vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national databreach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a fraud claim involving an impersonation scam and XXXX XXXX. On or about XX/XX/XXXX, after my debit card was declined at a restaurant in XXXX, I was contacted by an individual posing as Bank of America. This person convincingly impersonated the bank and instructed me to take actions involving XXXX XXXX, which I believed were necessary to secure my account. As a result of this deception, unauthorized transactions totaling approximately {$5400.00} were made. I reported the fraud to Bank of America immediately. At that time, the bank acknowledged the situation as fraud and issued a provisional credit. However, after their investigation, the bank reversed this credit months later, claiming the transactions were authorized. I strongly dispute this conclusion. These transactions were not knowingly authorizedthey were induced under false pretenses by a bad actor impersonating the bank. This is a clear case of fraud and should be treated as an unauthorized electronic fund transfer under Regulation E. After escalating the issue, the bank has now reopened my claim, which indicates the matter is not resolved. Despite this, they have informed me that they will still remove the funds from my account within days, even though I do not have the funds available. This is causing immediate and severe financial hardship.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On several occasions in XX/XX/year>, three cryptocurrency accounts managed by PayPal were compromised. There were unauthorized transactions ; tens of thousands of dollars are missing. PayPal has determined the transactions were authorized, although assuredly they were not. No IP addresses or reason for their determination have been issued. {$4900.00}, XXXX sold ( unauthorized ), XX/XX/year> XXXX XXXX Transaction ID : XXXX Conversion to XXXX ID : XXXX {$24000.00}, Bitcoin sold ( unauthorized ), XX/XX/year> XXXX XXXX Transaction ID : XXXX Conversion to XXXX ID : XXXX {$2000.00}, Bitcoin sold ( unauthorized ), XX/XX/year> XXXX XXXX Transaction ID : XXXX Conversion to XXXX ID : XXXX {$1000.00} XXXX sold ( unauthorized ), XX/XX/year> XXXX XXXX Transaction ID : XXXX Conversion to XXXX ID : XXXX {$11000.00} XXXX XXXX sent ( unauthorized ), XX/XX/year> XXXX XXXX Network : XXXX XXXX XXXX External crypto address Transaction ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I did not select Credit protection. I was told it started billing to me in XX/XX/year>. I am not sure if the representative understood my question, but I asked for proof showing I signed up for it and a copy of the notification sent to me advising me that this program was selected. I want verification of selection of the program and not just that it showed up on my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 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: Chime Financial Inc
State: OH

Complaint narrative:
I filed a dispute # XXXX {$530.00} XXXX and today is XXXX due to failure to deliver to correct address provided, merchant informed me to file a dispute in order to receive a refund and chime reguses to respond d or resolve everything that is given this 4th dispute but others have denied unjust. I would like all my fund from this bank returned I was told if it takes more than 10 to 20 business days I would receive temporary credit and not even that is there. I want chime held accountable. Since than I've had multiple charges from same merchant without protection or warning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am a holder of a fidelity credit card that is serviced by XXXX XXXX ( XXXX ). On Friday XX/XX/year>, I received a letter in the mail ( dated XX/XX/year> ) that my APR interest rate on purchases was being increased and amended from my XXXX Agreement, with an increase from 17.49 % to 24.49 % on new purchases and the APR on balance transfers would increase from 17.49 % to 24.49 %. Both increases will take effect on XX/XX/year>. I received this correspondence via mail on XX/XX/year>. 45 days notice was not provided. On XX/XX/year> I called ( XXXX ) to report my concern and request XXXX XXXX use a credit report from XXXX of XXXX not XXXX of XXXX, the representative said this is done by an automatic system and that there are no offers available on my account to get me back to the original interest rate. On XX/XX/year>, I called ( XXXX ) again upon learning that a violation of the 45 day notice requirement may have occurred, and requested the change not go into effect for 45 days because of the failure to notify via electronic portal or mailing earlier than XX/XX/year>. My request was sent over to a Supervisor ( XXXX, did not provide last name ). They indicated to me that their computer system indicated the account was sent out to notify on XX/XX/year>. I replied saying, how is that possible if the letter says XX/XX/year> and I just received the letter on XX/XX/year>. They did not have an answer. I asked for the change to not go into effect until 45 days notice is given appropriately and they declined and indicated a member from the legal team is not available to address violations of the 45 day rule. I told them I plan to file a violation if they did not work to resolve the issue and they said i have every right to file a claim, they can not change the increase, and good luck with the violation. Please see attached proof of the violation.

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 2026-06-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Americor Funding, LLC
State: AZ

Complaint narrative:
I called and paid my account early and they drafted it a second time.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This company Waypoint keeps calling me and sending me automated text messages, even though Ive told them to stop several times. I have never received any official letters from this company in the mail, and on my credit report they listed themselves as the original creditor, so I have no idea who this is even from or if its even my debt! But they keep harassing me!

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 2026-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: LA

Complaint narrative:
The foreclosure sale of my home was fraudulent and I was told to contact the foreclosure attorney, the person who engaged in this illegal act. LoanCare participated in the XXXX program but was required to open bidding at HUD 's Commissioner 's Adjusted Fair Market Value to file an insurance claim. The bid started at {$1400.00}. LoanCare 's own exterior appraisal valued the property at {$270000.00}. The attorney did not bid the XXXX yet LoanCare filed a XXXX insurance claim anyway. Under XXXX guidelines the property should have been conveyed to HUD. The third party purchasers bid {$220000.00} a figure that falls exactly within the XXXX range based on the {$270000.00} appraisal. The XXXX is an internal number known only to the lender and their attorney. I have every reason to believe it was leaked to the purchasers. Foreclosure counsel is himself a real estate investor with over XXXX properties. The purchasers are also registered investors. This was planned bid rigging, collusion, and fraud giving away my property with over {$55000.00} in equity while not paying HUD their portion and filing an insurance claim. HUD was not joined as a defendant in the foreclosure. Their partial claim mortgage of {$84000.00} could not lawfully be released by the sheriff yet it was released insofar as handing the purchasers clear title. HUD did not release their own lien until XXXX months later. The payoff affidavit claimed I owed {$250000.00}. The attorney did not bid this amount. The fees are inflated the account history does not support {$5700.00} in late fees. The account history shows approximately {$3000.00} in attorney fees yet I was charged {$4500.00}. LoanCare also charged {$4200.00} for hazard insurance that was never disclosed to me. LoanCare placed the wrong FHA number on my loan modification, denied it, and resumed the foreclosure without providing me the right to appeal. I submitted a complete application ninety days before the sale. The HUD Notice of Occupant Acquisition was never delivered returned unsigned and no attempt was made to re-serve it. This is dual tracking. I am awaiting my FOIA request from HUD. I am requesting LoanCare provide the XXXX, XXXX bidding instructions, HUD Form XXXX, and a complete account history supporting all fees charged. All supporting evidence is attached.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I attempted to make my second purchase of the morning, with my Cashapp card, to get food, yet my card was declined for seemingly no reason. I then find that I am unable to withdraw any of my money to an external bank account, spend, send, or recieve any of the money in my balance. I reached out to Cashapp support and all I was told is my account is under review, and I should be able to access the funds within 5 business days. It is now XX/XX/year>, and I have not been able to access any of my funds. I have called them a total of 4 times and all I am told is that the Cashapp specialty team will handle it. I have asked why this is happening, yet all I've been told is either nothing or that " Your balance is frozen '', and I have not recieved any form of notification from Cashapp in any way ( no emails, phone calls, texts ). I've asked to speak to the specialty team, and I am unable to do so. This is extremely frustrating, as they are withholding all of my funds for seemingly no reason and they are not telling me why this is happening. I was also sent {$20.00} on XX/XX/year>, however that has been pending ever since, even though I was able to make a purchase on the following day, XX/XX/XXXX, and I was able to make a single purchase on XX/XX/XXXX before this happened. However, for some strange reason, I am able to add money to my balance, even though I'm unable to use it in any way, which I have tried as I have done test withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I am submitting this complaint because there is an account being reported on my credit report for a service address where I have never lived. I did not open, authorize, or receive service at that address, and I do not believe I am responsible for this account. I first discovered this account while reviewing my credit report. The account appears to be connected to an address that has never been my residence. Because I have never lived there, I could not have received services there or agreed to charges for that location. I am requesting that the company fully investigate this account, provide documentation proving that I opened or authorized service at that address, and correct any inaccurate reporting. If the company can not verify that I am legally responsible for this account, I am requesting that it be deleted from all credit reporting agencies immediately. I also request that all collection activity and negative credit reporting related to this disputed account stop unless and until the company can provide proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I contacted XXXX because I received a credit card in the mail that I did not apply for. They advised me to contact the credit card company. I filed a dispute with XXXX. I did not cancel with Citi at that time because I was reluctant to give them the information on the phone. When I checked with XXXX on XXXX I noted that the dispute was resolved, but the account was not cancelled I contacted Citi card on XXXX and requested that they cancel this account. The assured me the account was cancelled, but could not provide me with any information regarding details on how this happened in the first place.

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a regular Chime account and a XXXX XXXX account with Chime. I filed for bankruptcy on XX/XX/year>. When I checked my account this morning, Chime has taken all of my cash out of my account, and theyre withholding my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request Original Creditor : XXXX XXXX XXXX Alleged Balance : {$1000.00} To Whom It May Concern : I am writing regarding the debt referenced above that is being reported by your company. I am requesting validation of this debt and ask that you provide documentation supporting your claim that I owe this amount. Please provide the following : The name and address of the original creditor. The original account number associated with the alleged debt. Documentation showing that I am legally responsible for this debt. A complete itemization of the balance, including any interest, fees, or other charges. Documentation demonstrating your authority to collect this debt, including any assignment, transfer, or purchase records. The date of default and the date of the last payment, if applicable. This letter is not an acknowledgment of liability for the debt, nor is it a promise to pay. I am requesting this information solely to verify the accuracy and validity of the debt. Please provide the requested documentation in writing at the address listed above. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems RE : CEASE AND DESIST DEMAND Dear whom it may concern, This letter serves as a formal demand that you immediately cease and desist from all actions and conduct directed toward me that constitute harassment, intimidation, defamation, interference with my employment, unwanted communications, or any other behavior that is causing harm or distress. Specifically, I demand that you immediately stop : * Making false or misleading statements about me; * Engaging in harassment, bullying, or retaliatory behavior; * Contacting me through phone calls, text messages, emails, social media, or third parties unless legally required ; * Interfering with my employment, professional relationships, or reputation; * Any other conduct intended to intimidate, threaten, or cause emotional distress. Your actions have been documented and may be preserved as evidence. Should this conduct continue after receipt of this letter, I reserve all rights to pursue any remedies available under applicable law, including seeking legal counsel, filing complaints with appropriate agencies, and pursuing civil action if necessary. This letter is sent in good faith in an effort to resolve this matter without further escalation. I expect your immediate compliance and that all such conduct cease upon receipt of this correspondence. Nothing in this letter should be construed as a waiver of any rights or remedies available to me, all of which are expressly reserved. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am writing regarding Chase Home XXXX handling of an assumable mortgage loan assumption request on my property. I granted permission for the prospective buyers to pursue assumption of my loan in XX/XX/year>. The buyers promptly submitted all required documentation within a few days of initiating the process. For the following nine months, the file remained in process. During this period, the buyers contacted Chase one to two times per week for status updates. When I contacted Chase for information about the status of the assumption, representatives repeatedly stated they were not permitted to provide me with any details, even though it is my loan and I needed to know whether assumption had been completed in order to manage my monthly mortgage payments appropriately. According to information shared during the process, the underwriting team processes assumption files by pulling them from a queue. If documentation becomes outdated due to processing delays, the file is returned to the documentation team for updates and then placed back at the bottom of the underwriting queue. This resulted in repeated cycles of delays. After approximately nine months, Chase informed us that the buyers were not approved to assume the loan. This was after repeatedly being told it would take 30-60 days. Initially, Chase told the buyers that the loan was not assumable, which created confusion and made it appear that I had misrepresented the loans assumable status. Chase later clarified to the buyers that the loan was not assumable by this specific buyer. I am requesting a full review of how my assumption request was handled, including the reasons for the extended delays and the inaccurate communication provided to the buyers. I also ask that Chase provide a clear written explanation of the final decision and any internal process improvements that may address these issues going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
am filing a complaint against Afterpay and XXXX XXXX XXXX ( XXXX XXXX ) for failing to resolve a clear merchant fraud case. On XX/XX/year>, I purchased lightweight clothing from an international merchant via XXXX using XXXX XXXX. The merchant explicitly confirmed the total price and promised free shipping. ( Documented ). After capturing my funds, the merchant engaged in a bait-and-switch, disappearing for nearly a week when I requested tracking- and finally responded demanding an unauthorized {$120.00} $ XXXX shipping fee. I immediately requested a cancellation. The merchant refused to cancel or ship the items, blaming international wars for the price hike. I have 14 documents proving my good-faith efforts to resolve this, but XXXX continually closes and reopens, and then stalls on my case and refused to help, forcing me to seek regulatory intervention. Additionally XXXX XXXX was equally unhelpful and just referred me to a corporate phone number in which I have not been able to speak with an agent yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: MD

Complaint narrative:
The XXXX XXXX did not read my tag and charge my XXXX and when proved proof that I had an active and funded XXXX at the time of the charge they refused to accept it and assessed two huge administrative fees and sent to collections. The same day and time by the way of course, I was attending my grandsons soccer game, the same thing happened on the XXXX XXXX XXXX, and they accepted all my documents just fine. I am a XXXX XXXX XXXX grandmother living on a small social security and paying almost {$85.00} is very hurtful. No one will talk to me, tell me what they are needing, or how I can fix this other than pay them. Its disturbing.

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