vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 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: TN

Complaint narrative:
I have a small delivery service for senior citizens and the XXXX. I run XXXX banks with my service. XXXX also a XXXX with wounds are experience. The ones that can't afford home XXXX I do their dressing changes and colostomy bag changes etc. For free. I had a small business account and the business platforms of cashapp, XXXX, and XXXX for my clients convenience. I transfered {$1600.00} to my cashapp to XXXX pay bills online. The other XXXX recorded what happened. They not only confirmed that cashapp received the money but which account it was put in.they put it in an account I had closed. At the time you could only have XXXX cashapp account at a time. So I closed my personal account to have the business account. I signed into cashapp a minute later and the money wasn't in my business account. They said they couldn't find it. I told them what the other banks had reported they told.me that was impossible. I never got my money back. Then it happened again a few weeks later. This time it was a transaction of {$1400.00} the support team member was new or something because he really tried to find it. And he did. In the same account they said it was impossible to deposit too. I got that one back. But not the {$1400.00} that happened a few weeks after XXXX acted like I should just forget about it and go on. I don't make alot at what I do. It's more or less to help those that are struggling. And losing a XXXX here and a XXXX there hurts me financially. Not to mention the XXXX a customer will pay for something and leave and they refund the customers money to them so then I lose the money and the cost of the product. They have done that alot. Then there are subscriptions I canceled and they just let them into my account to tale what they want. I still haven't got my money back on any of those.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my credit was ruined during my relationship with my abuser. I shouldnt be responsible for any of the credit impact or credit in the negative credit impact on my report I had gotten a refund advanced loan last year through XXXX with not a problem this year they did decline me before I even filed my return and they say I was still declined and they wont go back and fix it and I didnt even file until after the XXXX and IRS accepted it on XX/XX/XXXX which shouldve gave me the refund advance but they declined me XX/XX/XXXX of this year and like I said Im a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I shouldnt be responsible for any of the debts on my account. My credit report because that was all due to my abuser. I had no control or say anything in my name or anything I did. The abuser had controlled it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We paid a private investigator XXXXXXXX XXXX for services that were never provided. The agreed services included locating an account and having the companys legal team place a lien on that account. 

After payment, the investigator claimed he had been placed on a secret undercover assignment and then stopped communicating. I received no report, no documentation, no lien filing, and no deliverables of any kind despite multiple emails, text messages, and calls. 

My client portal and database access provided by the merchant show no work activity, no progress, and no completed tasks. 

After I disputed the charge with Chase Sapphire credit card, the merchant submitted a vague response stating only that they found an account, without any documentation, proof of work, report, timestamps, filings, or evidence that any services were actually performed. 

The service I paid for specifically required both locating the account and placing a lien through their legal team. No lien was filed and no proof of legal action exists.

The bank denied my dispute without providing any meaningful investigation results or explaining how a single vague email without evidence demonstrates that services were provided. I received only a generic denial and no supporting documentation. 

The merchant has not produced any objective evidence of performance, including but not limited to reports, filings, portal records, or communication logs. 

This business also shows a public pattern of identical complaints and currently holds an F rating with the XXXX XXXX XXXX  for similar conduct. 

I believe the merchant submitted a minimal statement only to stop follow-up from the bank and that no services were actually rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: KY

Complaint narrative:
I took screenshots of everything but it's not giving me an option to load them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing the collection account being reported by Midland Credit Management for {$660.00}, allegedly originating from XXXX. 
I have not received proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). The account continues to be reported despite lack of sufficient documentation proving ownership and assignment of the debt. 
I am requesting : Copy of the original signed contract Proof of assignment from XXXX to Midland Full payment history Breakdown of the balance Method of verification used to report to credit bureaus If Midland can not provide full validation, this account must be deleted immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company has been continuously harassing me via calls and emails stating I owe debts that I have no knowledge about even after Ive already informed them no to. I have entered into a payment plan with this company for a debt that I proved I paid off but they threatened and harassed me into paying it. Now they have seemed to create other false debt and is trying to get me to pay that as well. I last spoke to them in XXXX and informed them to stop yet it keeps happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XXXX  XX/XX/year> at approximately XXXX EST, I called to make a payment regarding my above MOST CURRENT statement received. 

I'm assuming due to unavailability of an agent, I chose the option to receive a call back. 

I received a call back at XXXX EST from agent XXXX XXXX XXXX point of contact, whom I had been in contact over the last several days regarding my delinquent status ; also assisted with my recent Loss Mitigation application. 

After review of my submission of my application for assistance ; inclusive of all documents required, I was denied assistance. 

I spoke with XXXX XXXX on XX/XX/year> at approximately XXXX EST, and she confirmed that my request was denied. I then asked her what amount did I need to pay to bring my account current. 

She stated that I needed to pay $ XXXX ; and that no other amount would be accepted. She also went on to ask condescending questions regarding what caused the hardship, etc. I explained that this information, was of course included on my application. 

She then changed her tone; stating that XXXX XXXX has XXXX mortgage hardship program, and that she suggests that I go online to apply for assistance and she added to add to the money that I might have. I never mentioned money. 

That information was irrelevant, and I knew that it was useless, because I live in XXXX, XXXX XXXX. 

Her tone, her condescending attitude and no acknowledgement or concern for the situation was quite disheartening ; however, I did not respond ( PULL THE CALL AND LISTEN TO IT ) She then went on to say, and I quote : Don't lose your house to foreclosure, you need to sell your house. 

She never asked or showed any concern whatsoever, if I was able to make a payment at that time ; I never said that I couldn't. 

When I spoke to her on XXXX, I expressed my reason for calling ; to pay my most recent payment in FULL, {$3800.00} ; XXXX, XXXX, XXXX, XXXX and XXXX, she told me that my payment could not be accepted. ( PULL THE CALL ). 

I requested to speak to someone else and/or her superior ; her tone was abrasive ; she even stated to me, I'm talking now, I did not interrupt you when you were talking ; in an elevated voice. She also stated that she has not been rude to me ; which I never implied or said that she was ( PLEASE PULL THE CALL ) She then said with agitation in her voice, I'll transfer you now and implied immediately that I would definitely get a voicemail of her superior ; she named XXXX XXXX. 

At that time I left a voicemail to XXXX XXXX. I have yet to receive a return phone call from superior. 

I'm at wits end. 

XXXX XXXX 's demeanor, condescending, passive-aggresive, non-acknowlegment, non-caring attitude showed. ( PULL THE CALLS ) I NEED HELP. 

I would like to pay my most recent statement that is enclosed. 

Kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I stood in line for approximately 30 - minutes waiting to cash my {$98.00} insurance check from XXXX XXXX XXXX. I observed the XXXX XXXX - XXXX Teller cash XXXX and XXXX customers checks and give them cash money. 
However, when the teller called me to the counter she told me she cant cash my check because XXXX XXXX XXXX comes from XXXX XXXX. So she can only deposit it. I disagreed with what she said but didnt want to start an argument due to other customers standing in line waiting to cash their checks. 
So after the transaction was completed I went to the ATM and tried to get the cash out of my account. 
I withdrew {$60.00} and had a balance of a little over {$3.00}. Then I checked my online banking and saw the check was deposited into my account, but I wont be able to withdraw the funds until XXXX XXXX. 
Thats when I knew I was subjected to XXXX and discriminatory treatment by the XXXX teller on XXXX  XXXX. 
So I checked online to see if I can or can not cash an insurance check and receive cash money, or only deposit it and have to wait a few days to be able to withdraw it. 
What I read was Bank of America was supposed to have cashed my small insurance check and not deposit it and make me wait a few days to withdraw it. So the teller deliberately lied to my face. 
Further, how did she know the insurance company check was from XXXX XXXX? I didnt see it written anywhere on the check. 
Im quite sure the other XXXX and XXXX or non - XXXX customers who cashed their checks employer had accounts at other banks. 
So she lied about that too. In other words the teller was implying that she could cash my check only if XXXX XXXX XXXX had an account with Bank of America. 
Upon confirming I was subjected to racist discriminatory treatment by the all XXXX, XXXX, or XXXX  staff at Bank of America I filed a claim with the bank and am submitting a complaint against Bank of America with the Consumer Financial Protection Bureau. 
I did not see not XXXX XXXX employee working at that branch of Bank of America. 
I will be also filing a lawsuit against Bank of America for violating my civil rights.

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband, XXXX XXXX, and I, XXXX XXXX, closed our accounts, Savings on XX/XX/XXXX, and checking on XX/XX/XXXX with capital one due to them not fulfilling our needs and also distances of the branches. It was a hassle to close them. It was no longer convenient for us to have them. Today I received an email that my account was now overdrawn in the amount of {$930.00}, from a dispute that I have sent multiple pieces of evidence and they ended up denying, without any of our knowledge. They never notified us of the reopening, nor of the dispute denial. My husband and I never received any correspondence written or email in regards to the disputes or accounts reopening, nor any sort of disclosures. The only email I have is that the accounts were closed. Now were stuck with this, and it feels unethical that all of a sudden this dispute was denied, and they refuse to give me any answers or paperwork where it states they would open the account to collect any overdrawn funds. It is also a lot of non English speaking representatives that I could barely understand and lots of hanging up. They will not get any cent of mine given that I requested these accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Veros Credit, LLC
State: CA

Complaint narrative:
15 U.S. Code 1681i - Failure to Conduct a Reasonable Investigation I was in the XXXX data breach per 15 U.S. Code 1681i - Failure to Conduct a Reasonable Investigation. I'm submitting this to update my identity information after the XXXX  data breach and to request removal of any unauthorized or unverifiable accounts and hard inquiries. 
" I recently learned about the XXXX data breach and under the FCRA, I'm requesting to verify and remove all accounts and inquiries that can not be confirmed directly by the furnisher. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit 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: WA

Complaint narrative:
I have called Ashley furniture countless times since XX/XX/year> in regard to an order I had to cancel with them because they refused to change delivery date. They said it would be released and its still showing pending on my acct. also they failed to deliver items that I had placed on a XXXX  order and the amount has not need refunded despite messages and phone calls

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 2026-02-15 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed XXXXXXXX XXXX XXXXXXXX with XXXX XXXX totaling {$1900.00}, charged to my Discover card. After receiving the merchandise, I returned all items in original condition using the merchant 's own prepaid return labels, shipped via XXXX XXXX in two packages : Return # XXXX ( tracking XXXX ) : Dropped off XX/XX/XXXXXXXX  ; delivered to XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA warehouse on XX/XX/XXXX at XXXX XXXX  ; signed for by employee " XXXX. '' XXXX XXXX of XXXX on file. 
Return # XXXX ( tracking XXXX ) : Dropped off XX/XX/XXXX ; delivered to XXXX XXXX XXXX XXXXXXXX, GA warehouse on XX/XX/XXXX at XXXX XXXX  ; signed for by employee " XXXX '' at the dock. XXXX XXXX of XXXX on file. 
XXXX XXXX processed only a partial refund of {$510.00} and issued a store credit for another portion, rather than refunding to my original payment method. No refund was issued for the remaining {$1300.00}. The merchant now has possession of all returned merchandise and the majority of my payment. 
On XX/XX/XXXX, I filed a billing dispute with Discover ( XXXX XXXX, {$1900.00} ). On XX/XX/XXXX, Discover reversed the provisional credit, siding with the merchant based on the merchant 's chargeback response. 
On XX/XX/XXXX, within the 10-day window specified in Discover 's own letter, I submitted a request to reopen the case with new evidence including : XXXX proof of delivery for both returns, detailed tracking histories, photographs of return labels, and a written explanation. 
On XX/XX/XXXX just one day later Discover denied my request, stating only : " After considering all information you provided, we're unable to change the outcome of the dispute. '' The denial contained no analysis of my evidence, no explanation of why the XXXX delivery confirmations were insufficient, and no substantive reasoning of any kind. 
I believe Discover violated the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ) by : ( 1 ) failing to conduct a reasonable investigation as required by 1026.13 ( f ), given that the one-day turnaround was insufficient to review the evidence submitted ; and ( 2 ) failing to provide a written explanation setting forth the reasons for its determination, as required by 1026.13 ( f ) ( 1 ). The denial was a single conclusory sentence with no substantive analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges.This is interfering with my daily life and I am very stressed. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am formally disputing the collection account being reported by Jefferson Capital Systems for {$4400.00}, allegedly originating from XXXX. 
I have not received proper validation of this debt. The account is being reported as a collection without sufficient documentation showing a valid contractual obligation, itemized billing, or proof of assignment. 
I am requesting : Signed service agreement Complete billing history Proof of assignment from XXXX Breakdown of charges Method of verification used to validate reporting If Jefferson Capital can not fully validate this account, I request immediate deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my credit card billing dispute under the Fair Credit Billing Act. 

On XX/XX/year>, I contacted XXXX regarding my airline reservation. I was provided with two separate reservation codes and was told that both portions of my trip were confirmed and active. 

On XX/XX/year>, during a recorded phone call with the merchant, I was informed that I would not be able to travel unless I paid an additional {$1000.00} {$2000.00}. I was told that I could not fly using the ticket as issued and that no refund would be provided. 

At that time, I had already received a valid 13-digit airline ticket number and had verified directly with the operating airline that the ticket appeared confirmed in their system. However, the merchant stated that the booking was effectively not secured and required additional payment. 

Relying on the merchants representation that my travel was not valid without further payment, I purchased alternative flights with another airline. 

Later that same evening, after I had already booked replacement travel, the merchant emailed stating that all flights were ticketed and confirmed. 

I disputed the {$750.00} charge with Bank of America on the basis of merchant misrepresentation and failure to provide services as represented. I provided a transcript of the recorded call showing that I was told additional payment was required and that I could not travel. 

Bank of America denied the dispute, stating that the ticket was non-refundable and that it had been issued. The bank did not address the core issue of merchant misrepresentation or my reasonable reliance on the merchants statements when purchasing alternate travel. 

My complaint is that Bank of America failed to properly investigate the misrepresentation aspect of this dispute and instead focused solely on the refund policy. 

I consent to publication of this complaint.

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 2026-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Not my debt, Ive had identity fraud in my name for years.

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