vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have a payment on my cashapp account that is eligible for XXXX. I provided pictures proving that afterpay is available to me. So I went to the store I purchased from and tried to get a refund that cashapp is also refusing to give me Attachment 1 is purchase available for afterpay Attachment 2 is showing XXXX is available to me Attachment 3,4, & 5 is showing cashapp support person isnt helping, basically telling me to " drop it and forget about it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
RECMGMT SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research RECMGMT SRVC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a {$5000.00} personal loan through USAA and was approved the money was then funded to my account the following Friday the XXXX that following Monday XX/XX/XXXX I transferred the Loan of XXXX to my savings for safe keeping. Later on the XXXX I received a call from who I thought was USAA telling me I had fraudulent activity on my account. Ask me verification question to prove I was the account owner. The ask me to go to the bank and take my money out to protect it. They spoke with my dad and knew his name. On my way to the bank I was checking my account I saw my savings account funds where moved from savings to check to the amount of {$5700.00}. I asked if they had moved the money which they confirmed. Then they congratulated me on my personal loan. Still on the phone at the bank I was told part of the fraud was the teller not following the rules. And they want to catch them real time while doing this so I need to transfer the money to a holding account instead. Under duress I transferred {$6000.00} dollars plus XXXX for process. Which all of my savings Plus the loan plus my paycheck. After which I was direct to another bank to there withdraw the money back. Once I arrived the call was cut. I call USAA back immediately and the said I wasn't talking to them but a scammer. I ask to meet me freeze my account and lock everything down reset everything username password and my card. Then dispute the charge of XXXX. On the XXXX I received a temporary credit. XXXX of XXXX I received a document stating they were removing my temporary credit on the XXXX. I call the following Monday XXXX and ask why? They said a Scam is not fraud. For it to be fraud a third party would have to move the money. In which case later that day the XXXX I disputed the transfer from my savings to my checking of the amount {$5700.00}. In which case they said was fraud on XX/XX/year> but I would not receive a credit for the {$5700.00} because the funds were then used later. In the {$6000.00} scam. When I then push for a document reason the {$6000.00} was not a fraud. The documents stated that the it was not fraud cause no other unauthorized activity happened after the dispute was made. At that point I only had about {$100.00} left so yeah they where not going to come back for that. And during this hole ordeal they continuously mess the dates up.

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 2026-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo was instructed to not renew a CD prior to maturation. Funds were reinvested without any notification to a highly substandard rate. Multiple international calls were made from my military base in XXXX to Wells Fargo at my expense to request the funds be returned. This was refused unless I visit a branch which doesnt exist in my current country or even my continent. Ive received zero response after 30 days and verification Well Fargo received the request and prior complaint from XXXX. They are aware the behavior is injurious and refusing reasonable accommodation to return funds and continue the injury to the customer. There are NO branches in XXXX XXXX. Hundreds of minutes of international calls have been made to Wells Fargo and zero branches are available by phone.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
A collection account was reported to my credit file without any prior written notice or communication from the collection agency, by MIDLAND CREDIT MANAGEMENT INC in the amount of {$1600.00}. I never received a validation notice, billing statement, or any form of written contact before or after the account was reported. This collection agency has never validated the debt despite reporting it to the credit bureaus. I was denied my right to dispute and validate the debt before credit reporting occurred. Reporting a debt without providing proper notice and validation violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 623 ). 
I am requesting full deletion of this collection account from all credit bureaus due to failure to provide legally required notice and failure to validate the debt. The collection account is being reported with Midland Credit Management listed as both the collection agency and the original creditor. This is factually incorrect and misleading. Midland Credit Management is a debt buyer and third-party collector, not an original creditor. Listing themselves as the original creditor misrepresents the origin and legal status of the alleged debt. I never entered into any original agreement with Midland Credit Management. This inaccurate reporting violates FDCPA 807 and FCRA 623 ( a ), and renders the account unverifiable. Purchasing a debt does not make a company the original creditor. Reporting Midland Credit Management as the original creditor remains false and misleading. Since the account is inaccurately reported and unverifiable, continued reporting violates the FCRA. I am reiterating my request for deletion. Additionally, no validation notice or written communication was ever sent to me prior to reporting this account. Due to materially inaccurate reporting and failure to validate, I am requesting immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One on XX/XX/XXXX to further discuss my concerns & struggles with maintaining my Credit Card Balance. Account ending in XXXX. Throughout the year XXXX, I was charged a Total of {$100.00} in Fees & {$470.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
My account was under a settlement agreement that was nearly paid in full. In XX/XX/year>, the company stopped my authorized autopay without notice. When I noticed the missed payment, I began calling in XX/XX/year> to resolve the issue. 

From XXXX through XX/XX/year>, I made several phone calls and left multiple voicemails requesting clarification on my account status, settlement balance, and how to resume payments. I did not receive any return calls or written communication. 

On XX/XX/year> at XXXX XXXX, I emailed support requesting a call back after two weeks of unsuccessful contact attempts. 

I later visited the dealership and was informed that accounts were being transferred and that someone would contact me ; however, I still received no communication regarding the transfer, settlement status, or payment instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding serious servicing failures, refusal to provide required loan documentation, and the attempted collection of an unverified and disputed reverse mortgage balance. 

The subject loan is an XXXX XXXX XXXX XXXX Mortgage ( XXXX ). In or about 2018, the then-servicer, XXXX XXXX XXXX XXXX XXXX, issued written correspondence asserting that the loan was due and payable. In response, my family transmitted written correspondence via facsimile in 2018  to XXXX requesting information and documentation regarding the loan. I possess proof of successful fax transmission. XXXX never responded and never produced the requested records. 
For the seven ( 7 ) years following the 2018 due-and-payable notice, there was no foreclosure activity, no follow-up notices, no periodic certifications, and no further communication indicating that the debt was due. XXXX later transferred servicing of the loan to XXXX XXXX. 

XXXX is now asserting an alleged payoff exceeding {$660000.00}, while simultaneously refusing to provide the complete loan file, servicing history, or documentation supporting the balance. Despite written requests, XXXX has failed to produce : The complete servicing history Due-and-payable notices and proof of regulatory compliance Accounting supporting interest and fee accrual XXXX servicing records XXXX insurance and claim documentation XXXX is known to have been involved in major federal enforcement actions and litigation involving systemic reverse mortgage servicing failures, and was later terminated from HUD programs. This raises serious concerns that the loan file may be incomplete, improperly transferred, or noncompliant with HUD regulations. 

XXXX refusal to provide documents prevents verification of : Whether acceleration was valid or later waived Whether interest and fees were properly accrued Whether XXXX servicing regulations were followed Whether the payoff amount is accurate or enforceable Despite the unresolved dispute and lack of validation, XXXX continues to assert a large payoff amount and has not frozen interest or fees. 

I am requesting that the CFPB require XXXX to : Produce the complete loan and servicing file, including all XXXX records Provide a full life-of-loan accounting Explain the basis for the alleged payoff Cease collection activity until the debt is properly validated This complaint involves successor servicer liability, failure to provide information, and attempted collection of an unverified debt in violation of federal servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a fraud incident involving Zelle and the subsequent removal of my Zelle access ( tokens ), which I believe was done unfairly despite my being a victim of fraud. 

On or about XX/XX/year>, I was the victim of unauthorized and fraudulent Zelle transactions. These transactions were not initiated or approved by me, and I reported the fraud promptly to my financial institution and followed all required steps to secure my account. 

Despite my cooperation and timely reporting, my Zelle access was removed, and my Zelle tokens were deactivated Around XX/XX/year>. This action has caused significant inconvenience and hardship, as I relied on Zelle for legitimate and lawful transactions. I believe I am being penalized for criminal activity committed by a third party, through no fault of my own. 

I respectfully request that this matter be reviewed thoroughly and fairly. I am asking for my Zelle access and tokens to be reinstated, as I was a victim of fraud and not responsible for the unauthorized transactions. I am fully willing to comply with any additional verification, security measures, or documentation required to restore my access. 

Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in helping resolve this issue and ensuring fair treatment for consumers affected by electronic payment fraud. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: NY

Complaint narrative:
I used PayPal Credit with a XXXX promotional financing option ( issued by Synchrony Bank ) to purchase XXXX glass bear mugs from an XXXX seller XXXX XX/XX/XXXX, for approximately {$5000.00}. The order was delivered on XX/XX/XXXX, in eight boxes. Four of the boxes were visibly torn and damaged upon delivery. When opened, I discovered that XXXX of the glass mugs were broken inside their inner packaging and unusable. 

I contacted the seller immediately on XX/XX/XXXX, and provided photos and videos documenting the damaged boxes and broken items. The seller acknowledged the damage, apologized, and advised me to be careful due to broken glass. Over the following weeks, the seller repeatedly delayed resolution by escalating and changing proof requirements, including requests for additional photos of all damaged units and later demanding a live video call, despite extensive documentation already provided. 

The seller later offered a replacement, but this offer was made only after weeks of delay. These items were purchased for time-sensitive holiday use, and by the time a replacement was discussed, the holiday period had passed, making a replacement no longer a reasonable remedy. 

I attempted to resolve the issue through PayPal, but the dispute was denied on eligibility grounds rather than through a factual review of the damage. I have mailed a certified written billing dispute under the Fair Credit Billing Act and am requesting that Synchrony Bank properly investigate and resolve this billing dispute related to the damaged goods.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I am the Personal Representative and sole heir of the Estate of XXXX XXXX XXXX, deceased. I am submitting this complaint due to American Expresss continued failure to respond to an estate-related issue despite significant patience and repeated follow-up on my part. 

In agreement with American Express ' own estate administration agent, who stated I could recieve the full balance of the deceased roughly XXXX American Express points and make a one time points transfer to a partner account. I was an additional card holder on this account, and had full access at all times to points balances. In good faith, the estate paid the balance in full and was given direction that included a date, time and phone number to call ( XXXX weeks ) for the claim against the estate to be released and the points transfer could happen. 

Following that guidance, the call was placed as instructed, and the department representatives claimed that was innacurate information ( as a consumer, that is not my problem if an agent provided wrong information ) then moved my case to a supervisor who stated that I send an email, letter that included all the details and the matter would be handled within 7-10 business days and the request would be fullfilled. That was on XX/XX/XXXX. Since then, zero communication or action from American Express. It is now XX/XX/XXXX. I've sent follow up emails, requesting updates and phone calls - no response. 

I have been patient and reasonable throughout this process. However, American Expresss lack of communication and failure to meet its own stated response timeline has created unnecessary delay and administrative burden during an already complex estate process. This is a disrespectful way to treat a consumer already dealing with the loss of a spouse. 

This issue is also time-sensitive. Due to American Expresss inaction, the original intent of resolving this matter in a timely manner including potential use of Membership Rewards tied to pre-existing travel plans has likely been rendered ineffective. 

As Personal Representative, I am legally obligated to resolve estate assets and liabilities. XXXXmerican Expresss prolonged non-responsiveness has interfered with my ability to carry out those duties efficiently and responsibly. 

I am requesting that American Express : Immediately assign this matter to an appropriate estate or executive resolution team Provide a substantive written response addressing the estate-related issue Resolve the matter without further delay and address why I've been ignored since XX/XX/XXXX. 

I am submitting this CFPB complaint only after exhausting reasonable and repeated attempts to resolve this issue directly with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by [ XXXX ] and the furnisher [ Ally Financial ].

I disputed the accuracy of the reported late payment information on my Ally auto account. I made my payments on time and do not owe any past due balance. Despite providing evidence, the credit bureau continues to report the account inaccurately.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), credit reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. The bureau has failed to correct or delete the incorrect information, even though the furnisher has not verified the alleged late payments.

This inaccurate reporting is negatively affecting my credit score, my ability to qualify for credit, and causes financial harm. I am requesting assistance to require the bureau and furnisher to properly investigate and correct or delete this unverifiable information. 

I am attaching screenshots of my report and supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: Block, Inc.
State: TX

Complaint narrative:
I was charged twice for my phone bill called XXXX and they said they would issue a refund, they didn't and applied it as store credit. And then I filed a claim on cash app and they denied it even though i sent them proof of XXXX saying they were returning the money. I tried talking to cash app about it and they keep telling me the same generic responses.

Company response to consumer: Closed with explanation