vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: OH

Complaint narrative:
I am filing this complaint against First National Collection Bureau , Inc. for repeated attempts to collect a debt from the wrong individual and for unlawful third-party disclosure of debt information. The company has contacted me multiple times via email regarding a debt that does not belong to me. I have received communications on or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently in XX/XX/XXXX. These communications were directed toward XXXX, XXXX XXXX, who is not me and with whom I have no financial or legal association. The most recent communication included detailed debt collection information, including : Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Amount Referenced : {$210.00} Settlement Offer : {$84.00} in 6 payments This information was disclosed to me despite the fact that I am not the debtor. This constitutes an unlawful third-party disclosure. Additionally, the repeated nature of these communications demonstrates a pattern of improper contact. The company has continued contacting me despite the fact that I am not the intended recipient, which constitutes harassment and improper collection practices. These actions violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692b and 1692c ( b ), which prohibit disclosure of debt information to third parties, as well as 15 U.S.C. 1692d regarding harassment. This conduct also violates the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), which prohibits debt collectors from communicating debt information to unauthorized third parties and from engaging in repeated improper contact. I am not the debtor, I have never had this account, and I have no responsibility for this debt. The companys actions demonstrate a failure to verify the correct party and a disregard for consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been a loyal cashapp user for 10 years and even have direct deposit through them. I was scammed by a dancer at a club on XX/XX/year> at XXXX XXXX. I was offered a VIP table with bottles and such for {$400.00} and upon sending the money the girl/employee walked away from me. And blocked my phone number and after I tried to argue with her to send me my money back she had me removed from the club. I have shown cash app what little texts I have. And have had 2 disputes denied. This is extremely messed up as previously stated I have been a loyal cashapp user for awhile and this is terrible that I have had to starve because they cant and wont do anything about my {$400.00}. Yeah maybe if I got what I paid for I would still be broke. But I am living that and didnt get anything but {$400.00} stolen from me!!???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a duplicate payment on my Bilt XXXX account after it transitioned to servicing by XXXX XXXX. During the transition, my statement balance from the prior billing cycle was paid, but an additional payment for the same balance was also processed. This appears to be caused by the migration from Bilts prior system to XXXX XXXX system, likely involving duplicated or overlapping autopay or statement handling. As a result, I was charged twice for the same statement balance. Both payments cleared from my bank account. I contacted XXXX XXXX customer service multiple times and requested a refund of the duplicate payment. However, my request was denied or not properly resolved. The bank has treated this as a normal payment rather than a billing error. This is a billing error under Regulation Z ( Truth in Lending Act ), as it involves a duplicate charge/payment for the same obligation. I am requesting a full refund of the duplicate payment back to my original funding account. I have attached supporting documentation showing : Two payments of the same amount Payment dates and bank debits Corresponding statement balance In addition to requesting a full refund of the duplicate payment, I am also requesting compensation for financial loss and time incurred due to this error, since this issue has also caused financial inconvenience and loss of use of funds for me Interest loss : The duplicate payment amount was unavailable to me for a period of time. I would have otherwise held these funds in a high-yield savings account earning interest. Time and effort : I have spent significant time contacting customer service, investigating the issue, and following up multiple times to resolve an error that was not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have had a mortgage serviced by Select Portfolio Servicing for approximately two years with a consistent on-time payment history. In XX/XX/2026, a payment became delinquent due to a bank account change, which resulted in a returned payment that I was not immediately aware of. Once I was notified, I brought the account current right away. This was my first and only late payment during the life of the loan. I contacted SPS and requested a goodwill adjustment given this was an isolated incident and the account is now current. SPS conducted a review but declined to make any adjustment. I am respectfully requesting that SPS reconsider this matter for a one-time goodwill exception due to my otherwise strong payment history and the circumstances surrounding this isolated event.

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: Chime Financial Inc
State: WA

Complaint narrative:
I use Chime and on XX/XX/XXXX at about XXXX I used an atm within target. I tried to take out {$200.00} to which it said the transaction couldnt be complete. When I woke up the next day I looked at my account and saw that the bank took out the {$200.00} XXXX put a dispute in which was denied I called the atm merchant and they confirmed that it shows the money didnt come out on their end. I called the bank and they reopened the dispute with and then refunded me the {$200.00}. Now they are saying the dispute is denied again and took the {$200.00} out. I asked for all paperwork showing why it was denied and upon looking at the paperwork it clearly shows that the money never came out of the atm. I tried talking to customer service and no one will help me and Ive tried asking to speak to someone higher up to which they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
On or about XX/XX/year>, I received a phone call from a representative of Transworld Systems Inc. regarding an alleged debt. I was not previously aware of any account being placed with collections by XXXXXXXX XXXX During the call, I informed the representative that I did not recognize the debt and did not feel comfortable discussing the matter over the phone. I requested that all information regarding the alleged debt be provided to me in writing for verification. The representative became unprofessional in tone during the conversation. I reiterated that I do not trust verbal communications regarding financial matters and that I would only review written documentation. At this time, I dispute the validity of the alleged debt and have not received any written notice or validation, including the amount owed, the original account information, or proof that Transworld Systems Inc. is authorized to collect on behalf of XXXX XXXX. I am requesting that the company provide proper written validation of the debt and cease telephone communications until such validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute related to a returned purchase that was never refunded. On XX/XX/year>, I purchased a winter coat from XXXX XXXX XXXX using PayPal Pay in 4. I received the item on XX/XX/year>, but it did not fit, so I initiated a return. I received a return label from the merchant on XX/XX/year>, and dropped the package in a XXXX drop box on XX/XX/year>. XXXX picked up the package ; however, tracking shows that it has remained at a XXXX facility since XX/XX/year>. On XX/XX/year>, I contacted the merchant to report that the return package had not moved. I was advised to contact XXXX directly. XXXX informed me that the package was considered lost and that a claim should be filed. On XX/XX/year>, the merchant confirmed they had opened a claim with FedEx and that resolution could take several weeks. Due to the lack of resolution, I opened a dispute with PayPal on XX/XX/year>. PayPal closed the case in the sellers favor, stating that the item had been delivered to me, without considering that the item had been returned and lost in transit. On XX/XX/year>, the merchant confirmed in writing that I was due a full refund for the returned item. However, the merchant later reversed this position, stating that XXXX denied the claim for the lost package and that they would not be issuing a refund. This directly contradicts their prior written confirmation that a refund was owed. Despite providing this documentation to PayPal, including the merchants acknowledgment of the refund, PayPal failed to take this into consideration when reviewing my dispute. I contacted PayPal again on XX/XX/year>, and a second dispute was opened. On XX/XX/year>, PayPal again closed the dispute in the sellers favor, citing delivery of the item to me, and again failed to consider the return and the merchants acknowledgment of the refund owed. PayPal has failed to properly investigate the dispute, ignored relevant documentation, and denied my claim based solely on proof of initial delivery rather than the full transaction lifecycle, including the return and confirmed refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am unable to pay the requested amount. I have XXXX kids and no disposable income. Mohela is will not accept less that the minimum they want. This causes interest to increase at a rate in which you are paying more than the original loan. I will be forced to file bankruptcy. Additionally, they harassed my 83 year-old grandmother, causing her undue stress. I no longer talk to my mother 's side of the family due to student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received unemployment benefits XX/XX/year> from the XXXX XXXX XXXX that were deposited into an overdrawn account I could not update due to a system restriction. These are government benefit funds intended for basic living expenses. The bank applied the entire deposit toward an overdraft balance without providing any opportunity for me to access the funds. I am requesting a hardship review and refund of these protected funds, as this situation was beyond my control and has caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I call Village capital and informed them my refund for taxes paid to my county was refunded to the lender on XX/XX/XXXX and county confirm the check was cashed XX/XX/XXXX. VILLAGE CAPITAL uses a third party vendor to process property taxes and insurance payments, their name is XXXX. I have called XXXX XXXX and today XX/XX/XXXX. And this company refuses to let me speak to supervisor. They told me on XXXX separate calls and supervisor will call back. I spoke to a supervisor on XX/XX/XXXX, who said this property tax refund would be expedite to be resolved by XX/XX/XXXX. It didn't happen. Now I am being adversely affected because my payment is going up for a payment I already paid directly to my county assessor office. I provided the proof of payment directly to XXXX on XX/XX/XXXX via email and text message. They confirm property tax refund was cashed and would be XXXX to Village capital on XX/XX/XXXX but to this day nothing has been done. XX/XX/XXXX i spoke with customer service rep and asked for supervisor and she stated someone would call me back and that hasn't happened. Today I called twice demanding a supervisor and they state no one available and a callback is all they can do in XXXX to XXXXXX/XX/XXXX. This company has broken financial protection laws because they refuse to update my escrow for the refund they received back from county. Several customers rep transfer me to XX/XX/XXXX without tell me about the transfer. No dept want to take accountability for the missing refund and I done play phone tap. I want this company to fix my escrow account and update my payment.

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 when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year> I was noticing transactions on my card of {$35.00} being taken out for about XXXX or XXXX months. I had requested that the bank refund me the money that was being taken assuming it was the bank taking my money soon later I found out it was self builder credit account and the Bank assisted me with getting a refund and shutting down my account with self. I was then refunded on XX/XX/year> from self and then charged on XX/XX/XXXX of XXXX {$35.00} after the account was supposed to be shut down. I then got charged on XX/XX/year> and XX/XX/year>. I then went out of my way to contact self, and I have spoken to a lady named XXXX on Friday XXXX at XXXX of XXXX. I then was promised a full refund due to the fact my account was supposed to be shut down and I was supposed to wait XXXX days for an investigation to happen and then I got refunded {$13.00} not the full portion, which was supposed to be {$100.00} in which they took. I have been trying to contact self. I even sent a email and I have not gotten any response back every time I call the number says that it does not work.

Company response to consumer: Closed with explanation
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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported information on my credit report. I discovered that Sequium Asset Solutions is reporting a collection account on my credit file without proper authorization and without required notification. I am a victim of identity theft and have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). This account is fraudulent and was not authorized by me. I previously disputed this account and it was removed. However, it has since been reinserted onto my credit report without any notification, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA requirements, I should have been notified within 5 days of any reinsertion. I did not receive any such notification. Additionally, under FCRA Section 605B, once an Identity Theft Report is submitted, credit bureaus are required to block fraudulent information within 4 business days. This has not been properly followed. I am requesting the following : 1. Immediate removal of the Sequium Asset Solutions account from all credit reporting agencies 2. A full investigation into how this account was verified and reinserted 3. Documentation showing the method of verification used 4. Confirmation that this account will not be reinserted again without proper legal notification This inaccurate reporting is negatively impacting my credit and financial opportunities, and I am requesting prompt resolution. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
sent my wife {$2000.00} through XXXX on my jp morganatic chase account my wife never received the money, checked through her bank and her bank said they never received the transaction but showed " transaction failed '' then I got with my chase bank to see where the funds went but chase did not disclose where it went since it " completed '' and sent the payment but now nor her bank or my bank has the funds that went missing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On Monday, XX/XX/year> I contacted Money networks who is handling the disbursement of payments for the state of California Californias department unemployment department specifically for a XXXX. I have XXXX money that is in there. XXXX trying to pay my rent today was not able to pay my rent. Ive actually been trying for the last like XXXX days to transfer the money out of the account into another account and it is not allowing me to do so when I contacted them initially they told me that I could go to any ATM and get cash out theyre not sure why its not working even those inconvenience. I decided to go do it. They declined all of my transactions every ATM I went to several ATM XXXX XXXX XXXX and XXXX. I went indoors I went outdoors. I went all of the places I go and it was declined at every return when I called them back they said no theres no reason why it shouldnt be kind of like. I dont know why youre telling me this can I please talk to a supervisor with about XXXX minutes and let me talk to a supervisor supervisor says yet indeed your account has been flagged for fraud maybe maybe in XXXX hours it might be returned to me, but no guarantee theres nothing on the account. Ive utilized it for the grocery store for gas and a transfer into my other bank account and it is they are holding the funds ransom. I need my money. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding a disputed fee of {$530.00} charged by a debt settlement company. I requested to withdraw from the program on XX/XX/year>. Despite this request, a fee of {$530.00} was charged on XX/XX/year>. I have repeatedly requested documentation showing that I accepted the settlement associated with this fee, as well as clarification on the timing of my withdrawal request versus when the fee was applied. The company has not provided any documentation confirming my acceptance of the settlement tied to this charge. Instead, the company has repeatedly referred me to general terms in my enrollment agreement and has not addressed the specific timing or authorization of this fee. Additionally, my account was marked as graduated rather than withdrawn, despite my request to cancel the program. It required multiple calls to successfully process my withdrawal. The company also stated that a manager would contact me within 2472 hours, but no one has reached out and no documentation has been provided. Funds that were deposited into my dedicated account remained unused for an extended period and were not applied toward creditor payments before this fee was charged. I am requesting : - Documentation showing my acceptance of the settlement tied to this fee - A review of the timing of my withdrawal request and fee application - A refund of the {$530.00} fee if proper authorization can not be provided I believe this fee may have been applied without proper authorization and after I had already initiated my withdrawal from the program.

Company response to consumer: Closed with explanation