vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Plastiq Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I ( Party A ) referred another party ( Party B ) to Plastiq using my personalized referral code, as advertised in Plastiqs Plastiq Referral Terms on its website. Party B signed up with Plastiq using my referral code and completed a Plastiq transaction totaling more than {$2500.00} ( before fees ) on XX/XX/year>. The transaction included the full Plastiq fee and was finalized and completed on XX/XX/year>. Under the referral offer displayed on Plastiqs site at the time, Party A and Party B were each supposed to receive a referral bonus once Party B completed a qualifying transaction in accordance with those terms. When no referral bonus posted, I emailed Plastiq on XX/XX/year> asking for an update and specifically referenced the Plastiq Referral Terms. Later that day, Plastiq responded that they would not honor the referral and deemed it illegitimate. They did not provide any explanation or identify which requirement had not been met. I replied asking Plastiq to explain how they determined the referral was illegitimate, especially since no additional verification process was initiated or completed for either Party A or Party B. Plastiq then replied with the same generic email again, without answering my questions. I sent another email asking Plastiq to address my concerns by XX/XX/year> ( XXXX business days after my initial inquiry ). In response, I received a third email with the exact same wording as the first two. Plastiq never provided any specific reason, evidence, or explanation, and did not acknowledge or address the questions in my followup emails. Plastiq provides only a single support email address ( XXXX ) and does not list any alternative phone number or escalation channel for disputes. I have therefore been unable to escalate the issue or speak with anyone who can explain why Plastiq is refusing to honor the referral offer or what illegitimate means in this context. In my view, Plastiq advertised a referral bonus, accepted a qualifying transaction under that offer, then refused to provide the bonus without explanation or any clear path to dispute or escalation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 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: FL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC for reporting and attempting to collect on a debt that I do not believe is valid. LVNV Funding LLC is currently reporting a collection account on my credit report. I have serious concerns about the accuracy and legality of this account. I have not been provided with proper validation of this debt despite my requests, and I do not recognize this obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any alleged debt. To date, LVNV Funding LLC has failed to provide sufficient documentation showing : That I have a legal obligation to pay this debt That LVNV Funding LLC has the legal right to collect this debt A complete account history, including the original creditor and amount owed Additionally, this account may be inaccurately reported across the credit bureaus, which is causing harm to my credit profile. I am requesting the following : Immediate investigation of this account Proper validation of the alleged debt, including original creditor documentation Proof of LVNV Funding LLCs legal authority to collect Removal of this account from my credit reports if it can not be fully verified Correction of any inaccurate information being reported If LVNV Funding LLC can not provide adequate validation, this account must be deleted in accordance with federal law. I also request that all communications regarding this matter be documented and that no further collection activity occur until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I placed an online order with Best Buy for a laptop totaling approximately {$810.00}. The package was delivered on XX/XX/XXXX. The delivery required a signature, and I have both a delivery photo and confirmation of pickup. Upon opening the package, I discovered that the item received did not match what I ordered. I reported the issue to the merchant on the same day, and the merchant acknowledged the issue and authorized a return, providing a prepaid return label. I returned the item immediately on XX/XX/XXXX ( Return Tracking # : XXXX ). Tracking confirms the return was delivered and accepted at the merchants facility on XX/XX/XXXX ( Return Tracking # : XXXX ). After waiting beyond the standard processing time, I contacted the merchant again. On XX/XX/XXXX, I was informed that no refund would be issued because the item they received allegedly did not match the order. I then filed a dispute with Citibank under Case Number D-XXXX. The dispute was denied. I filed an appeal, which was also denied. I have since initiated a second appeal under Case Number XXXX. Citibank later sent me a letter in the mail explaining their decision. The documentation they relied on was simply a copy of the original Best Buy purchase receiptthe same document I initially submitted. This receipt only reflects what was ordered and does not address the actual issue : that the item delivered did not match the order and was returned through an authorized process. I will be attaching a copy of this letter to demonstrate that no meaningful investigation evidence was used. Citibank failed to properly evaluate that the goods were not delivered as agreed, that the return was authorized, and that the returned item was delivered and accepted by the merchant. At this point, the merchant retains both the returned item and the full payment, while I have received neither the correct merchandise nor a refund. I am requesting that this matter be reviewed as a billing dispute involving goods not delivered as agreed and that appropriate corrective action be taken.

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 2026-04-20 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Apple Card has a policy that they add their credit card to your Apple Wallet if another form of payment is not available. I did not know this and my son purchased a soda for {$2.00} on my Apple Pay in XX/XX/year>. It was charged to the Apple Card with no notification that it had been charged to that instead of my bank. I obviously would have paid Apple the {$2.00} but I had no way to know that I had a balanced. I saw a late payment on my credit, so I contacted Apple Card to explain what happened. Apple refused to reverse the late payment and I closed the card so this would not happen again. I consider Apple 's policies on adding their card to your Apple Wallet predatory and I believe I should not have this negative past payment on my credit file due to the fact that I immediately called them to pay the balance of a charge that I was never notified about. Thank you for taking this into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Issue : Funds missing after account closure / funds sent to wrong account Company : Credit Karma Money Complaint : I am filing this complaint regarding {$1000.00} that was in my Credit Karma Money account at the time it was closed. When my account was closed, I was told by a representative that my funds would be transferred to a linked bank account. However, the account they referenced was NOT mine, and I informed them of this immediately. After I raised this issue, I was told that instead of transferring the funds, a paper check would be mailed to me within 714 days. I never received this check. When I followed up approximately XXXX weeks later, I was then told that the funds had been sent to a different bank account that I do not recognize and have never owned. This directly contradicts what I was previously told. It has now been nearly XXXX months since my account was closed, and I still have not received my {$1000.00}. I have made multiple attempts to resolve this through customer support via phone, email, and chat. Representatives have provided inconsistent information, refused to escalate my case, and in some instances disconnected calls when I asked for a supervisor. I am requesting : 1. A full investigation into where my funds were sent 2. Proof of any transfer ( including account details and transaction trace ) 3. Immediate return of my {$1000.00} This situation has caused significant financial hardship and stress. I expect prompt resolution and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am filing a complaint against Freedom Mortgage, represented by XXXX XXXX ( Loan Advisor, XX/XX/XXXXXXXX ; XXXX XXXXXX/XX/XXXXXXXX ), regarding a misleading and improperly disclosed mortgage refinance process. On XX/XX/scrub> 2026, between approximately XXXXXX/XX/XXXX and XXXXXX/XX/XXXX, I spoke with XXXX XXXX over the phone about refinancing my existing mortgage of around {$200000.00}. During this call, he stated that there would be no fees to refinance except for Illinois title work of about {$1000.00}. He did not provide me with a written Loan Estimate or any clear written breakdown of the loan amount, costs, or how those costs would be structured before credit was pulled. Shortly after that conversation, I learned that my credit report had been pulled and that the new loan amount would increase from roughly {$200000.00} to about {$200000.00}, even though the only cost I had been told about was the {$1000.00} in Illinois title work. The reason for this {$4000.00} increase was only disclosed after the credit inquiry occurred, and I was not given a clear, itemized explanation of how the higher balance is being calculated ( e.g., accrued interest, prepaid items, rolledin fees, or a nopayment period structure ). I am a financial professional with a XXXX in XXXX and work in management consulting, and I am accustomed to reviewing and understanding complex financial terms. The fact that these material detailsthe true loan amount and the structure of the increasewere withheld until after my credit was pulled is deeply concerning and inconsistent with transparent lending practices. I believe that : I did not receive a clear, written Loan Estimate or any written breakdown of the loan amount and fees before credit was pulled, which is what I reasonably expected. The lenders description of the refinance as nofee except for {$1000.00} in title work was misleading, given the significant increase in the loan amount that was only revealed after the credit check. The lender should be held accountable for this lack of transparency and for failing to present the full financial impact up front.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2026 XXXX - Call came in from a false number claiming to be Bank of America from XXXX. I do not bank here. They stated that someone had come in twice and opened a checking account with my name and social security there and submitted wire transfers for {$4000.00} this morning. I mentioned I don't even bank there so there is no money to even steal then asked my banks which I gave him the answer XXXX. After that, he got me in touch with the " FDIC agent '' to talk about how my information got stolen. We spoke until they tried to convince me that it was internal breaching at XXXX?? not even Bank of America?? They wanted me to go to the branch and discuss with them still on the phone and after expressing several times I am not doing that and picking apart the flaws of this plan they were scheming on me, they went silent. Now calling my banks to make sure they are aware of all of this information to use it for security purposes.

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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Military Star allowed an account to be opened and is reporting to my credit that does not belong to me and I have been disputing this account since the beginning of the year.

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 2026-04-20 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:
I was scammed by a third party. This person had me transfer {$400.00} through CASHAPP to transport me to the XXXX. The person did not show up and kept the money. I was not able to get the money back from this person. I then submitted a claim to CASHAPP. CASHAPP declined my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: HI

Complaint narrative:
I was a XXXX XXXX customer with autopay enabled for the entire duration of my account. When I closed the account, XXXX had my credit card on file but did not charge the final balance of {$310.00}. All notices about this balance were sent to my former service address, which XXXX knew I had vacated. I received no email, phone call, or other communication about this balance. On XX/XX/year>, this {$310.00} balance was assigned to Waypoint Resource Group for collection. I first learned of this debt when I checked my credit report in XXXX. I sent a written debt validation request to Waypoint via email on XX/XX/XXXX and XX/XX/XXXX. Waypoint never responded to this request. I also never received any initial written notice from Waypoint about this debt, as required by the FDCPA. I also called Waypoint on XX/XX/XXXX and XX/XX/XXXX to resolve this. Their representative told me the account was fully closed on their end and that they had no ability to receive payment, mark the account as paid, or take any action on it. Despite telling me the account was closed and never responding to my validation request, Waypoint then verified an active {$310.00} debt with XXXX when I filed a dispute, directly contradicting what they told me by phone. Waypoint continues to report this unverified debt to the credit bureaus, causing damage to my credit at a time when I am preparing a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica
State: AZ

Complaint narrative:
XXXX my direct express debit card for my SS XXXX checks declined several times after getting XXXX from atm at a local XXXX. I called customer service. The rep said no declines showing on their end, very strange. Advised to stop card and replace. I needed $ $ for rent so she said expedite mail by paying XXXX, which i agreed and she said XXXX business days. That was a XXXX. Come XXXX XX/XX/year> no card! I call back and now im told I have to prove my identity very rude XXXX people. He send link for company called conduit, XXXX XXXX it says and complete successfully it said and call in XXXX hrs. I did and was told for 3 days, nothing! Then I was told to send my ids thru their email, verify me. I've done this XXXX times now and nothing from them. Big runaround and im starvin, XXXX and cant pay anything! I went and changed my direct deposit to a bank now so this wont happen again! Please help! Yesterday I called for last time and spoke to supervisor XXXX at XXXX pm that told me my acct was on hold due to fraud alert to submit my ids again! I did XXXX last time at XXXX pm AZ. Time yesterday. XXXX hrs later still no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally dispute and demand validation of the alleged debt associated with Midland Credit Management, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My attached validation request letter identifies the specific documentation that must be produced under the FDCPA, including : A copy of the original signed contract or agreement creating the obligation, A full itemized account history showing all transactional activity, Documentation confirming that Midland Credit Management owns the debt, A copy of the purchase or assignment agreement, and Any prior communications or validation notices sent, as required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB system, I am ensuring the request is officially documented, delivered, and preserved for oversight. The law prohibits continued collection or reporting without proper validation. Additionally, to ensure accuracy and compliance under the FCRA, I have requested : The Date of First Delinquency ( DOFD ), as defined by the original creditors records, The date the account was charged off, The date it was acquired or assigned to Midland Credit Management, with supporting documents, The complete data file maintained for the account, and A description of the investigation process used if the account has previously been disputed. I request that all ten items outlined in the attached letter be addressed fully and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally dispute and demand validation of the alleged debt associated with Credit Collection Services, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My attached validation request letter identifies the specific documentation that must be produced under the FDCPA, including : A copy of the original signed contract or agreement creating the obligation, A full itemized account history showing all transactional activity, Documentation confirming that Credit Collection Services owns the debt, A copy of the purchase or assignment agreement, and Any prior communications or validation notices sent, as required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB system, I am ensuring the request is officially documented, delivered, and preserved for oversight. The law prohibits continued collection or reporting without proper validation. Additionally, to ensure accuracy and compliance under the FCRA, I have requested : The Date of First Delinquency ( DOFD ), as defined by the original creditors records, The date the account was charged off, The date it was acquired or assigned to Credit Collection Services, with supporting documents, The complete data file maintained for the account, and A description of the investigation process used if the account has previously been disputed. I request that all ten items outlined in the attached letter be addressed fully and directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
Sofi Bank recently changed the monthly fee on the 2 % unlimited credit card from none to {$10.00} ( {$120.00} annual fee ). They claim they sent notices to emails but we're unable to provide the date sent other than around XXXX. I verified in my email inbox spam and trash folders that I never received this notice. I spoke with XXXX last week and today regarding this and they have refused to credit back the fees, totaling {$20.00} at this point. I made them aware there website still shows this specific 2 % unlimited credit card has no fee, including in this specific 2 % unlimited credit cards terms of service listed online. Other than seeing the fees on my statements I would not have been aware they were being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NC

Complaint narrative:
Two unauthorized fraudulent charges in the amount of XXXX each was reported. Company refunded one charge but would not refund all funds back to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a report of FRAUD twice as to my XXXX XXXX brokerage account and " they are reviewing it. '' BOA isn't doing a thing to help. Also, I made a report of FRAUD by XXXX XXXX XXXX company to BOA, which did not credit me the {$250.00} in bogus charges.

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