vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: CO

Complaint narrative:
I am filing a complaint regarding a dispute I opened with Capital One for a purchase that was not as described. I purchased a ceiling fan for {$290.00} on XX/XX/year>. The product listing at the time of purchase explicitly stated that the fan blades were real wood. I have a screenshot of this listing. After receiving the item, I discovered that the blades are plastic ( XX/XX/XXXX ), not real wood. The merchant later acknowledged in writing that an earlier version of the listing incorrectly stated that the blades were real wood and that this wording was inaccurate and has since been corrected. I attempted to resolve this directly with the merchant. However, they would only offer a partial refund unless I paid for international return shipping to XXXX, which is costly and impractical for a large item. They also instructed me to declare a false customs value on the return shipment, which I am not willing to do. I disputed the charge with Capital One under item not as described. However, the dispute was denied solely because I did not return the item. My concern is that the dispute was evaluated only on whether I returned the item, rather than the fact that the merchant admitted the product listing was inaccurate at the time of purchase. Additionally, the return conditions are unreasonable due to international shipping requirements and improper customs instructions. I am requesting that Capital One review this case again and properly consider the misrepresentation of the product and the sellers written admission of the inaccurate listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am filing a complaint regarding a credit card dispute that was improperly denied despite clear evidence of defective merchandise and merchant failure to honor a warranty. On XX/XX/XXXX, I purchased an electric e-bike through from a third-party seller,, in the amount of {$720.00}. The product included a one-year warranty. Several months after purchase, the product developed a serious defect. The e-bike began experiencing sudden and complete power loss during operation while being ridden by my XXXX son. This creates a significant safety hazard and renders the product unsafe for normal use. I made extensive good-faith efforts to resolve the issue directly with the seller over the course of more than one month. I provided photos, detailed descriptions, and followed all reasonable troubleshooting requests. Despite this : The seller failed to repair, replace, or refund the product A replacement part was promised but never delivered The seller repeatedly delayed resolution by requesting duplicate information The seller made an unreasonable and unsafe request that my minor child record a video while riding the defective e-bike to demonstrate the issue The seller ultimately denied the warranty claim without evidence, incorrectly labeling the issue as accidental damage After the seller refused to resolve the issue, I filed a dispute with my credit card issuer,. Chase denied my dispute, stating that no billing error occurred and referencing a 120-day dispute window from the transaction date. This decision is incorrect and does not align with applicable dispute standards. This dispute is based on defective merchandise and failure to honor a warranty. The product initially functioned but later developed a progressively worsening defect that became unsafe in XXXX XXXX. Additionally, I was actively working with the merchant during this period in an attempt to resolve the issue. The dispute timeframe should be calculated from : The date the defect became substantial and unsafe, and The date the merchant failed to provide a remedy By denying the dispute based solely on the original transaction date, Chase failed to properly consider the nature of the defect, the ongoing merchant interactions, and the sellers refusal to honor the warranty. I am requesting that Chase : Reopen and properly investigate this dispute under defective merchandise and failure to honor warranty Issue a permanent credit for the transaction amount of {$720.00} Additionally, I request that this matter be reviewed for compliance with consumer protection standards, as I made reasonable efforts to resolve the issue and was left with a defective and unsafe product. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I have never received any information regarding this alleged debt. The only reason I know about it is because it's on my credit reports. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state rules. I demand to be sent a copy of the purchase agreement or assignment letter/agreement. I also demand to be sent proof they gave me notice by providing a copy of the certified green receipt and/or shipping number. Lastly, I demand this agency to cease and desist all collection and communication efforts, this includes credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I checked my credit report and noticed XXXX types of collection from Monterey Collections. I was not aware of this debit as they did not attempt to provide any written information about the debt. The following was requested. They did respond with haphazard copies of some of the documents. But no proof that they had tried to inform me of the debt. Copy of the original contract or agreement Proof you signed the timeshare agreement Itemized statement of the charges Payment history How the balance increased from the original amount Explanation of interest, fees, penalties Proof They Can Collect the Debt Proof Monterey Collection Services owns the debt or Assignment/transfer agreement from XXXX XXXX XXXX XXXX XXXX Chain of title of the debt ( who owned it before them ) Proof They Notified You Before Reporting to Credit Copies of any letters they sent you Dates letters were mailed Address they mailed notices to Proof of mailing Record of phone calls or contact attempts Date they first contacted you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I have been trying since XXXX to obtain a hardship modification to my loan. We were scammed by a refinance company and lost XXXX which we were told by them we wouldnt have to pay towards the mortgage because we could skip a month. I asked rocket if we could put a payment to the back of the loan. They said no, fill out the hardship application and we will see what you qualify for. I have email proof that I have sent in all the documentation requested multiple times. They dont give any way to sign things other than printing them out and scanning them back in. My husband and I have had to use a paint program to sign things and screenshot it, or an online program like Docusign personal because I dont have access to a printer. After weeks of waiting they said the first things I turned in weren't dated so I'd have to start over. It was dated I kept a copy. Turned that in again. Then they asked for more paystubs. Now they are saying, for the 3rd time, that my husband didn't sign and date the paper when he did. Also they want paystubs, again. I will continue to be late every month until they figure this out as I am a month behind. Also throughout the whole process I've received daily phone calls asking when I'm going to make my payment. Several agents I've called and spoke with have asked if I'm sure I want to keep my house. I've been given the suggestion to look at cashing in my XXXX or any assets I have instead because Rocket isn't going to help me. I'm just asking for one payment to be put to the back of the loan. It's also really concerning how much of my personal information gets " lost ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Saxton Mortgage, LLC
State: NH

Complaint narrative:
My first encounter with Saxton Mortgage was back on XX/XX/year>. I received there Refinance Filer in the mail showing they could get my loan down to 4.625 % with a APR of 4.825 %. Great, I sent in all of the required documents, they pulled my credit report and I received confirmation that my loan was off to underwriting. I received the Contract and questioned some of there fees. The manager XXXX XXXX offered a few waived fees which would have dropped some of my expense. Again AMAZING. I put up the Appraisal funds {$680.00} and have been waiting ever since. I received a second Notice from Saxton Mortgage in XXXX with the same interest rate ; I texted and called to find out what was going on with my original application. The person I spoke with said my loan had been approved and would send a message off to the supervisor. Still waiting. I received an email from someone named XXXX, again no real help. XX/XX/year> I just received my third notice from Saxton Mortgage now saying they can put me into a 3 year fixed rate of 3,875 % APR is 4.211.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I am writing to formally request an investigation into the Sequium Asset Solutions LLC account reporting on my credit file ( Account No : XXXX ), with the original creditor listed as XXXX XXXX XXXX XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including the account balance, payment history, dates of delinquency, and any remarks currently being reported. I also request disclosure of the method of verification used to confirm the accuracy of this account, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), please provide documentation supporting your authority to collect on this alleged debt, including proof of assignment or ownership, as well as evidence that I was properly notified of this debt in accordance with 15 U.S.C. 1692g. I am also requesting copies of any notices allegedly sent to me regarding this account. If this account can not be verified as accurate, complete, and compliant with the above-referenced laws within the investigation period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( 30 days ), I request that it be corrected or removed from my credit report accordingly. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I have never received any information regarding this alleged debt. The only reason I know about it is because it's on my credit reports. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state statutes, this includes the Fair Credit Extension Uniformity Act ( FCEUA ) and the Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). I demand to be sent a copy of the purchase agreement or assignment letter/agreement. I also demand to be sent proof they gave me notice by providing a copy of the certified green receipt and/or shipping number. Lastly, I demand this agency to cease and desist all collection and communication efforts, this includes credit reporting.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> my cash app account was taken over a person logged into my account and sent themselves {$260.00} that was on the account. Then maxed out my afterpay to which I now owe {$510.00} by turning my past purchases into afterpays that includes interest. Ive called and texted support disputed multiple times and nothing has been done or resolved. Tried to explain the after pay situation and was told to wait XXXX days. Its been well over XXXX days and still nothing has been resolved. So as of right now Im out almost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I am an original Class Member in the XXXX XXXX XXXX ( now XXXX XXXX XXXX ) federal settlement ( App # XXXX ). I attended XXXX University ( an Exhibit C school ) and was granted Full Settlement Relief by the U.S. Dept. of Education on XX/XX/XXXX. My discharge was legally mandated to be completed by XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX ( Heartland XXXX ) is in direct violation of this court order and continues to bill me for a debt that should be a {$0.00} balance. On XX/XX/XXXX, I attempted to provide XXXX formal legal notice of my status and proof of my pending Direct Loan Consolidation. XXXX " Client Support '' responded by refusing to accept written legal notice, falsely claiming they do not permit email communication with borrowers. This is a bad-faith tactic to avoid their legal obligations under the settlement and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Validation of Debt Request - UNITED REVENUE - 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I opened a SoFi Unlimited XXXX XXXX XXXX XXXX XXXX Card under terms that did not include any recurring monthly or annual fee. On or around XX/XX/year>, and XX/XX/year>, SoFi states that they sent notifications regarding a change to the cards terms. The new terms introduced a $ XXXX XXXXonthly fee, which became effective on XX/XX/year>. After becoming aware of this change, I contacted SoFi customer support via chat to understand my options. During this interaction, I was given inconsistent and contradictory information. At one point, I was told that the card does not have annual, maintenance, or inactivity fees, while also being informed that a XXXX XXXX monthly fee now applies. This was confusing, as a recurring monthly fee represents an ongoing charge similar in nature to an annual fee. I asked what options were available to avoid the new fee while keeping my account open. I specifically inquired about : Downgrading to a no-fee product Waiving or removing the monthly fee Customer support informed me that no such options were available and that the only way to avoid the fee would be to close the account. During the same interaction, I was initially told that I could open a new SoFi credit card and then close my existing account. However, this information was later corrected, and I was informed that if I close my current credit card account, I would not be able to open another SoFi credit card in the future. I requested a copy of the chat transcript for my records, but was told that it would only be available within the mobile app and could not be emailed to me. My complaint was escalated internally, and I received a written response from a SoFi Resolution Specialist. In that response, SoFi confirmed : The XXXX XXXX XXXXonthly fee is now a permanent part of the cards terms and can not be waived There is no downgrade or alternative product available SoFi offers only one credit card product per member The only way to avoid the fee is to close the account If I close the account, I will not be able to reopen it or apply for another SoFi credit card in the future SoFi also provided a one-time credit of XXXX reward points ( approximately {$20.00} ), which does not meaningfully offset the ongoing monthly fee. As a result, I am left with the choice of either accepting a new recurring fee that was not part of the original terms, or closing my account, which would reduce my available credit and may negatively impact my credit profile. Additionally, closing the account would permanently prevent me from accessing SoFi credit card products in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NE

Complaint narrative:
I am disputing a debt being collected by Afni related to an alleged auto accident claim involving XXXX. I do not believe I am responsible for this debt and have requested validation, which has not been properly provided. The incident in question occurred on XX/XX/XXXX. Based on my understanding of the situation, I do not believe I was at fault in this accident, However, XXXX determined that it would not cover my expenses since there was no police report file, neither was there a witness. On XX/XX/XXXX, I received a letter from Afni stating that I may be liable for a damage claim in the amount of {$2900.00}. The letter did not include sufficient documentation providing that I am legally responsible for the claim. After receiving the communication, on XX/XX/XXXX, I sent a certified dispute letter requesting full validation of the debt, including documentation showing that I am legally liable. I have retained proof of this certified mailing. Despite this, I have not received proper validation or supporting documentation. Instead, Afni has continued collection efforts and sent additional communication indicating that the amount has increased and that further action may be taken. On XX/XX/XXXX, I received another letter from Afni stating that I may be liable for a damage claim in the amount of {$3000.00}. The letter did not include sufficient documentation proving that I am legally responsible for this claim. I am requesting that Afni provide full documentation supporting this claim, including evidence of liability, or cease all collection efforts in accordance with the fair XXXX XXXX Practices XXXX. I have attached copies of the letters received, my dispute letter, and proof of certified mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase for XXXX on XX/XX/XXXX. The purchase had XXXX months no interest if paid in full. I was short XXXX on my last payment on XXXX of XXXX and was charged XXXX in interest. I called the Citi and asked for a one time waive of the fee or reduced fee. they said it was company policy not to waive the interest fee.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with non-monetary relief