vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding the handling of a disputed transaction and the delayed refund involving my Revolut account, which is governed by XXXX XXXX. On XX/XX/year>, I made a purchase from XXXXXXXX XXXX XXXX XXXXXXXX for {$790.00}. Upon receiving the item, I discovered that it was incomplete, with missing parts. Despite multiple attempts to resolve the issue directly with the merchant, they initially refused to issue a refund. As a result, on XX/XX/year>, I filed a dispute through the Revolut app, requesting that the transaction be reversed due to the receipt of incomplete merchandise. As of today, this dispute remains open. After continued efforts, I eventually got the merchant to agree to accept the return and process a refund. The merchant confirmed that the refund was issued on XX/XX/year>. However, as of the date of this complaint, the funds have not been credited back to my account. I contacted RevolutXXXX XXXX on XX/XX/XXXX and XX/XX/year>, and provided documentation confirming that the merchant had issued the refund. Despite this, the bank has refused to post the refund to my account or provide a clear explanation for the delay. This matter has now been ongoing for nearly two months, causing significant inconvenience and financial concern. On XX/XX/year>, I also followed up again with the merchant to reconfirm that the refund had been processed on their end. Given the circumstances, I am requesting the following : * Immediate investigation into the status of my refund * Prompt posting of the {$770.00} refund to my account * A clear explanation for the delay and failure to properly handle this dispute * Assurance that appropriate procedures are followed in handling consumer disputes and refunds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCAR INC.
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: WA

Complaint narrative:
The account is associated with an address in XXXX, Washington, where I have never lived or had any connection. This account was opened in XXXX, during which time I was residing in XXXX, Washington. I have lived at my XXXX address since XXXX and had legitimate XXXX service at that location. As part of my fraud claim, I provided a copy of my lease confirming my residence, along with police reports filed with both the XXXX XXXX XXXX and the XXXX XXXX XXXX. Given this documentation, it is clear that this account is the result of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: KY

Complaint narrative:
I am filing a formal complaint against Abound ( XXXX XXXX ) regarding two failed remittance transactions totaling {$10000.00} USD. These funds were debited from my bank account but have not reached the recipient and have completely disappeared from the provider 's application. Transaction 1 ( Primary Issue ) Date : XX/XX/2026 Amount Debited : {$5000.00} USD Bank Reference ID : XXXX Status : This transaction is completely missing from the Abound app history. I received a confirmation email from XXXX at XXXX XXXX on XX/XX/XXXX, and the funds were withdrawn from my XXXX XXXX XXXX account . However, there is no record of this transaction in the app. Transaction 2 Date : XXXX XXXX XXXX Amount Debited : {$5800.00} USD Bank Reference ID : XXXX Status : I received a confirmation email on XX/XX/XXXX, and funds were debited on XX/XX/XXXX. Similar to the first transaction, this transaction is not showing correctly in the app 's activity log. Issue with Customer Support I have repeatedly contacted Abound Customer Support regarding the missing {$5000.00} transaction. They refuse to investigate without a Transaction ID. However, since the transaction is not visible in their app, it is impossible for me to provide a system-generated Transaction ID. I have already provided : Bank Reference IDs Email confirmation timestamps Despite this, they have refused to manually track the funds or acknowledge a potential technical issue Key Concern It is unreasonable to expect a customer to provide a Transaction ID for a transaction that the company 's own system is failing to display.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding my loan account currently being serviced by Systems & Services Technologies , Inc. I previously contacted the servicer via email as well as through certififed mail back on XX/XX/year> in writing to request specific information about my loan, including the identity of the current owner or investor. In response, I was provided with documentation related only to the origination of the loan. This did not address my request. To date, I have not been clearly informed of who currently owns or holds my loan. This lack of transparency is preventing me from fully understanding my account and exploring appropriate resolution options. Additionally, I have expressed to the servicer that I am unable to afford the current daily interest accrual {$9.00} and monthly payment amount {$530.00}. Despite this, I have not been provided with clear information regarding hardship programs, alternative repayment plans, or potential settlement options. I am seeking assistance in obtaining the following from the servicer : * The name, address, and contact information of the current owner or investor of my loan * A complete and accurate payoff balance, including all accrued interest * A detailed breakdown of the daily interest being charged * A clear explanation of my current monthly payment obligations * Information regarding all available repayment, hardship, or settlement options I am attempting to resolve this matter in good faith, but the servicers failure to provide complete and accurate information has made it difficult to move forward. I am getting calls daily from them in an attempt to collect a debt, currently I am 9 days past due on my current payment. They report to the credit bureau and I am struggling to afford this as a single mom of two and nglecting to pay other important bills to maintain good credit history. I respectfully request that the Consumer Financial Protection Bureau assist in ensuring that the servicer provides the requested information and works with me toward a reasonable and affordable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am submitting this complaint regarding a mortgage servicers handling of a loss mitigation application and loan modification review. After applying for mortgage assistance, I received a formal written determination from the servicer. In that same correspondence, the servicer issued conflicting and contradictory decisions regarding my eligibility for assistance. Specifically : - The letter states that I was approved for a standalone loan modification and placed into a trial payment plan requiring monthly payments and an affordability attestation - At the same time, the letter lists multiple denials for other loss mitigation options, citing reasons such as : - ( insufficient financial capacity ) - Hardship resolved - Payment exceeding investor guidelines These statements are inconsistent. Approval of a loan modification and trial payment plan necessarily implies that affordability and eligibility requirements were met. The simultaneous denial reasoning directly contradicts this conclusion. Additionally : - I was instructed to submit a Borrower Affordability Attestation, affirming the modified payment is affordable- I was provided a specific payment schedule, reinforcing that the modification was approved - The servicers communication created reasonable reliance that the modification decision was final and valid This situation raises serious concerns, including : - Inaccurate or inconsistent evaluation of financial eligibility - Deficient communication practices- Potential violations of mortgage servicing and loss mitigation regulations under federal guidelines I am requesting : 1. A formal review of the servicers determination and internal decision-making process 2. Clarification of how contradictory approval and denial findings were issued in the same decision 3. Confirmation that approved loss mitigation options are honored when borrowers rely on them 4. Appropriate corrective action if errors or regulatory violations are identified This issue has caused confusion and undermines confidence in the mortgage servicing process. I am seeking a clear and consistent resolution. Sincerely, A Concerned Borrower

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a credit card account by Bank of America. This account is currently being reported as a charge-off ( XX/XX/XXXX ) with an approximate balance of {$1200.00}. However, the reporting is inconsistent and does not accurately reflect the account history. During XXXX through XXXX XXXX, I was actively making monthly payments ( generally between {$80.00} {$100.00} ) under a payment arrangement. These payments included electronic payments and scheduled transfers, demonstrating continued effort to resolve the balance. Despite this, the credit report reflects {$0.00} payments for several months and does not accurately reflect my actual payment activity. In addition, the account is reported with a payment history indicating never late, while simultaneously being classified as a charge-off. A charge-off typically follows a period of significant delinquency, which is not reflected in the reported payment history. There was only a brief timing issue with one scheduled payment, not a prolonged failure to pay or abandonment of the account. This creates an inconsistency between the account status and the reported payment history. I am requesting that Bank of America : Verify the full and accurate payment history for this account Correct any inaccurate or incomplete reporting Update or remove the charge-off status if it can not be properly verified as accurate and consistent I have supporting documentation showing my payment activity and request that it be reviewed as part of this investigation

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am a personal private banking client of Citibank, N.A., with an established relationship manager. In connection with a residential renovation project at my home at XXXX XXXX XXXX, XXXX, Georgia XXXX, I have paid my contractor, XXXX XXXX XXXX, by wire transfer on a recurring basis for approximately six consecutive months prior to the XX/XX/year> transfer at issue. Each of those prior wires was directed to the same bank and account number established, consistent standing instructions that Citibank processed as routine transactions over that period. Unbeknownst to me, my personal email account had been compromised as part of a business email compromise ( BEC ) scheme. Fraudsters intercepted a legitimate invoice from XXXX XXXX XXXX and reissued it with altered wire instructions directing payment to a fraudulent account at XXXX XXXX a bank that had never previously appeared in any wire instruction I had provided to Citibank for payments to XXXX XXXX XXXX. I forwarded what I believed to be a legitimate invoice to my Citibank private banker with a request to execute the wire. The email chain I forwarded visibly contained two email addresses utilizing a spoofed domain in which a single character had been substituted in the XXXX domain name to produce a lookalike address designed to impersonate my contractor. These spoofed addresses were present and visible within the email chain received by my private banker. Rather than applying heightened scrutiny to what was an abrupt and unexplained departure from six months of consistent standing wire instructions to a different bank, with a different account number, embedded in an email chain containing anomalous sender addresses Citibank applied its standard wire callback procedure. That callback confirmed with me the XXXX amount and the new XXXX XXXX account details. It did not constitute independent verification of the changed beneficiary account. It confirmed back to me only the fraudulent information I had myself received and forwarded, without any independent outreach to XXXX XXXX XXXX to verify that the banking details had in fact changed. On XX/XX/year>, {$160000.00} was wired to the fraudulent account. Following discovery of the fraud, {$82000.00} was recovered via wire recall. The remaining {$82000.00} was withdrawn by the fraudsters before recall was completed and has not been recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a new complaint due to continued non-compliance and inaccurate reporting after my previous dispute and formal enforcement efforts. I previously disputed an alleged debt associated with XXXX / XXXX XXXX ( account ending in XXXX ), now reported and collected by LVNV Funding LLC and serviced by Resurgent Capital Services. I requested proper validation of this debt. The response I received consisted only of a generic account summary and did not include a signed agreement, full account-level documentation, or a complete chain of assignment establishing legal ownership and authority to collect. After receiving this insufficient response, I sent a formal notice of non-compliance via certified mail, which was delivered on XX/XX/year>. Despite this, the company has continued to report the account and attempt collection without providing proper validation. Additionally, I have since been contacted by another debt collector, XXXX XXXX XXXX, regarding the same alleged debt. This raises serious concerns about the accuracy of the reporting and who actually has the legal authority to collect, as multiple entities are attempting to collect on the same account. There are also inconsistencies in how this account is being reported across credit bureaus. The account has been removed or suppressed from my XXXX credit file while continuing to report on XXXX and XXXX. This demonstrates unreliable and inconsistent reporting, further calling into question the accuracy of the information being furnished. These actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including failure to properly validate a debt, continued collection activity without validation, and inaccurate and inconsistent credit reporting. I am requesting that this account be deleted from all credit reporting agencies and that all collection activity cease unless proper validation can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
I have an original loan amount with XXXX XXXX for {$900.00}. They have on my credit report that they wrote off {$1300.00}. This brings my total account to {$2000.00}. Information about this debt has inaccurately reported to credit companies. I will attach a screenshot that shows XXXX {$2200.00} and XXXX XXXX XXXX show {$2000.00}. I have called the original creditor XXXX XXXX and they have passed all blame and have told me to route my questions to ASCI ( debt collector ). I call ACSI and they tell me to call XXXX XXXX. I have made numerous attempts with both original creditor and debt collector but do not get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal charge off an account that was disputed for fraud and I guess they must have said it was me then put it back on my account which it was never me I rarely use my card and my credit card unless it's an emergency I have tried to resolve this so many times with them to no avail they never tried to help me in no way shape or form I was trying to keep my accounts in good standing so I can try other products with them they have gave me attitude and nastiness the whole way along and took it to a collection agency which they didn't have to do that they could have talked to me about that account or tried to come to some resolutions but they charge it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: World Acceptance Corporation
State: AL

Complaint narrative:
Received a text from XXXX to my daughters phone number, text was stating to be XXXX XXXX XXXX about my overdue World Acceptance corporation acct. gave information to contact the about my account and stated from a debt collector. I do not have any accounts opened with a World Acceptance nor do I know what this company is. Also, I have not received any mail regarding anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I spoke with a loan officer named XXXX XXXX XXXX id # XXXX he told me that an XXXX was received on my loan and an appraisal was not required to complete the process. During the loan process this information changed with no explanation as to why. When I finally received an explanation he came back with he was told I needed 2 acceptable XXXX. I did research and this is not a requirement of the Frank.Dodd act. I asked who was going to be responsible for this fee since it was not disclosed to me up front on my loan estimate. I was told it could be added to my loan.. This is a violation of Tila-Respa laws . It is not fair lending practices to tell the consumer one thing then change without a good reason

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief