vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding ongoing harassment by PRINCE-PARKER & ASSOCIATES related to alleged debts that I have no knowledge of or agreement to. # # # Background I have been receiving constant phone calls from at all hours, including late at night. These calls have caused me significant distress and disruption in my daily life. I want to clarify that I have never entered into any agreement or contract with PRINCE-PARKER & ASSOCIATES regarding any debt, nor have I authorized any party to collect any debt on my behalf. # # # Legal Violations 1. * * Fair Debt Collection Practices Act ( FDCPA ) * * Under the FDCPA, specifically * * 15 U.S.C. 1692d * *, it is prohibited for debt collectors to engage in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The repeated calls at inappropriate hours clearly violate this section. 2. * * Telephone Consumer Protection Act ( TCPA ) * * The TCPA, * * 47 U.S.C. 227 * *, restricts telemarketing calls, including the use of automated dialing systems. If the calls I am receiving are being made using an automatic telephone dialing system, this would constitute a violation of the TCPA, as I have not consented to receive such calls. 3. * * Consumer Financial Protection Act of 2010 * * As outlined in * * 12 U.S.C. 5531 * *, it is illegal for any person or entity to engage in deceptive acts or practices in connection with consumer financial products or services. The actions of PRINCE-PARKER & ASSOCIATES in pursuing a debt I do not owe can be viewed as both deceptive and misleading. 4 . * * Uniform Commercial Code ( UCC ) * * According to the UCC, particularly * * UCC 3-310 * *, a debt can not be enforced unless there is an agreement or contract signed by the debtor. Since I have no signed contract with [ Company Name ], they have no legal basis to collect any alleged debt from me. # # # Request for Action I respectfully request that the CFPB investigate this matter thoroughly. I seek the following actions : - An immediate cessation of all communication from PRINCE-PARKER & ASSOCIATES regarding this alleged debt. - The removal of any and all alleged debts associated with my name from any of my accounts, as these claims are unfounded and are negatively impacting my credit. - A formal investigation into the practices of PRINCE-PARKER & ASSOCIATES regarding their debt collection methods. - Information on how to further address this harassment, including any additional legal recourse available to me. Thank you for your attention to this matter. I hope to resolve this situation promptly and appreciate your assistance in protecting consumers from unfair practices

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 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Recovery Systems, Inc.
State: TN

Complaint narrative:
I previously filed a complaint regarding this account. The company responded but failed to provide proper validation. They only provided billing statements and an Explanation of Benefits indicating the claim was denied pending additional information from the patient. This confirms the account is incomplete and not finalized with the insurer. The company also stated they will not provide further validation, yet they continue to report the account to credit bureaus. The account remains unverified and potentially inaccurate. Reporting incomplete and unverified information violates the FCRA. I am requesting immediate deletion of this account and confirmation that it will not be sold or transferred to another collection agenc Additional information provided by consumer : XXXX Consumer would like this complaint sent out to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
My federal student loans serviced by XXXX were XXXX, and my account has reflected a negative credit balance ( indicating a refund owed ) for over XXXX year. Despite this, no refund has been issued. Key facts : * Loans XXXX : XX/XX/year> * Negative credit balance posted : XX/XX/year> * Account shows {$0.00} balance with confirmed refund amount totaling approximately {$7200.00} * As of today, no refund has been received I have made numerous attempts to resolve this issue directly with XXXX and through Federal Student Aid, including more than XXXX contacts. I have also engaged XXXX XXXX XXXX offices, which have submitted formal congressional inquiries on my behalf. Despite this, I continue to receive generic responses stating that my claim is in process, with no specific explanation of the delay or timeline for resolution. My account clearly reflects that the discharge has been processed and a refund amount has been calculated. However, the refund has not been transmitted or issued. I am requesting the following : 1. Confirmation of whether the refund has been transmitted to the U.S. Department of the Treasury 2. If not, identification of the exact step preventing transmission 3. Identification of which entity currently owns the next action ( XXXX, Federal Student Aid, or Treasury ) 4. A clear and specific timeline for issuance of the refund

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Complaint Against : Marcus by Goldman Sachs I am submitting a complaint regarding a denied promotional bonus offer. In XX/XX/year>, I opened a new savings account with Marcus by Goldman Sachs and intended to qualify for a {$1500.00} promotional bonus tied to depositing {$50000.00} in new funds. Prior to transferring any money, I contacted Marcus customer service by phone to confirm that funds transferred from my Apple XXXX account would qualify as new money for the purposes of the promotion. During that call, I was informed that transferring funds from my Apple XXXX account would be eligible. Relying on this information, I proceeded to transfer {$50000.00} from my Apple XXXX account into my newly opened Marcu s account. After funding the account, I was later informed that I was not eligible for the promotional bonus because the funds originated from another Goldman Sachsaffiliated account ( Apple XXXX ). This directly contradicts the information I was given prior to initiating the transfer. I escalated the issue to a supervisor, but my request was denied without any accommodation, despite my reliance on the initial guidance provided by Marcus. Additionally, I closed the account after being told I would not qualify for the promotion. I would not have done so had I been correctly informed from the outset, as I would have instead transferred funds from a different external institution and maintained the account in accordance with the promotions requirements. I believe this situation represents a failure to provide accurate information to a customer making a financial decision. I relied on the guidance provided by Marcus before taking action, and as a result, I lost the opportunity to qualify for the promotional bonus. Requested Resolution : I am requesting that Marcus by Goldman Sachs honor the {$1500.00} promotional bonus based on the information I was provided prior to funding the account, or provide an equivalent goodwill credit to resolve this matter. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX refusal to process my dispute for a credit card transaction involving an item that was never received. On XX/XX/year>, I made a purchase totaling {$480.00} for a XXXX XXXX XXXX watch through XXXX XXXX using XXXX with my credit card. Shortly after the purchase, the sellers account was removed from XXXX, either due to deletion or enforcement action, as the account is no longer registered on XXXX. The transaction appears to be fraudulent. The seller was reportedly based in XXXX, but the provided tracking information indicates shipment originating from XXXX. Additionally, the tracking information itself appears unreliable and potentially fabricated ( see tracking information that seller provided for XXXX XXXX : XXXX ) The item was expected to be delivered between XX/XX/XXXX and XX/XX/year>. As of today, XX/XX/year>, I have not received the item. I attempted to file a dispute through XXXX Resolution Center for item not received. However, I received an error message stating that my transaction is ineligible for buyer protection, preventing me from submitting a claim. This denial is inconsistent with XXXX stated Buyer Protection policies, which indicate that purchases made using XXXX for physical goods that are not received should be eligible for dispute resolution. XXXX has not provided a clear explanation for why this transaction is excluded, nor have they offered an alternative method to dispute the charge. As a result, I am unable to exercise my rights as a consumer to dispute a charge for goods not received. This raises concerns about XXXX dispute handling practices and potential failure to comply with consumer protection standards for credit card transactions.

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 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I received an official Borrower Defense approval from the U.S. Department of Education dated XX/XX/year>, confirming that my federal student loans related to XXXXXXXX XXXX are eligible for a full discharge. The letter clearly states that : * My remaining balance will be forgiven * I am no longer required to make payments * The loans are not enforceable Since then, my underlying loans have been reduced to a {$0.00} balance. However, my loan servicer, XXXX, continues to report a balance of approximately {$50000.00} on XXXX Direct Consolidation Loans ( Loans XXXX and XXXX ). These consolidation loans are composed entirely of the same loans that were approved for full discharge. Despite this, the discharge has not been applied to them. My account has remained in administrative forbearance for over a year with no resolution. This directly contradicts the Department of Educations determination that these loans should be fully discharged. I am requesting : * Immediate correction of my account * Full discharge of my remaining balance * Written confirmation that my balance is {$0.00} I have documentation confirming my eligibility for full discharge.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: UT

Complaint narrative:
I used Abound App to transfer {$9400.00} from XXXX account to my XXXX account. Transaction id XXXX. They first informed me that it will be 7-10 days then after 10 days I started receiving update that my transfer is delayed. I finally reached out them through their chat and they sent me an email saying that the my transaction will be settled by XXXX XXXX. On XXXX XXXX I reached out to them and now they are saying it be another 3-4 days. Their App shows no transaction update, I can't even see the transaction I made. This company started advertising on different platforms so I thought they seemed to legit company but it appears that they are fraud company which withdraws money from the account and never takes care of transferring the funds. Here is a copy of their email : XXXX ( Abound ) XXXX XXXX, 2026, XXXX XXXX XXXX XXXX, Thank you for contacting Abound. I sincerely apologize for the distress and frustration this delay has caused. I completely understand how concerning this situation is, and I want to assure you that we are treating this with the highest priority. Your transaction ( ID : XXXX ) is currently in process and is expected to be settled by XX/XX/XXXX. As per standard remittance timelines ( excluding weekends and banking holidays ), transfers may take up to XXXX business days in some cases. Our team is actively working with the banking partner to ensure your funds are credited at the earliest. Please rest assured that your funds are completely safe and secure. We are closely monitoring your transaction and will keep you updated until it is successfully completed. I truly regret the inconvenience caused and appreciate your patience during this time. If you have any further concerns, please feel free to reach out to me directly. Thank you for your understanding and for choosing Abound. Warm regards, XXXX XXXX Abound Support Team

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I opened a Barclays XXXX credit card account in XX/XX/XXXX. The physical card was never delivered to me nor do I even have the card number!!!!!! The mailing address on file at the time of application was correct and current. I never received, activated, or used the card. Despite never possessing the card, Barclays charged the {$80.00} annual fee to the account and continued to assess late fees and interest when the annual fee went unpaid. Barclays then reported these delinquencies to all three credit bureaus, ultimately resulting in a charge-off status on a card I never had in my possession. I contacted Barclays by phone in XX/XX/XXXX to report that I never received the card. The representative I spoke with acknowledged that the card was never delivered. Despite this acknowledgment, Barclays continued to report negative payment history to the credit bureaus for fees assessed on a product I never accepted, never activated, and never used. Barclays compounded the problem by refusing to accept disputes via email or any electronic channel they require physical letters only which is an unreasonable barrier to resolving an account that should never have been in delinquent status to begin with.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Subject : Dispute of Duplicate Classification Complaint XXXX I am writing to formally dispute the classification of Complaint XXXX as a duplicate. This complaint is not a duplicate of Complaint XXXX, which was originally filed on XX/XX/year>. While both complaints involve Midland Credit Management, they address separate instances of violations. For Complaint XXXX, Midland Credit Management failed to provide a signed contract or a valid chain of title after my request. Attached is their response dated XX/XX/year>, submitted as supporting documentation for your review.. Complaint XXXX, filed on XX/XX/year>, concerns a continued violation of the Fair Debt Collection Practices Act. Once again, Midland Credit Management failed to provide a signed contract or proper chain of title upon request. This demonstrates an ongoing pattern of non-compliance, not a duplicate issue. On XX/XX/year>, this complaint was incorrectly marked as a duplicate, which does not accurately reflect the facts or the timeline of events. I respectfully request that Complaint XXXX be : * Reopened * Reviewed independently on its own merits * Properly classified as a separate complaint Please confirm receipt of this request and provide an update on the status of the complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: VA

Complaint narrative:
The violation occurred through an unauthorized disclosure of Protected Health Information ( PHI ) by Revco Solutions, acting as a XXXX XXXX for XXXX XXXX. I requested confirmation of a medical debt from Revco Solutions, including an itemized bill of services provided. On or about XX/XX/year>, I received a mailing from Revco Solutions intended to " validate '' this medical debt for XXXX XXXX XXXX ( Guarantor ID : # XXXX ). While the cover letter referenced my account and a balance of {$2700.00} for services provided, the enclosed documentation contained unredacted medical records of an entirely different patient ( XXXX XXXX XXXX, documentation attached ). This is a direct violation of the HIPAA Privacy Rule ( 45 CFR 164.502 ), which strictly prohibits covered entities and their business associates from disclosing PHI to unauthorized individuals. Unauthorized Disclosure : Revco Solutions failed to verify that the sensitive medical documentation being mailed matched the intended recipient, resulting in the PHI of a third party being sent to me. Failure of Safeguards : This incident demonstrates a fundamental failure of the Administrative and Technical Safeguards required under the HIPAA Security Rule. The agency clearly lacks sufficient " reasonable procedures '' to prevent the commingling of patient records during the debt validation process. Inaccurate Record Handling : By sending the wrong patient 's information as " proof '' of my own debt, the agency has shown gross negligence in handling confidential health data, potentially compromising the privacy of multiple individuals. Specifics of the information disclosed : The unauthorized records I received included : Full Legal name Address Hospital Account ( guarantor ) number Reason for visit Date/location of visit Treatment provided Cost of treatment Doctor 's name and information Insurance payments and adjustments These records were provided without the consent of the patient and without any legal basis for disclosure to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am filing this complaint against PayPal for a gross violation of their seller protection and dispute resolution policies. Case ID XXXX for {$2500.00}. On XX/XX/year> XXXX XXXX filed a dispute against me for a purchase of a vintage XXXX XXXX XXXX which PayPal found in the buyers favor. PayPal then took what money I had from my account while saying I had a negative balance as of to date for the {$2500.00} XXXX but never had the buyer return the actual item its self. Instead PayPal deliberately reviewed my business account that I had been using over a year now with no issues deciding to permanently close my account for activity at the same time even though I provided all information they asked for. Per PayPals own user agreement a buyer is required to return the merchandise in the same condition before the refund is processed for " Significantly Not as Described '' claims. By issuing a refund with out a return PayPal has effectively facilitated the theft of my inventory. Further more by closing my account they have blocked me from the Resolution Center. When I have tried to call I have been hung up on, lied to, disrespected every which way by PayPals staff. As A small business owner who is dependent on having their inventory on hand to resell this has caused financial damage to my business as well as countless time and hours working, reading about how to go about correcting this situation. I would have no issues at all if my XXXX was returned to me being more than happy to refund the buyer but PayPal has left me with no options at all her but to reach out to the XXXX and XXXX about their irresponsible acts of doing business when they are suppose to be a consumer staple in the business world.

Company response to consumer: Closed with monetary relief