g, for continued credit bureau reporting of a disputed and unvalidated debt in violation of 15 U.S.C. 1692e ( 8 ), and for failure to cease collection activity upon receipt of a written dispute.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Company Name : Chime Financial , Inc. Product : Checking or Savings Account Issue : Promotional/Advertising Issue / Bonus Not Honored Complaint : I am filing a complaint against Chime regarding a promotional bonus that was explicitly confirmed to me by their support team but is now being denied. Before completing the required qualifying direct deposit, I contacted Chime customer support to confirm my eligibility for a {$200.00} promotional bonus. During this interaction, I was clearly told that I met all requirements and would receive the bonus within XXXX business days after my qualifying direct deposit. I have written proof ( screenshot ) of this confirmation. Relying on this information, I proceeded with the qualifying direct deposit. However, after completing the requirement, I was informed that I do not qualify due to a XXXX timing restriction in the terms. This directly contradicts the information provided to me by Chimes support representative. I made my financial decision based on their explicit confirmation, and I would have acted differently had I been correctly informed. I believe this constitutes misleading and inconsistent information provided by the company, resulting in financial harm and loss of the promised promotional benefit. I am requesting that Chime honor the {$200.00} promotional bonus as originally confirmed by their support team, or provide a reasonable resolution for the misinformation provided. I am happy to provide screenshots of the communication confirming my eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint against LVNV Funding , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( failure to validate a disputed debt ) and 15 U.S.C. 1692e ( 8 ) ( continued credit reporting of a known disputed debt ). Alleged Debt : Original Creditor : XXXX XXXX XXXX XXXX. | Alleged Balance : {$730.00} | XXXX Account # : XXXX | Equifax Account # : XXXX | Collection Opened : XX/XX/XXXX | Reporting On : XXXX XXXX XXXX XXXX What Happened : Within the past XXXX to XXXX weeks, I sent a formal written debt validation request to LVNV Funding , LLC via certified mail, invoking my rights under 15 U.S.C. 1692g and formally disputing this debt in writing. As of the date of this complaint, LVNV Funding , LLC has not responded in any form and has provided XXXX validation of this debt. Despite this, they continue to actively report this unvalidated, disputed debt to XXXX XXXX XXXX XXXX, with the balance showing as most recently updated on XX/XX/XXXX. Under 15 U.S.C. 1692e ( 8 ), it is an unlawful and deceptive practice to communicate credit information about a debt when the debt collector knows or should know that the information is disputed. LVNV Funding , LLC received my written dispute and has continued to report this debt to credit bureaus without providing any validation a willful violation of federal consumer protection law that is actively harming my credit profile and financial standing. LVNV Funding , LLC has specifically failed to provide : ( 1 ) the name and address of the original creditor ; ( 2 ) a copy of the original signed credit agreement bearing my signature; ( 3 ) a complete itemized account history showing exactly how the alleged balance of {$730.00} was calculated, including all fees, interest, and charges ; ( 4 ) documentation establishing the full chain of ownership and their legal authority to collect this debt ; ( 5 ) proof that this debt is not time-barred under Florida 's applicable statute of limitations ( Fla. Stat . 95.11 ) ; and ( 6 ) proof of their current license to collect debts in the state of Florida. I am requesting the CFPB investigate LVNV Funding , LLC for their failure to comply with 15 U.S.C. 1692g, for continued credit bureau reporting of a disputed and unvalidated debt in violation of 15 U.S.C. 1692e ( 8 ), and for failure to cease collection activity upon receipt of a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I created a new savings account at Etrade based on a cash offer bonus promotion they were running at the time. As I was setting up the account and linking my external savings account so that I could transfer the appropriate amount of money ( {$50000.00} ) which qualified me for a {$500.00} bonus, I called Etrade customer service within a few minutes of setting up the account to verify I would be eligible for the bonus as I did not see where to enter the promocXX/XX/XXXXe. I was told I had not entered the cXX/XX/XXXXe but the customer service rep told me I was all set as she was able to have the cXX/XX/XXXXe added to my account. After the required period had passed ( several months ) for funding the account I noticed I had not received the advertised bonus. On XX/XX/XXXX I called to ask where my bonus is and they proceed to tell me that on the day I had originally called XX/XX/XXXX the see customer service rep put in a request to add the cXX/XX/XXXXe but it was denied by the " back office '' she apparently put in a second request on my behalf without me knowing and it was denied a second time. I was not contacted by the customer service rep nor anyone else from Etrade to notify me that they would in fact not honor the promotion after the customer service rep had given me getting a verbal confirmation that my account qualified for the promotion on XX/XX/XXXX. I was told by the customer service rep I talked to on XXXX that there was nothing that could be done to get the bonus and that I could not elevate the situation to anyone higher in the company and that the " back room '' staff makes all the decisions about this and there is no way possible for me to talk to anyone in the " back room ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/scrub> 2026 I received a text from BMO Bank asking me if I attempted a purchase of {$4700.00} using debit card. I replied, " No ''. I noticed the transaction was pending and I immediately made contact with BMO customer service and inquired why the transaction was pending when I replied to their inquiry. A fraud claim was filed and my debit card was cancelled. On XX/XX/scrub> 2026, I noticed the provisional credit was reversed and immediately made contact with the bank institution. I was informed that the disputed amount was denied as their records indicated that I authorized the transaction. I demanded to speak to someone but was denied and instructed to send correspondence to XXXX. I filed a police report with the XXXX Police Department on XX/XX/year>2026 and responded to BMO 's correspondence. On XX/XX/year>2026 I sent correspondence to the email provided and made a request to reopen the investigation as I did NOT make this purchase and I have not provided my pin to anyone else. I also requested documentation supporting their decision. On XX/XX/year>2026 I sent the same request through the BMO mobile application to which I received a response on XX/XX/year>2026 stating that my request was denied. I did not make this purchase nor did I authorize anyone else to use my card.

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 2026-04-06 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I previously resolved a dispute with XXXX. My current complaint concerns new conduct that occurred afterward, not the matters resolved in that earlier dispute. After the prior matter was resolved, XXXX interfered with my ability to access and use funds in my mobile wallet while giving contradictory information about account status. The prior resolution did not authorize later interference with my account or access to funds. After that resolution, I experienced repeated problems accessing funds and using the account. On XX/XX/XXXX, repeated ATM withdrawal attempts failed. On XX/XX/XXXX, a XXXX XXXX attempt was denied with the message DEBIT NOT APPROVED CALL AUTHORIZER. I also experienced problems receiving money. On XX/XX/XXXX, a third party attempted to send me {$4600.00} through PayPal, but the payment was declined multiple times. At the same time, PayPal repeatedly represented that there were no holds, no restrictions, and no active limitations on my account. On an XX/XX/XXXX call, a PayPal representative stated there was no further hold or restriction and that I should be able to receive money. PayPals in-app assistant likewise indicated there were no limitations preventing the sender from sending funds. Those statements were contradicted by PayPals own records. In the PayPal Assistant transcript, the sender was told the payment to me was declined and categorized as MERCHANDISE_RISK. PayPal also suggested using another method outside PayPal to complete the transfer. In other words, PayPal represented that no actionable limitations existed while its own systems were treating the transaction as risk-based and blocking ordinary access to funds. I requested a substantive written explanation of any post-resolution restrictions, holds, or merchant-risk flags, along with supporting records such as account notes, reason codes, limitation logs, and transaction-review records. PayPal did not provide a meaningful explanation or the requested records. I am submitting this complaint because PayPals later conduct interfered with my ability to access and receive funds in my mobile wallet while giving contradictory and misleading account-status information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
They reported in my XX/XX/XXXX account XXXX delinquent or missed payment that is not true my balance and my history showing that I always paid on time and I sent proof to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: AK

Complaint narrative:
They claimed low credit score, lack of credit history, I we were at the last stage. I paid out of pocket XXXX dollar s and lost out on 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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had purchased a gas grill and when I received the grill which I had delivered by XXXX it was the wrong grill. XXXX then instructed me that they would pick up the natural gas grill and deliver a propane grill which was the correct grill. I had contacted them letting them know that the original natural gas grill was still on my card and they said it would be removed in up to XX/XX/XXXX days. When it was not removed I contacted the creditor numerous times and told them the situation which they never fixed. The finally sold off the debt which was not for anything I owned. XXXX picked up the grill and never wrote they received it and left it on my credit. As a result I am no longer a XXXX customer and synchrony the creditor for XXXX essentially ruined my credit by closing accounts and dropping my credit score which was a good score. I had also asked Synchrony to look at my credit history with them which was that of XXXX years of no missed payments. I could not believe their inability to work with me and as a result I am not a customer of their company anymore either.

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