vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am reopening this complaint because Goldman Sachs response contains a critical factual error that undermines their entire conclusion. In their response dated XX/XX/year>, Goldman Sachs stated that the evidence provided by the Customer shows only a balance of {$1200.00} was available to withdrawal, which was not sufficient to cover the full payment amount. However, this balance of {$1200.00} reflects my XXXX account balance as of approximately XX/XX/year> NOT the balance on XX/XX/year>, the date the payment was actually initiated. Between XX/XX/XXXX and XX/XX/XXXX, my mortgage payment was debited from the same XXXX account on XX/XX/XXXX, which significantly reduced the available balance. Goldman Sachs used a post-mortgage-payment snapshot to evaluate whether I had sufficient funds at the time of the Apple Card payment this is inaccurate and misleading. I have obtained documentation from XXXX confirming that on XX/XX/year>, my account had sufficient cash available for withdrawal to cover the full payment of {$6800.00}. I am attaching this documentation with this complaint. To summarize the timeline : XX/XX/year> I initiated a payment of {$6800.00} to Apple Card. My XXXX account had sufficient available funds at this time. On the same date XX/XX/year> another credit card payment was successfully debited from the exact same XXXX account. Specifically, an XXXX payment of {$1900.00} was processed and completed without any issues. This is clearly shown on my XXXX account statement. XX/XX/year> My mortgage payment was debited from the same XXXX account, reducing the balance. XX/XX/year> Goldman Sachs referenced a balance of {$1200.00}, which was the post-mortgage balance and does not reflect the funds available at the time the payment was made. XX/XX/year> I was charged {$170.00} in interest due to the rejected payment. Additionally, my XXXX account statement for XX/XX/year> shows total deposits of {$15000.00} and total withdrawals of only {$2500.00}, further demonstrating that my account had more than sufficient funds to cover the Apple Card payment of {$6800.00}. Goldman Sachs based their denial on the wrong dates balance. I am requesting a full refund of the {$170.00} interest charge, as I made my payment on time with sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
My XXXX XXXX account was originally being collected by Ability Recovery Services. I had been making monthly payments to them. Later, XXXX XXXX notified me in writing that my account had been transferred to XXXX XXXX and that XXXX XXXX was no longer servicing the account through Ability Recovery. ( received the email on XX/XX/year> XXXX XXXX ) After the transfer, I paid the remaining balance in full directly to XXXX XXXX and received payment confirmation showing the account was paid successfully. ( total balance was {$800.00}, paid {$320.00} on XX/XX/year>, and the remaining balance of {$520.00} on XX/XX/year> ) Despite this, Ability Recovery Services continued attempting to collect on the same debt and tried to charge my bank account again. They also refused to remove my payment method from their system. When I called to explain that the account had been transferred and paid through XXXX, I was told I still owed Ability Recovery, that the debt could not be transferred, and they requested proof by mail even after I provided documentation. ( they are still reporting {$770.00} which is inaccurate ) I requested validation of the debt and proof that Ability Recovery still had authority to collect after the transfer, but they continued reporting the account and attempting collection. I am requesting that Ability Recovery stop collection efforts, update all credit reporting to reflect the correct status, remove any incorrect balance, and confirm that no further payment attempts will be made on this account.

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 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Nationwide Credit & Collection XXXX XXXX is attempting to collect a medical debt I do not owe. The debt originated from a XXXX XXXX XXXX XXXX XXXX bill ( Date of Service XX/XX/XXXX ) that was billed to me in error. The ordering provider, XXXX XXXX XXXX, acknowledged in writing on XX/XX/XXXX that the charge was a billing error and should not have been billed to me. On XX/XX/XXXX, XXXX XXXX XXXX XXXX confirmed by phone that the balance had been reversed and the collections referral retracted.Despite both providers confirming the debt was not owed, I have been receiving collection text messages from Nationwide Credit & Collection since approximately XX/XX/XXXX. I filed a written dispute on XX/XX/XXXX and a second written dispute on XX/XX/XXXX. I also mailed both disputes via XXXX XXXX Mail on XX/XX/XXXX, XXXX XX/XX/XXXX, I checked the XXXX XXXX payment portal and discovered that the account remains active at {$1700.00}, which is the full gross laboratory charge before contractual adjustments. This is XXXX times the {$170.00} that was ever billed to me, and even that amount was confirmed as not owed. The portal also shows a {$62.00} processing fee, bringing the total demand to {$1800.00}. Neither provider 's confirmed reversal is reflected in XXXX 's system.XXXX has not responded to either of my written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt of {$120.00}, which has already been paid.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX. I dispute this debt and request that you provide proper validation, including but not limited to : - The name and address of the original creditor - The full account number - The amount of the alleged debt, including a breakdown of any fees or interest - Copies of any agreement or contract bearing my signature - Documentation proving that you have the legal authority to collect on this debt Until you provide the requested validation, you must cease all collection efforts and communication with me as required by federal law. If you are unable to validate this debt, you must : XXXX. Cease all collection activity ; and XXXX. Notify any credit reporting agencies to which you have reported this debt to delete it immediately. Be advised that failure to comply with this request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action. This letter is not a refusal to pay, but a notice that your claim is disputed. Please provide the requested documentation within XXXX days. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Purchased a bouquet of flowers off of door dash for {$110.00} that arrived damaged and did not match the advertised pictures or description of the product. After reaching out to door dash I was told I would receive a refund but was never issued a refund. I reached out to capital one and disputed the charge but the charge was upheld. After reaching out to them again after disputing the charges with capital one and seeing the disputed charge reapplied. I was told that they would only issue me a store credit of XXXX dollars since it had been longer than their window of a refund allowed. This is After I was told on the phone I would be getting a refund. After resubmiting a dispute for the charge through capital one the dispute was once again refused. I received a damaged product and was lied to multiple times by customer service of both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint regarding multiple unresolved issues with my account at XXXX XXXX. 1. Funds Availability Mobile Check Deposit On XX/XX/XXXX, I deposited a check in the amount of {$1200.00} at XXXX XXXX XXXX through mobile deposit. Prior to making the deposit, I confirmed with a XXXX representative that {$270.00} would be made available the same day if the deposit was submitted before the cutoff time of approximately XXXX XXXX XXXX. My deposit met that requirement. However, no portion of the funds was made available as represented. XXXX has also consistently placed extended holds of 1014 days on my check deposits, which appears inconsistent with their stated funds availability framework. According to XXXX Mobile Check Deposit Agreement, existing customers are generally provided access to up to {$270.00} on the first business day for eligible check deposits. This was not followed in my case. 2. Unauthorized Transactions/ Reversal of Provisional Credit In XX/XX/XXXX, I reported unauthorized transactions on my account and was issued provisional credit. On XX/XX/XXXX, those credits were reversed. The disputed transactions consist of multiple small debits ( {$40.00}, {$35.00}, {$30.00}, and {$30.00} ) occurring between XX/XX/XXXX and XX/XX/XXXX. These transactions were processed through XXXX XXXX under the name A, which is not associated with me. I do not maintain or use XXXX XXXX, did not authorize these transactions, and did not benefit from them. These transactions occurred within the same timeframe and pattern as other charges that were investigated and already confirmed as unauthorized and refunded by XXXX. Despite this, these specific transactions were denied. I submitted an FTC Identity Theft Report along with supporting documentation and also filed a police report documenting the unauthorized activity. XXXX rejected the FTC report as invalid but did not provide any specific explanation identifying what requirement was not met. The lack of explanation, combined with the confirmed pattern of unauthorized activity, raises concerns regarding the adequacy and fairness of XXXX investigation. 3. Merchant Refund XXXX ( {$72.00} ) I am also disputing XXXX handling of a merchant refund from XXXX in the amount of {$72.00}. XXXX confirmed that a refund was approved but delayed pending the outcome of the dispute. I provided XXXX with documentation showing the refund status and dispute resolution. Despite this, XXXX has failed to process the refund or provide a clear explanation for continued denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Neighborhood Assistance Corporation of America ("NACA")
State: AZ

Complaint narrative:
Hi NACA, I wanted to reach out about the lien on my property. Im working to resolve things and would really appreciate your help in getting it released. If theres any remaining paperwork, clarification, or a payment we need to finalize, Im ready to take care of it right away. Removing the lien would make a big difference for me, and Im committed to making this as smooth and fair as possible for both of us. Please let me know whats needed on your end so we can wrap this up quickly. Thanks for your timeI appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
From XXXX to now my credit has been in debt with companies for sometime now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CA

Complaint narrative:
I provide website development services under XXXX XXXX. The payment in question was for creating a website for a customer, including setup, configuration, and 3 months of ongoing technical support. The work has already been completed. These are legitimate earnings from services rendered. There are no disputes, no chargebacks, and no fraudulent activity. I have submitted all requested documentation. Square has closed my account and is holding {$2500.00} of my funds. This situation is causing serious financial hardship and is affecting my health. Holding my funds for 90 days without clear and specific justification is unreasonable. I request immediate release of my funds. If this issue is not resolved promptly, I will pursue further regulatory and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a fraudulent transaction on my Chime account. On XX/XX/XXXX, my account was compromised by an individual named XXXX XXXX, resulting in the theft of my full paycheck $ XXXXjust after I received it from my employer, XXXX. I have submitted multiple disputes with Chime, providing screenshots of suspicious login activity and a police report. Despite this, my claims have been denied. I urge your office to investigate this matter urgently, as this theft has left me financially devastated and unable to provide for my children. Please advise on next steps. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
We are filing this new complaint against Rocket Mortgage XX/XX/XXXX on loan XXXX / XXXX. XXXX of events : - On XX/XX/year>, XXXX responded to our prior CFPB complaint ( XXXX ) and declared it meritless with no error occurred. - On XX/XX/year>, we filed complaint XXXX after Rocket locked our account and claimed our legal representation had contacted them. We have never retained or authorized any legal representation regarding this loan. - Rocket has continued to deny us all account access and has provided no explanation for the claimed litigation status. We are now attaching AFRs XX/XX/year> response signed by Chief Compliance XXXX XXXX XXXX. In that response, XXXX admits that the borrower never returned the signed Limited Release, Warranty of Completion, Termite Forms XXXX & XXXX, or Veterans XXXX Acknowledgment yet XXXX still certified the loan as complete and transferred it. Rocket has now been put on notice of AFRs own admission that the loan was never properly converted from construction to permanent status, but they continue to : - Enforce the default and collections - Completely deny us any access to the account - Refuse to provide any proof of valid certification or the escrow ledger - Claim our complaint is meritless while ignoring the false certification issue This constitutes ongoing RESPA servicing violations. We demand that Rocket : XXXX. Immediately restore full account access and provide all account documents. XXXX. Provide the missing VA certification documents and complete escrow ledger. XXXX. Provide all communications and correspondence between XXXX, XXXX, and XXXX regarding the loan transfer, completion status, escrow handling, and certification. XXXX. Conduct proper due diligence on the validity of the loan conversion ( including review of the attached XXXX XXXX response ). XXXX. Cease all collections activity and negative credit reporting until the origination defect is corrected. XXXX. Provide a full explanation of the litigation status referenced in their communications and any parties involved. We retain all rights under RESPA and the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a wire transfer of {>= $1,000,000} on the XXXX of XXXX from my Uncle.That money has been in his possession for years so i gave him to keep for me, as it was the proceeds left for me after my mom passed. so this is to state that the money is legitimate, as i am still in contact with my uncle. I withdrew {$8000.00} afterwards chase bank closed my account and sent me an account statement which says XXXX ENDING BALANCE. '' that means i am not expecting any check '' but till date they haven't refunded {>= $1,000,000} left upon the closing of my account back to my Uncle. I and my Uncle contacted my bank manager for a month now it seem to yield no positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Re : Unlawful Closure of Accounts XXXX XXXX XXXX XXXXXXXX Factual Background : On XX/XX/XXXX, at approximately XXXX XXXX EST and again at approximately XXXXXXXX XXXX EST, two XXXX transactions totaling {$75.00} were processed from my account without my authorization. On XX/XX/XXXX, I promptly reported these unauthorized transactions to Capital One. My claim was denied on XX/XX/XXXX. In subsequent communications, Capital One stated that its decision was based on login history evidencing authorization and/or participation in the electronic activity, but did not provide supporting documentation despite my requests. Statement of Concerns : Capital One failed to adequately investigate my claim of unauthorized electronic fund transfers. Capital One has not provided documentation or a clear explanation of its findings upon request, as required under applicable federal regulations governing electronic fund transfer disputes. Capital One relied on unspecified login history without furnishing evidence to support its conclusion. Following my dispute, Capital One closed my account and reported negative information, which I believe was unjustified given the unresolved nature of the unauthorized transactions. Demand for Resolution : To resolve this matter, I request that Capital One : Reimburse the {$75.00} in unauthorized transactions ; Provide copies of all documentation relied upon in denying my claim, including any records of login activity or device authentication ; Clarify the basis for account closure and any reporting made to consumer reporting or banking databases ; Allow me to reopen a new checking & savings account. Notice of Intent : If this matter is not resolved within 30 days of receipt of this letter, I intend to file formal complaints with the New York State Attorney General, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency. Along with the promise of legal action will be taken ; It is important that you understand that I have credible evidence and documentation that holds merit to support my case. Please direct all communications regarding this matter to me in writing. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation, including but not limited to : - The name and address of the original creditor - The full account number - The amount of the alleged debt, including a breakdown of any fees or interest - Copies of any agreement or contract bearing my signature - Documentation proving that you have the legal authority to collect on this debt Until you provide the requested validation, you must cease all collection efforts and communication with me as required by federal law. If you are unable to validate this debt, you must : XXXX. Cease all collection activity ; and XXXX. Notify any credit reporting agencies to which you have reported this debt to delete it immediately. Be advised that failure to comply with this request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action. This letter is not a refusal to pay, but a notice that your claim is disputed. Please provide the requested documentation within XXXX days. Sincerely, XXXX 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