vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello On XX/XX/year>, I purchased a XXXX gift card from XXXX using my Discover credit card. The transaction was authorized. The gift card was given as a gift on XX/XX/year>. Shortly after, I was informed that there was an issue with the card. I contacted the XXXX XXXX, and a store manager confirmed that the card had likely been tampered with prior to purchase. This appears to be part of a known gift card draining scam, where criminals steal card numbers and PINs from cards displayed in stores and use the funds once the card is activated. Additionally, I noticed that the number on the physical gift card did not match the number on the packaging, further indicating that the product had been altered before purchase. The store advised me to dispute the charge with my credit card issuer. I then contacted Discover and filed a dispute. Discover denied my claim, stating that because the transaction was authorized, it does not qualify as fraud. However, I am not disputing an unauthorized transaction. I am disputing that I received a defective or compromised product that was not as described at the time of sale. Despite explaining this, Discover did not investigate the issue as a defective merchandise claim and instead treated it only as a fraud claim, which led to the denial. I have also filed a complaint with the Federal Trade Commission regarding this incident. As a result, I paid for a product that was compromised prior to purchase, and neither the merchant nor the credit card issuer has resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: VIAMERICAS CORPORATION
State: NJ

Complaint narrative:
I sent an amount of cash to XXXX through " Viamericas Money Transfer '' and they did not deliver the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
b'I am writing this letter to accompany supporting documentation that a payment for $XXXXXXXX XXXX XXXX) was generated for account ending in XXXX on XXXX XXXX XXXX, and mailed by certified receipt to PayPal Credit Services, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXX. The tracking number for the USPS is XXXX XXXX XXXX XXXXXXXX XXXX XXXXThis check for payment was generated from my servicing XXXX XXXX XXXX XXXX Escrow Account and reflects check number XXXX XXXX XXXX. My name and address are reflected on the check ledger/stub (XXXX XXXX). This is the address the payment was mailed to is listed on the billing statement for PayPal Master Card account ending in XXXX XXXX XXXX).\nThe payment was account ending in XXXX was received by PayPal Credit Services on XXXX XXXX XXXX, and is reflected in the USPS tracking statement for item XXXX XXXX XXXX XXXX XXXX XXXX (XXXXXXXX XXXX).\nI have spoken to PayPal Master Card customer service on multiple occasions to which they have confirmed that the payment identified above was received (recorded audio available on request). There have also been multiple disputes initiated because of failure to credit the payment to account ending in XXXX.\nThis payment was received (XXXX XXXX) but not credited. Please resolve this issue immediately or provide formal proof of non-credit to the address listed herein. As a federally regulated bank, Synchrony Bank may be subject to escalation under the below applicable statutes, to include potential civil action.\nFair Credit Billing Act (FCBA) 15 U.S.C. 1666, Truth in Lending Act / Regulation Z (12 CFR 1026.10), Federal Trade Commission Act (Unfair or Deceptive 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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>XXXX I initiated a balance transfer of {$3500.00} from Barclays to make a payment on my XXXX XXXX card. XXXX XXXX also charged me a {$170.00} transfer fee. XXXX XXXX sent my {$3500.00} to the wrong account, an account held by XXXX, an account that I do not own and that is unknown to me. XXXX XXXX did not catch their own mistake. I have called XXXX XXXX customer service six times to voice my displeasure and concern and check on their progress. I also sent them a letter using XXXX Priority Mail, Each time I called I have been told the case is being escalated and that I should have an answer within fourteen days. Each time I called they promised a call-back within five business days. However, with each new call it becomes clear there was no previous escalation or investigation, and no one ever calls me back as promised. I then received a letter stating that XXXX XXXX will need 60 days or more to decide IF I get my {$3500.00} back. ( plus the {$170.00} fee ) My research shows that correcting balance transfer errors should take a bank from five to twenty days, with five to seven days being the average. This error occurred on XX/XX/year>, over eight weeks ago, and XXXX XXXX has clearly not taken any steps to rectify the problem and credit me both the {$3500.00} and the {$170.00} transfer fee. Although promised many times, XXXX XXXX has never called me with a progress update, not even once, throughout this process. I have only received a form letter in my account documents that said basically nothing. My last conversation with XXXX XXXX was on XX/XX/XXXXXXXX XXXX At that time they told me yet again that my case was being escalated and investigated, and that there did not appear to be any previous escalations in their notes. They promised a call back in four days. They did not call me back as promised.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
This debt has been legally settled, and I do owe any balance to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding the response I received from Fair Collections and Outsourcing ( FCO ) concerning the alleged account referenced as XXXX XXXXXXXX, originally with XXXX XXXX. Your response dated after my complaint fails to constitute proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). FCO states that it is a third-party collection agency and does not own the debt, yet continues collection activity without providing sufficient documentation to establish : Proof of a valid contractual obligation bearing my signature A complete and itemized accounting of the alleged balance of {$10000.00} Documentation evidencing how this balance was calculated Proof of legal authority to collect on behalf of XXXX XXXX Any agreement between myself and FCO Evidence of damages or charges ( if this is related to a rental/lease obligation ) Additionally, your reliance on 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) to justify access to my consumer report is improper without first establishing a valid and verifiable account relationship. Accessing or furnishing information to consumer reporting agencies without proper validation may constitute a violation of the FCRA. At this time, I formally dispute this alleged debt in its entirety. Furthermore, continued collection efforts without proper validation, including any reporting to consumer reporting agencies, may constitute violations under federal law, including but not limited to : Misrepresentation of the character, amount, or legal status of a debt Failure to provide proper validation upon request Continuing collection activity on a disputed and unverified debt I am demanding that Fair Collections and Outsourcing immediately : Cease all collection activity until proper validation is provided Provide full and complete validation of the alleged debt as outlined above Cease reporting this account to any consumer reporting agency until validation is completed Remove any negative reporting associated with this account if it can not be properly verified If these matters are not addressed promptly, I reserve the right to pursue all available remedies, including filing claims for statutory damages, actual damages, and any other relief available under applicable federal and state laws. This letter serves as a formal record of dispute and notice of potential violations. I expect a timely and compliant response. ( I NEED TO SEE PROOF ) HEARSAY REMOVE THIS ACCOUNT /FCO IS A DEBT COLLECTOR/THE DEBT WAS SOLD TO FCO. THEY ARE HARASSING ME. SO I HIGHLY SUGGEST REMOVE IF YOU CANT PROOF WHAT I AM ASKING FOR.

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 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( I originally closed my loan with XXXX XXXX Home Loans ) serviced my loan until I refinanced on XX/XX/XXXX. I am now trying to refinance again and when my title company pulled a XXXX history the release of XXXX by XXXX XXXX XXXX XXXX was not filed with the county. When I view the XXXX XXXX recorders office, there is a lien from XXXX XXXX ( they transferred my loan to XXXX ) but there is not a release of XXXX. I tried calling XXXX XXXX XXXX XXXX at XXXX on Tuesday, XX/XX/XXXX and several times on Thursday, XXXX and entered my social security XXXX as well as the loan XXXX from my payoff and the automated system states they can not find a past or present loan with that information so to call back when I have the correct info. I am stuck in this loop and it does not allow me to speak to a a customer service representative. I found an email address ( XXXX ) for customer inquiries and emailed them on XX/XX/XXXX and attached my payoff quote from XXXX that reflected my name, full property address and their loan number and received a response on XXXX stating they are unable to locate an account under the property address and/or borrower information provided. On XXXX I replied to them and asked them how that could be considering I have a payoff that showed I was previously a customer of theirs and attached the payoff again. On XXXX they restated the same thing they are unable to locate an account under the property address and/or borrower information provided and provided a customer service number but that number went to Rocket Mortgage, not XXXX. On XXXX, I brought this to their attention and expressed my frustration and on XXXX and asked that someone call me and I supplied my phone number, they replied with the same response that they are unable to locate an account under the property address and/or borrower information provided. I emailed them back on XXXX and told them I have tried calling the number XXXX and could not reach anyone and again expressed my frustration as well as providing the payoff once again that was sent by their company, they then replied with the same message they are unable to locate an account under the property address and/or borrower information provided. I then stopped emailing them because it was a not getting me anywhere. I am extremely frustrated because I can not move forward with my refinance until this issue is resolved. It also makes me feel extremely uneasy that my title is not perfected and I do not have the correct information reflecting in the recorders office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for unethical business practices, lack of transparency, and a fraudulent claim made against me with no evidence provided to support it. Approximately XXXX years ago, Cash App closed my account without just cause. To date, they have failed to provide any clear evidence, documentation, or explanation to support the claims they have directed against me as the basis for this account closure. I have repeatedly requested transparency asking them to show proof, evidence, or any backup to their claims and they have refused to do so. I have communicated with Cash App directly via email, demanding that they provide evidence to substantiate their position. Their responses have been dismissive and have not addressed my requests. This constitutes a pattern of unethical business conduct, as they are holding me accountable for claims they can not and will not support with any documentation or transparency. As a customer, I have rights including the right to understand why my account was closed and to see any evidence used against me to justify that decision. Cash App has violated those rights. I am requesting the following resolution : XXXX. Cash App must provide clear, documented evidence to support any claims made against me. XXXX. If no evidence can be provided, the claim against me must be dismissed immediately. XXXX. My account must be reviewed for reinstatement or a full explanation must be given in writing. XXXX. Cash App must acknowledge their lack of transparency and commit to fair, ethical practices going forward. I have preserved all correspondence related to this matter and am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if a satisfactory resolution is not reached. I expect a timely and transparent response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX : Account Number : N/A Last four digits of social : XXXX To Whom It May Concern, I am writing in response to your attempt to collect a debt that you claim I owe. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided with sufficient information to verify the validity of this alleged debt. As such, I formally request that you provide the following : Verification of the debt, including proof that I am legally obligated to pay The name and address of the original creditor A complete, itemized statement of the alleged balance, including any fees, interest, or additional charges Documentation bearing my signature showing that I agreed to this debt Proof that your company is authorized to collect on this debt Until you provide proper validation, I request that all collection efforts cease immediately. Additionally, if this account has been reported to any credit reporting agency, including XXXX XXXX XXXX XXXX, I demand that it be marked as disputed in accordance with federal law. If you are unable to provide the requested validation, you must delete any reference to this account from my credit reports. Please be advised that failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau and my State Attorney General. I request that all future communication be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I am disputing an inaccurate and inflated debt being reported and collected against me. The company is claiming that I owe approximately {$20000.00} related to a prior rental account. This amount is incorrect. The actual amount owed, if anything, was approximately {$6000.00}, which represents XXXX months of unpaid rent. The remaining balance being reported appears to include unauthorized, unsupported, or improperly calculated charges that were never agreed to, itemized, or validated. I have not been provided with a proper breakdown of this alleged {$20000.00} balance, nor any documentation showing how this amount was calculated. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the debt has not been properly validated and is being inaccurately reported. I am requesting : XXXX. Full validation of the alleged debt, including a detailed itemization of all charges. XXXX. Proof of any agreement or lease supporting the additional charges beyond the original rent owed. XXXX. Immediate correction or removal of any inaccurate information being reported to credit bureaus. If the company can not provide proper documentation supporting the full balance, this account must be corrected or removed entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I was notified by my mortgage company of a lien on my property placed by this company. I requested a payoff letter of the debt via phone on XX/XX/XXXX the number i spoke with a rep on was XXXX. On XX/XX/XXXX I phoned the office again the agent provided me the email address XXXX and verbiage to use to request the payoff letter I sent the email and received a response that my request was received and the letter would be received in 1-2 business days. I phoned XXXX on XX/XX/XXXX and spoke with a rep they advised they received the request and to send another email to XXXX. I received a response from that email acknowledging my request and to allow 1-2 business days. On XX/XX/XXXX I called the office in which i was placed on hold for XXXX. I sent a follow up email on XX/XX/XXXX inquiring why I still hadnt received the payoff request letter. I received a response on XX/XX/XXXX advising my request was received. To date I have not received the requested payoff letter of the debt showing the balance owed in order for t he lien to be removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Sent 1 letter a month since XXXX requesting proper verification including witnesses to verify this debt, plus multiple letters advising to remove from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX and their handling of deferred interest charges tied to a promotional financing agreement. I used XXXX XXXX to finance a dental procedure under a promotional no-interest period. After the promotional period expired, {$3200.00} in deferred interest was applied to my account. I paid the remaining balance in full shortly after the promotional period ended and before the next billing cycle ; however, the deferred interest was still assessed. I then contacted XXXX multiple times to request a goodwill adjustment or reconsideration of these charges. I have spoken with four different representatives, and in each instance my request was denied without meaningful review. Additionally, the interactions were unprofessional and dismissive. For context, I had a similar financing arrangement with XXXX for the same procedure under comparable promotional terms. After I paid the balance, XXXX granted a one-time courtesy waiver of {$10000.00} in deferred interest. This demonstrates a reasonable, customer-focused approach when a borrower acts in good faith to resolve their obligation. I am not disputing that the deferred interest was applied based on the terms of the agreement. However, I am requesting a fair, good-faith review and discretionary adjustment, particularly given that I satisfied the balance promptly and have made repeated efforts to resolve this directly. I am requesting that XXXX XXXX : XXXX a formal review of my account at an escalation or executive resolution level Provide a one-time goodwill waiver or adjustment of the {$3200.00} in deferred interest Review and address the quality and professionalism of prior customer service interactions I have acted in good faith by paying the balance and attempting to resolve this directly. I am seeking fair and equitable treatment consistent with common industry practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
several multiple letters every month since XXXX, only received bill summary- this is for 2 accounts with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation