vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email stating that someone with an android device had access to my Cash App account. Immediately after I received an email stating that someone named XXXX XXXX had charged my Cash app account {$1900.00} and then immediately another email stating that XXXX XXXX received {$440.00} from my Cash app. I have contacted Cash app twice once on XX/XX/XXXX. I was told that I needed to wait XXXX days while they did an investigation and then I was told again on XXXX XXXX that I needed to wait another XXXX days as they processed my appeal today XX/XX/XXXX. I have received an email stating that they found that I was responsible for the charges, that I had my device in my possession at the entire time and I tried to call to find out about any supporting documentation as they told me thats what I needed to do and now Im told that I need to file another petition and wait another XXXX days. They are kicking the can down XXXX XXXX because after XXXX days I am not allowed to appeal these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a formal debt validation request via Certified Mail to Midland Credit Management regarding a XXXX XXXX XXXX credit card debt ( originally issued by XXXX XXXX. ), after receiving a pre-legal notice from them dated XX/XX/XXXX. XXXX received my letter on XX/XX/XXXX and responded on XX/XX/XXXX. In my validation request I specifically asked for an itemized breakdown of the debt showing principal, interest, and fees separately. I also have a letter from XXXX XXXX. dated XX/XX/XXXX, which explicitly states that at the time the debt was sold to Midland Credit Management, the balance consisted of : Principal : {$11000.00}, Interest : {$900.00}, Fees : {$250.00}, Total : {$12000.00}. However, XXXX 's validation response lists the entire {$12000.00} as XXXX XXXX ' with {$0.00} for interest and {$0.00} for fees. This misrepresents the character of the debt by relabeling {$1100.00} in interest and fees as principal, in violation of XXXX XXXX. XXXX of the FDCPA, which prohibits false or misleading representations regarding the character of a debt. Additionally, XXXX 's validation response failed to provide : a copy of the original signed credit agreement, a bill of sale or assignment document, any documentation regarding a formal hardship payment arrangement that existed on this account with XXXX ( under which my XXXX had been set to 0 % and a fixed monthly payment program of {$200.00} was established, as confirmed by XXXX statements ), and a complete transaction history the transaction table provided was entirely blank. I am requesting that the CFPB investigate this matter and require Midland Credit Management to provide a corrected, accurate validation that properly characterizes the principal, interest, and fees separately, and addresses the existing hardship arrangement documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the second complaint regarding the ongoing and unacceptable conduct of an employee at Wells Fargo branch at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX On Monday, XX/XX/year>, I returned to the bank to withdraw {$600.00} in cash from my business account. Once again, XXXX the supervisor refused to allow me to withdraw {$600.00}. Despite the fact that the XXXX XXXX cashiers check in the amount of XXXX which was deposited on Thursday, XX/XX/year> and was questioned by XXXX- has now fully cleared my account, XXXX refused to allow me to withdraw {$600.00} as she continued to claim that the cashiers check is not valid. To confirm the status of the funds, I contacted the Wells Fargo business customer service line and I was explicitly informed by a representative that the cashiers check has cleared, and that the funds are fully available in my account. The situation is completely unacceptable. There is no justification for denying a customer access to cleared and available funds- especially after confirmation from the business banking department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NQM Funding, LLC
State: CA

Complaint narrative:
After weeks of tracking this down with XXXX, I went back to the owner, XXXX, to handle the refund that was automatically paid by my insurance company when the servicer ( XXXX ) missed it. XXXX never responded to my request with the proper information. XXXX said they would handle it, and now it is with XXXX, who did reach out on XX/XX/XXXX and knew nothing about this issue. XXXX said they would follow up on XX/XX/XXXX, and they did not. On XX/XX/XXXX, I was sent an email telling me it was handled per our conversation, and it was not. I emailed them back and left a message, and to date, there has been no response. I also sent a lengthy email asking for a point person to navigate this because the {$1200.00} for the insurance was sent to XXXX prior, with the proof of payment, so this wasn't paid twice. TO DATE NO ONE FROM XXXX HAS REACHED OUT TO ME IN ALMOST XXXX WEEKS. I also have a question about the ownership and access to my files, as they have said they are not the owner, but XXXX disclosed that they are. If they are not the owner, then why do they have access to my loan, and why are they continuing to work on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a customer for XXXX years with this company. I have always paid on time and never had any fees or interest charges. My account has always been set up on autopay to debit the full amount monthly from my cash bank account. Due to some kind of technical error, not an issue with lack of funds, one month my account incurred finance charges. This was not clear to me, it was not made clear on my online portal and I continued with my usual monthly autopay. Unknown to me, this finance charge does not get included in your monthly balance when the autopay is applied. Instead it trails behind the autopay, compounding interest on the fees on top of your monthly balance. When I enquired, the company said that the autopay feature defaults to paying a statement balance, not the full account balance. This intentional default, means that many people can get stuck in this situation unknown to them until they see the year end statement with the large fees and interest. This practice needs to be stopped. Clients that do not want or need loan or pay later services should not be defaulted into finance charges that can build without their knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a promotion attached to my credit card account for which I receive {$160.00} statement credit per month if I make purchases exceeding XXXX XXXX per month in Gas+Groceries+Restaurants categories. On checking the credit card 's own merchant code categorization of my expenses that I made for the month of XXXX, I have exceeded this amount by a lot. However, I still got only {$80.00} credit instead of {$160.00} - that does not seem correct. On asking the company to check this manually and fix this, they refused saying they have no way to manually check it - that is not possible since the credit card shows me, the consumer, the categories it used to code my charges. A statement credit of {$80.00} should be made on my account as per their own reward rules. I have been using this credit regularly and it gets posted right on time every month with no issue except for the month of 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 monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
In and around XX/XX/year> i went with my XXXX XXXX XXXX to my bank ( us Bank ) and deposited a check in the amount of $ {$18000.00} which was in my XXXX XXXX 's name the teller had both us show id 's and sign the check. XXXX had to sign over the check because she didn't have a bank account at the time, we both signed the check and i gave her my debit card so she could spend the money however she wanted now i get letters in the mail claiming that it was fraud and i owe that monies. Us bank is committing fraud wanting the money back im an XXXX XXXX and don't want this on my records how can this bank fraudently do this to someone?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ZWICKER & ASSOCIATES
State: MO

Complaint narrative:
I'm trying to request a debt validation over an e-mail, but I couldn't find an e-mail address or a contact form on their website. Is there an e-mail address where I can contact you? I'm also requesting a debt validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX. Zwicker & Associates, P.C. XXXX XXXX XXXX. XXXX, MA XXXX RE : Account # XXXX Dear Zwicker & Associates, P.C. To Whom It May Concern '', I am writing in response to communication dated XXXX XXXX regarding a debt you are attempting to collect. I do not believe I owe this debt or the amount you claim. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally disputing this debt and requesting validation. Please provide the following information : The name and address of the original creditor. The original account number and the amount currently owed. An itemized breakdown of the total debt, showing the original balance and any interest or fees added. A copy of the original contract or agreement bearing my signature. Proof of your authority to collect this debt, including your debt collection license number for my state. The date of the last payment made on this account and the date it became delinquent. Please treat this debt as disputed. If you have already reported this to any credit reporting agencies, you must immediately notify them that the debt is being disputed. I look forward to receiving your response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am submitting this complaint regarding a business credit card account with Bank of America. On or around XX/XX/year>, a payment became due on the account. I attempted to make payments to bring the account current on XX/XX/year>, but my payments were rejected by Bank of America without explanation. Following the rejected payments, I contacted Bank of America by phone on multiple occasions to obtain the correct balance and complete payment, but I was unable to do so. During these calls, I was not provided a clear payoff amount and was unable to successfully resolve the account. I then sent a certified letter requesting the final payoff balance and instructions for closing the account. I did not receive a response. After this, I received a letter from Bank of America stating that the account was being closed and instructing me to destroy the credit card and any associated checks. However, the letter did not include the payoff balance. Most recently, I received a billing statement showing a balance of {$240.00} and requesting payment, despite the account being closed and no final payoff amount having been provided. I am attempting in good faith to resolve this account and make payment, but I can not do so without accurate balance information and a valid method of payment, as my previous payment attempts were rejected. I am requesting that Bank of America : Provide the exact payoff balance for the account. Provide clear instructions on how to submit payment. Confirm that the account is properly closed once payment is made. Ensure accurate credit reporting while this issue is being resolved. I have made multiple attempts to resolve this matter, but have not been given the necessary information to complete payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have sent several certified letters to Chase with NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJU is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJU is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
1. For the CFPB ( Consumer Financial Protection Bureau ) Focus : The illegal repossession, financial accounting fraud, and credit harassment. Description of Complaint : I am filing this complaint against GM Financial for Wrongful XXXX and Deceptive Financial Practices. On XX/XX/year>, GM Financial repossessed my primary vehicle ( VIN ending XXXX ) despite a confirmed, non-contingent two-month payment extension granted by a manager in late XXXX. At the time of repossession, the vehicle was already under an approved XXXX XXXX buyback review ( Case # XXXX ). Following the repo, GM Financial Manager " XXXX '' issued a written XXXX " auction threat '' ( deadline XX/XX/year> ), willfully ignoring my XXXX legal right to cure and the XXXX pre-repo notice required for primary vehicles under Colorado HB 26-1261. I was coerced into paying $ XXXXwhich included a double-charged {$280.00} extension feejust to recover a vehicle GM had already admitted was a " XXXX. '' Since recovering the vehicle on XX/XX/year>, I have received six harassment calls daily ( 3 to myself, 3 to my fianc ) demanding unauthorized payment amounts ( {$540.00} ), despite a verbal agreement from management to pause the account during the buyback. GM utilized this illegal threat to extort a {$2400.00} payment to " continue '' a legally mandated Lemon Law repurchase. GM is now attempting to characterize this legally required repurchase as " goodwill '' to avoid paying {$2100.00} in documented incidental expenses and {$3000.00} in lost wages caused by their XXXX delay and refusal of contractually promised transportation. I am seeking an investigation into these willful violations of the Colorado Consumer Protection Act ( CCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I closed my capital one savings account. I was told I would receive a letter confirming the account closure. I still have not received that letter. I reached out to capital one multiple times seeking a resolution. I requested a document in my document center, an email, anything that I could obtain in a timely manner. They refused to offer any assistance other than generating a letter that would take 15-30 days to generate and another 7-10 to arrive via mail. They already failed to provide a letter via mail as promised so that option was not viable. I explained I needed this confirmation for underwriters in the process of buying a home. The only other option they offered was to write a letter to the office of their president, which I did today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a capital one venture card the term state that I am due a XXXX mile anniversary bonus. My anniversary fell in XX/XX/XXXX. XXXX I realized that I had not seen the deposit. I went to my online rewards history and confirmed I did not see it there either. I called Capital One on XX/XX/XXXX and they confirmed online rewards history is only viewable for XXXX days for customers. They directed me to my statement however we both saw that on the box where rewards should be there is an error listed about unable to generate the information. This box exists with detailed information on every other month of my statement. I asked for documentation to confirm the deposit. The agent said they would escalate it to someone who could retrieve that for me. XXXX called me on XX/XX/XXXX and said there is no documentation they can provide but they can see it. As a financial institution this is completely unacceptable and all I'm asking for is an accurate rewards history statement to verify this. Another option is for them to issue the XXXX points today in real time so that I can see the documentation. They have been unable to do either one of those solutions

Company response to consumer: Closed with explanation