vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bilt Technologies, Inc.
State: CO

Complaint narrative:
Dates of Occurrence : XX/XX/year> XX/XX/year> Amount in Dispute : {$65.00} ( Processing Fee ) Transaction Total : $ XXXX ( {$1600.00} Rent + {$65.00} Fee ) Description of Incident : On XX/XX/year>, I was charged an unauthorized 3.87 % transaction fee ( $ XXXX ) on a rent payment of {$1600.00} made through the Bilt Rewards platform. This payment was scheduled via ACH bank transfer, which is marketed as a fee-free payment method. Following a recent system migration to " Bilt XXXX '' in XX/XX/year>, the platform defaulted my account into a " Max Points '' reward tier that automatically applies a 3 % 4 % surcharge to ACH payments without clear and conspicuous disclosure during the Autopay enrollment process. Despite being charged this fee, I only received a base reward of XXXXXXXX points, which is the standard floor for fee-free transactions, indicating I received no benefit for the $ XXXX surcharge. This practice constitutes deceptive " junk fee '' pricing and violates Colorados consumer protection laws regarding transparent pricing ( HB 25-1090 ), which mandates that all mandatory fees must be included in the total price shown to the consumer. The Bilt XXXX interface has created a 'cancellation gridlock ' that violates Colorados SB25-145 ( Online Cancellation of Automatic Renewal Contracts ). Although I consented to Autopay online, Bilt has failed to provide a 'simple, one-step ' method to modify or cancel these settings to avoid the 3 % transaction fee. By requiring a live chat interaction with wait times exceeding 60 minutes and providing no functional phone support, Bilt is 'unreasonably obstructing ' my right to terminate this billing arrangement. This is a predatory 'trap ' intended to force continued payment of undisclosed surcharges. Furthermore, despite being charged a {$65.00} transaction fee on XX/XX/year>, the Bilt platform provides no clear confirmation that my actual rent of {$1600.00} has been delivered to my landlord. I am in a state of 'financial limbo ' where Bilt has successfully extracted a fee from my account, but has provided zero transparency regarding the status of my primary housing payment. This lack of verification, combined with the intentional removal of human support channels, places me at risk of eviction or late fees with my property management company. I am requesting an immediate audit of this transaction and a confirmation of payment delivery. On XX/XX/year>, I attempted to resolve this through Bilts live chat supporttheir only accessible support channel. I remained in a " Live Agent '' queue for over 60 minutes during business hours without a response. Bilt provides no functional customer service phone number for billing disputes, effectively denying me the ability to request a refund or correct my account settings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
b'On XXXX, I was selling a piece of furniture for $XXXX on XXXX XXXX. A buyer identifying herself as XXXX XXXX requested to pay via XXXX. I provided my email address to receive payment.\n\nShortly after, I received a fraudulent email and text messages impersonating XXXX support, stating that my payment was on hold due to a business account certification issue and that I was required to send $XXXX to complete a security deposit or upgrade.\n\nThe fraudulent communications directed me to call a phone number (+XXXX XXXX). The individual who answered claimed to represent XXXX and assured me my funds were safe. I was told that because the buyer had a business account and I had a personal account, I needed to send $XXXX, after which I would receive $XXXX.\n\nUnder pressure and believing I was speaking with legitimate XXXX support, I authorized a $XXXX transfer to a XXXX account identified as:\n\nName shown: XXXX XXXX\nRegistered as: XXXX XXXX\nEmail: XXXXn\nAfter sending the funds, I received further fraudulent messages demanding an additional $XXXX certificate fee. At that point I recognized this as a scam, immediately terminated contact, and called Chase immediately upon hanging up to report the fraud and request cancellation of the transaction.\n\nI provided Chase with screenshots of the fraudulent emails, text messages, phone number used, and recipient information. I was verbally informed that I would receive a temporary credit within 10 days; this credit was never issued.\n\nChase has since closed my claim, stating the transaction was authorized and no action would be taken. However, this transaction was authorized under impersonation and deception. I did not knowingly send funds for legitimate goods or services. I was told that I cannot receive my reimbursement due to the money sent already being withdrawn, however, I called and filed the complaint with Chase immediately and nothing was done. I was manipulated by individuals fraudulently posing as XXXX representatives.\n\nI am requesting reimbursement of the $XXXX loss, formal reconsideration of my claim, written documentation of the investigation findings, clarification regarding the promised temporary credit, and confirmation of recovery efforts made with the receiving financial institution.\n\nI also request that Chase formally investigate and flag the receiving account associated with this scam to prevent further consumer harm, as this appears to be an active and ongoing impersonation scheme.\n\nI filed a report with the FTC (reportfraud.ftc.gov) immediately following the incident.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AutoMoney, Inc.
State: GA

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I am filing this complaint regarding a Georgia title pawn loan I entered into with Auto Money, located in XXXX, Georgia, based on incorrect and misleading explanations provided by the lenders agent at the time of signing. At the time I signed the loan, Auto Moneys agent specifically explained to me that the first three payments would be applied entirely to interest, and that after those three payments, subsequent payments would be applied partly to interest and partly to principal, resulting in a reduction of the loan balance. I relied on this explanation when deciding to enter into the loan and when making my payments. After making multiple payments, I later discovered that Auto Money is treating every payment I have made as interest only, with no portion applied to principal, which is contrary to what was represented to me at signing. I was later informed by XXXX XXXX, the location manager at the XXXX, Georgia Auto Money location, that the agent who explained the loan terms to me has since been terminated for providing customers with incorrect information regarding loan terms. This misrepresentation materially affected my understanding of how the loan would function and my decision to enter into and continue making payments. Given the regulated nature of title pawn lending in Georgia, I believe this constitutes an unfair and deceptive business practice. I am currently approximately 54 days behind on this account and face an immediate risk of repossession while this dispute is under review. I am requesting regulatory assistance to review this matter, to prevent further harm including repossession, and to seek appropriate relief such as rescission or reformation of the loan to reflect the terms that were represented to me at the time of signing. I am prepared to provide documentation, including the contract, payment history, and a written timeline of events upon request.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 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: MA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cashapp closed my account with ko notice stating terms of service. When I requested they tell me which terms, they ignored my request. When I requested a supervisor they did the same. This has now been over 2 months I've waited for a response with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions charged " {$12.00} Deposit Item Returned Fee '' on XX/XX/year> which CFPB has deemed unfair here : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account originating from XXXX XXXX XXXX that is currently being reported on my XX/XX/XXXX credit report under Receivables Management Sys for {$240.00}. I previously filed a complaint regarding this account. On XX/XX/year>2026, Receivables Management Sys responded that they are not the appropriate company to address this issue. However, the account continues to be reported under their name and XXXX, VA address as the furnisher on my XX/XX/XXXX credit report. If this account does not belong to Receivables Management Sys, I request documentation identifying the correct data furnisher and proof of assignment or authorization to collect and report this debt. If they are not responsible for the account, the reporting under their company name is inaccurate and misleading. I am requesting validation of the debt, including documentation of the original agreement with XXXX XXXX XXXX and proof of authority to collect and report. If the debt can not be properly validated, I request deletion of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was named successor in interest on a US Bank Mortgage belonging to a deceased individual on XX/XX/XXXX. I went under contract to sell the property in XXXX of XXXX and upon receiving the title work from the company, an undisclosed 2nd deed of trust/2nd mortgage was being held by US Bank XXXX On XX/XX/XXXX, after several phone calls I was finally acknowledged as successor in interest for the 2nd deed of trust and negotiated a reduced pay off in order to close the sale in XXXX. In XXXX, prior to closing the escrow prepayments were made to the local assessor and insurance company. Since closing on the sale, I have made countless attempts with US Bank to obtain the escrow refund and am now being told that I am not a confirmed successor in interest. I am now being told that I have to resubmit all of my documentation again to be reviewed again for successor in interest in order to receive the escrow refund that was funded through the monthly payments I was making as a Confirmed Successor in Interest as referenced in the attached paperwork.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my researchCREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account in the amount of {$810.00} reported by Transworld Systems Inc. related to a prior apartment ( XXXX XXXX, XXXX XXXX ). I first discovered this collection account while reviewing my credit report and disputed it with XXXX on XX/XX/year>. The account was later marked as investigation completed. On XX/XX/year>, Transworld Systems Inc. received my written debt validation request via certified mail. In that letter, I formally disputed the debt and requested validation, including : 1.The name and address of the original creditor 2. An itemized statement explaining the charges 3. Documentation showing I am legally responsible for the debt 4. Proof that Transworld Systems Inc. is authorized to collect on this account 5. Verification that the debt was not reported while in active dispute As of today, no validation or supporting documentation has been provided to me. Despite receiving my written dispute and detailed validation request, Transworld Systems Inc. verified the account through XXXX and reported the account to XXXX on XX/XX/year>. I am requesting that Transworld Systems Inc. either provide proper written validation of the debt, including supporting documentation, or cease reporting and delete the account from all credit reporting agencies if they are unable to provide such validation.

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

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I was emailed by current saying I paid off a XXXX XXXX card that I never had for {$640.00}. I asked to dispute this they closed my account suspended me and havent emailed back. No number to call and no access to chat on app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a charge for a rental property of {$5800.00} on XX/XX/XXXX which wasn't counted towards the Welcome Offer spend needed. I contacted their support on XX/XX/XXXX and after being strung along and even told they would credit it, finally on XX/XX/XXXX I was told they decided it doesn't count and the decision is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I draw XXXX and my check is not in my chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I noticed that my account had been placed in restricted status. The first indication was that I was unable to use my debit card and could not send a XXXX payment to myself ( to my other external bank account, as I did not want to wait for a standard transfer to process ). When I logged into the banking app, I saw that both my savings and checking accounts were marked as restricted. I checked my email and was informed that my accounts had been frozen due to unusual activity. However, the only activity on my account has been : Attempting to use my debit card while abroad ( I am currently in XXXX and placed a travel notice on my account prior to traveling ). Updating the phone number on my account because my U.S. number was not receiving calls properly while I am abroad. Sending a XXXX payment to an external bank account that belongs to me. The XXXX account is associated with a different email address of mine ( my business email ), and this is not against XXXX policies. I contacted the bank and was told the review process would take 710 days and that I would be contacted. However, each time I follow up, the agents are unable to provide any updates. When I attempt to correspond through the banking app, I receive generic and unhelpful responses. As I am currently abroad, I urgently need access to my funds. I am unable to secure accommodation, purchase food, or meet basic living expenses because both my savings and checking accountswhere the majority of my funds are heldhave been frozen. I understand that reviews must be conducted when unusual activity is detected. However, there has been very little communication or effort to resolve this matter, despite the hardship this situation is causing. My account has minimal transactions and clearly is not being used for any improper activity. I am simply requesting timely communication and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX RE : Cease and Desist Communication Pursuant to XXXX U.S.C. XXXX ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to demand that you cease and desist from any further communication with me regarding the above-referenced account. Under XXXX U.S.C. XXXX ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication except to advise that : XXXX. Further efforts are being terminated. XXXX. Certain specified remedies may be invoked ; or XXXX. The debt collector intends to invoke a specified remedy. You are hereby instructed to immediately cease all communication with me, including but not limited to telephone calls, emails, text messages, letters, and communication through third parties, regarding this alleged debt. Be advised that any continued communication beyond what is permitted under federal law will constitute a knowing violation of the Fair Debt Collection Practices Act and may result in a complaint being filed with the appropriate regulatory agencies and/or legal action. This is not an acknowledgment of the validity of the alleged debt, nor is it a refusal to dispute the debt. I expressly reserve all rights under federal and state law. Please confirm in writing that you have received this notice and that you will comply with its terms. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation