vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I returned an XXXX to XXXX within the XXXX return window. The device was accepted by a XXXX retail store. Other devices returned the same day were properly credited, but this device was not. 

XXXX later resold the returned phone to another customer, yet failed to apply the required credit to my account. Instead, XXXX charged me the full device price and transferred the balance to a XXXX-party debt collector. 

I disputed the balance in writing and explained that the device had been returned and resold. Despite this, the debt collector continues to attempt to collect the balance and has stated the account will remain in collections. 

Charging a consumer for a device that was returned, recovered, and resold is improper billing. The balance exists only due to XXXX internal processing error, not because a valid debt is owed. 

I am requesting correction of the account, recall of the collection, and cessation of collection and credit reporting activity related to this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: NY

Complaint narrative:
I am filing a complaint regarding XXXX closure of my account and its decision to withhold my funds for up to 180 days without explanation. 

XXXX  permanently closed my account and stated that the matter is closed, refusing to provide any reason or allow me to submit identity verification or transaction documentation. I explicitly offered to provide full identification, proof of address, and transaction support, and this offer was declined. 

XXXX  has informed me that my funds will be held for up to 180 days, despite no indication of wrongdoing, no law enforcement involvement, and no opportunity to resolve or appeal the decision.

I am requesting : 1. Written confirmation of the exact date my funds will be released.

2. Confirmation that no additional holds, extensions, or forfeiture will occur.

3. Clarification of whether my funds are being held solely due to internal policy rather than any legal or regulatory requirement.

I am not requesting reinstatement of the account. I am requesting transparency and timely access to my own funds.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: FL

Complaint narrative:
On XX/XX/year> we received a text from Capital One that a charge of {$1600.00} was made on my credit card for XXXX XXXX. I responded that I did not make this charge and immediate called Capital One, filed a police report with XXXX XXXX, and contacted XXXX XXXX to report I did not make this purchase. Capital one removed the charge and sent me a letter on XX/XX/year> stating the charge was temporary removed and an investigation would occur. I pulled up the purchase of the tickets from XXXX XXXX from my email @ : XXXX. The charges were for 9 tickets made by XXXX XXXX with my mailing address. I looked up XXXX XXXX and found she had passed away on XX/XX/year> and lived in the XXXX Florida. 
On XX/XX/year> the charge was reapplied to my credit card as " Purchase Adjustment '' without a valid reason. When I called today ( just saw it today ), I was informed that after their investigation it was determined by the Credit Card company that I made this charge. I reiterated that I did not make this purchase, submitted a letter stating such and provided evidence of the ticket puchase in the name of XXXX XXXX and obiturary. I will go to the policy department this week to get a copy of the policy report and submit this too. Based on my conversation today, i do not feel this has been investigated properly by Capital One or feel that it will be resolved appropriately. I also reported this to XXXX today. I am closing my account with the credit card and paying all charges with the exception of the {$1600.00} because I do not want to do business with a credit card company that quickly handled this quickly ( less than 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
XX/XX/2025 at approximately XXXX I purchased a money order for {$750.00} to go to XXXX XXXX XXXX XXXX for my stepson 's group home. He is XXXX  and the money came from his XXXX. I didn't save the receipt. I handed the money order to someone at the group home program and they lost it. Western Union was able to look it up and see that it wasn't cashed out. Also they were able to retrieve the XXXX  digit number for me to ask for a refund because I hadn't kept the receipt. I was on the phone with them for over an hour with someone who worked at XXXX to get this information. Now Western Union wants me to somehow prove that I bought the money order from XXXX. The fact I was on the phone with a XXXX employee giving agent numbers etc. and then they found my money order 's receipt number should prove that I bought it at XXXX. Instead of issuing me a refund they want to call me and talk about all this. I don't want to talk to anyone. I want my refund. I was told after getting the XXXX digit number that all I would have to do is apply for the refund online and put in that number. I did that. I never received any refund. 

This was their email to me : Reference number : XXXX XXXX XXXX, Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

Please let me know a convenient time for us to call you to get some additional information, or please reply to this email within 48 hours with the following details : Please provide the money order stub with the barcode and the money order on it by replying to this email attaching a picture of it. This will work as proof of purchase.

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with us directly. 

Thanks for being a valued Western Union customer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by Comenity Bank for my CB/XXXX  credit card account. My account is currently open, paid, and in good standing, with a {$0.00} balance and no amount past due. Since resolving a temporary hardship in 2024, I have made consistent on-time payments and have maintained the account responsibly. 
Despite this, Comenity Bank continues to report multiple late payments, including severe delinquency statuses, which do not accurately reflect my current payment behavior and ongoing good-faith efforts. I am concerned that some of these late payment notations may be tied to servicing issues, billing timing, or internal processing errors, which Comenity Bank has previously been cited for in regulatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am disputing a {$2700.00} charge on my Synchrony PayPal Credit account for furniture that was refused at delivery due to visible damage. 

The merchandise was inspected with the delivery driver at the time of delivery as part of the merchants XXXX XXXX XXXX XXXX service. Visible dents, broken edges, and damage were observed, and delivery was refused at the door. This refusal is documented on the delivery receipt dated XX/XX/XXXX. I did not accept possession of the goods. 

The merchant acknowledged the damage in writing. Because delivery was refused, the merchandise was never accepted and is not in my possession. 

Synchrony Bank denied my dispute in a letter dated XX/XX/XXXX, stating that the merchant is willing to address the quality concern and instructing me to return the merchandise. This determination is incorrect because there is no merchandise in my possession to return. 

Synchrony misclassified this transaction as a post-delivery quality issue rather than a refused or non-delivered goods transaction. Under the Fair Credit Billing Act, charges for goods that are refused or not delivered constitute a billing error. 

I am not seeking an exchange, repair, store credit, or merchant-facilitated resolution. I am requesting a full refund, removal of all related interest and fees, and permanent correction of my 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 monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Using our checking account bill pay system, we accidentally submitted a payment on XX/XX/26 in the amount of {$41000.00} rather than the {$4100.00} that was due. We have called American Express many times ( as well as our bank ) to rectify this. We couldn't. So we had to move money into the checking account to cover the amount Amex kept trying to collect ( even though it wasn't owed ) and wait for the payment to be collected from our bank, to create a credit balance that was supposed to be automatically, promptly returned. We called Amex three different times between XX/XX/26 ( when Amex finally processed the {$41000.00} payment it was Not owed ) to request the refund of the {$36000.00} credit balance. Each time, we were told that a wire transfer would be issued and that we would receive our funds within 24-48 hours. Today for the first time, when I called again for the 4th time, I was told by Amex customer service that a wire could Not be done because of the amount of money. So we've been waiting for 2 weeks expecting our funds and only learned today that Nothing has been done to return our money, the only way we can receive our money is via check ( which we were trying to avoid due to mail/check theft/fraud concerns ) and that further research is needed in order for our money to be returned. Amex has refused our requests for interest on the funds they are withholding, and for reimbursement for the anticipated bounced check/bank fees that will be assessed because they have not refunded us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This is reporting on my credit negatively it was never validated and I never signed any contractual agreements releasing any personal information or medical records to a XXXX party company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I applied for a School Misconduct Discharge for my private student loans related to my enrollment at XXXX University and XXXX XXXX XXXX. The loans are serviced by MOHELA and owned by XXXX. 

In or around 2025, MOHELA and XXXX denied my application using internal denial reason codes ( 2, 4, 6, 7 ), but did not explain what those codes mean or what specific criteria were used to evaluate my application. The denial letter also states that the decision is not legally binding and that I may pursue legal remedies. 

MOHELA and XXXX did not provide : A clear explanation of the denial The standards or evidence required for approval Any appeal or reconsideration process After denying my application, MOHELA resumed billing and collection activity even though the debt is disputed and the application was submitted in good faith. 

Additionally, I previously submitted a XXXX XXXX application for my federal student loans related to XXXX University and XXXX XXXX XXXX and received written notice that my federal loans were approved for discharge under the Sweet v. XXXX settlement. MOHELA services both my federal and private loans, which increases the risk of account errors and improper servicing. 

I believe MOHELA has provided incomplete and misleading information, failed to properly service my account during and after the discharge review, and continued collection activity on a disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX purchase : {$120.00} Purchase date : XX/XX/XXXX Dispute filed : XX/XX/XXXX Payment method : Cash App Card XX/XX/XXXX I filed a dispute with Cash App regarding this transaction after the purchase failed to be refunded. 

XX/XX/XXXX XXXX XXXX attempted a refund, but Cash App did not release the funds to my account. 

XX/XX/XXXX XX/XX/XXXX I contacted Cash App support multiple times via chat, and each time was told the dispute was in progress with no posting date or resolution. 

XX/XX/XXXX I again contacted Cash App support. I was told the dispute was still in progress, and no timeline for resolution could be provided. 

XX/XX/XXXX XX/XX/XXXX Multiple follow-up calls with Cash App agents, all of whom : Repeated that the dispute was in progress Refused to escalate to a supervisor or provide a posting date Gave contradictory information about the refund status XX/XX/XXXX I was connected with a Cash App supervisor via chat. The supervisor logged my complaint but did not provide a refund posting date or immediate resolution. 

The refund has now been pending over 45 days, well past standard timelines, and the delay is entirely on Cash Apps side. Their repeated generic responses without providing an actionable solution are unacceptable. 

I am requesting : XXXX. Immediate release of the {$120.00} refund to my Cash App account XXXX. Written confirmation of the expected posting date from Cash App XXXX. Documentation of my XXXX day overdue refund and supervisor escalation in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX  service. My account has been suspended. I asked the service to close my account. They will not close my account unless I verifty my account by sending private information to them and refuse to simpy close my account. I am not comfortable sending them this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, a XXXX payment was sent from my Chase account for {$780.00} to XXXX XXXX XXXX XXXX after communicating with an individual who claimed they could sell me event tickets for the XXXX XXXX. The seller represented that legitimate tickets would be delivered/transferred immediately after payment. 

After the XXXX payment was sent, the seller stopped responding and no tickets were delivered. I have preserved screenshots of the communications, the sellers phone number, and the XXXX payment confirmation. 

I contacted Chase promptly XXXX hours and filed a Claim XXXX. I requested that Chase take immediate steps to attempt recovery through XXXX ( including a recall attempt if possible ) and to review the matter as fraud by deception/misrepresentation ( I authorized the payment only because of false representations ; I would not have sent the money otherwise ). 

Chase denied the claim, stating only that the payment was authorized and classifying it as a scam, but Chase did not provide any specific denial explanation or investigation details. There was no written denial rationale describing what evidence was reviewed, what steps were taken to attempt recovery, whether a XXXX recall was initiated, or whether the funds were still recoverable at the time I reported the incident. This lack of specificity prevents me from understanding the decision or whether Chase followed appropriate investigative and recovery steps. 

Desired resolution : I am requesting that Chase provide a documented reconsideration and written explanation, including : confirmation of whether a XXXX recall/recovery attempt was initiated and the result, the specific investigation steps taken and what information was reviewed, the exact policy basis for denying reimbursement when a payment is induced by deception and no goods/services are received, and reimbursement of my loss if recovery is possible or if Chases applicable policies/programs cover qualifying scam/imposter situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am disputing the above-referenced account reported by your company. This letter is not an admission of responsibility for the alleged debt.

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request full validation of this debt, including : 1. Proof that I am legally obligated to pay the alleged debt ; 2. A copy of any contract or agreement bearing my signature ; 3. A complete accounting of the balance claimed ; 4. Documentation establishing Midland Credit Managements authority to collect, including assignment or purchase records ; 5. The date the debt became delinquent. 

Until such validation is provided, you must cease all collection efforts and credit reporting. Failure to properly validate will require deletion of this account from all consumer reporting agencies. 

Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt appeared on my credit report prior to any communication causing an affect to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB Complaint : Capital One - Formal Allegation of UDAAP and Violation of CA FIN 1411 Subject : Illegal Account " Zombification, '' Violation of California Financial Code 1411, and Unfair Deceptive and Abusive Acts and Practices ( UDAAP ). 

XXXX. Illegal Account Retention ( The " Zombie '' Account ) : On XX/XX/year>, Capital One issued a formal notice ( attached ) stating my account was permanently closed. However, after this date, the bank unilaterally kept the account " administratively open '' to allow an incoming {$3600.00} debit from XXXX to post, while simultaneously blocking my access to {$7500.00} in cleared, fiduciary funds ( deposited via an attorney 's check ). Per CFPB Circular XXXX, keeping an account open to process debits after a closure notice is an " Unfair Act or Practice. '' XXXX. Violation of California Financial Code 1411 ( The Survival Minimum ) : Capital One exercised a " set-off '' by using my cleared funds to cover the XXXX  dispute. Under CA Financial Code 1411 ( b ), a bank is strictly prohibited from performing a set-off that results in a balance of less than {$1000.00}. Capital One seized 100 % of my funds, leaving me with a {$0.00} balance, knowing I was XXXX, XXXX, and experiencing homelessness. 

XXXX. Intentional Delay of Cleared Funds ( Reg CC ) : The {$7500.00} check was a fiduciary check from a law firm. Although the funds were cleared and verified, Capital One intentionally delayed issuing the remaining balance ( $ XXXX ) until XX/XX/XXXX. This delay was a " XXXX XXXX '' tactic to profit from the " float '' while I was physically collapsing from starvation and cold, as documented in my XXXX recorded calls to their managers. 

XXXX. Proximate Cause of Catastrophic Property Loss : Due to Capital Ones illegal withholding of my {$1000.00} survival minimum ( as required by CA law ), I was unable to pay my storage unit fees or secure housing. This directly resulted in the illegal auction of $ XXXX in personal property, including my late grandmothers ashes, handcrafted high-fashion inventory, and business tools ( embroidery/sewing machines ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On Friday, XX/XX/year>, while checking bags at the XXXX XXXX XXXX counter at XXXX ( XXXX ), a XXXX representative asked why I had a XXXX XXXX card and not a XXXX XXXX  card. The representative stated that by upgrading to the XXXX card I could receive additional benefits, including the ability to receive free flights for my wife. The representative explicitly described this as an upgrade that would replace my existing XXXX XXXX card. 

I was not informed that this would involve opening a new credit card account or a new line of credit. Based on the representation that this was an upgrade to my existing account, I agreed. 

I later discovered that a separate XXXX XXXX account was opened in addition to my existing XXXX XXXX account, resulting in an unintended credit application. 

On or around XX/XX/year>, I contacted American Express to report the issue. I was told an investigation had been opened. Since that time, I have received no proactive follow-up, no explanation of how the account was opened, no resolution timeline, and no written confirmation that fees or adverse credit reporting would be prevented. I have been required to initiate all follow-ups. 

During these contacts, I was told the issue was not American Expresss fault because the enrollment occurred through XXXX, despite American Express being the card issuer. 

I am requesting correction of this error, including closure of the account opened in error, remediation of any credit impact, and written confirmation that no fees or penalties will be assessed.

Company response to consumer: Closed with explanation