vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc. has filed a lawsuit about a debt which as not been validated.

The case is in XXXX XXXX, GA with case # : XXXX I sent a notice to them demanding validation, and they have to failed to validate any alleged debt.

They have not given me any information that proves the validity of the alleged debt.

I have not done any business with Midland Credit Management , Inc. which suggests that I owe them any money.

They have not shown me any contract between them and myself about any debt.

This is fraud and must to held accountable to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/year>, Citi unexpectedly restricted access to my checking account without prior notice. I am unable to withdraw funds, make payments, or access my own money.

I contacted Citi multiple times and was told my account is restricted pending verification, but the bank refuses to explain the reason for the restriction or provide any option to resolve it sooner. I was informed I must wait 710 days for a piece of mail before access may be restored.

I advised Citi that this restriction is causing immediate financial hardship, including the inability to pay rent and other essential living expenses, and that the funds in my account are necessary for housing. Despite this, Citi declined to provide any temporary access, hardship exception, or expedited resolution.

My funds are available in the account, but I am being denied access without a clear timeline or explanation. This has placed me at risk of late fees, eviction, and financial harm. I am requesting assistance to regain access to my funds or receive an expedited resolution.

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 non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
I am a Public Service Loan Forgiveness ( PSLF ) borrower who has met the program requirements, but my loan service/Federal Student Aid has failed to properly count qualifying payments and has closed verified employment reviews without resolution.

Over two years of qualifying full -time employment with a police department were submitted for PSLF employment verification. This employment was not denied, but the verification case was closed without the qualifying months being counted with no clear explanation.

Additionally multiple qualifying months from my current qualifying employer have disappeared from my PSLF payment count ( XXXX through XX/XX/year> ). These months fall within an already verified period of qualifying employment.

I was advised to submit a PLSF reconsideration form for the missing months, which I submitted. I was then told it would take 6 months to resolve and that XXXX reconsideration applications were ahead of mine in line. Despite documented qualifying employment and payments, I am being told to continue making payments due to administrative delays and errors that are not my fault.

I currently show 116 out of 120 qualifying payments and without those errors I would be at or beyond 120. I have complied with all PSLF requirements in good faith and should not be financially penalized due to servicer or Department of Education processing failures.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/XXXX I purchased an XXXX with my Apple Card for {$1100.00}. The XXXX was supposed to be purchased through their 0 % interest installment plan. For whatever reason, it didn't register that way on my bill and I've been arguing with them off and on ever since. It is not showing on my bill as an installment and it's accruing interest in my balance. I have attempted to reach out over the phone, and they ask you to use their text message service, which for whatever reason will not work for me. 

XX/XX/XXXX I began receiving notifications that my card was being used. 
{$9.00} at XXXXXXXX XXXX XXXX {$640.00} XXXX {$1300.00} XXXX  {$610.00} XXXX XXXX XX/XX/XXXX {$52.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$6.00} XXXX {$750.00} XXXX XXXX {$140.00} XXXX {$140.00} XXXX {$250.00} XXXX XXXX {$960.00} XXXX {$160.00} XXXX {$5.00} XXXXXXXX XXXX {$26.00} XXXX XXXX XXXX {$3.00} XXXX XXXX I attempted to use their text service to dispute and it would not work. I sent an email asking for my card to be cancelled on the XXXX and clearly nothing happened as it continued to be used fraudulently. 

There are {$6300.00} worth of charges on my account that I should not be accountable for from the XXXX onwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I pay my car loan over the phone on the banks automated system with my banks routing and account number ( I can not pay with a debit card ) the system tells me to wait 2-3 business days for the money to be debited. By the time I check on it the payment is late. I call the bank and now Im charged late fees!! This is unacceptable!! It becomes my word against theirs.

I believe their automated system is faulty and this is a way for them to collect unnecessary late fees when the issue becomes the lender vs the lender scenario.

According to XXXX XXXX  I can pay my loan in person with my debit card, yet Ive been to the branch and told its not true and have been forced to return with cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I had XXXX XXXX. I decided to switch companys. I proceeded with the switch. XXXX went ahead and charged me even after being notified that I was canceling policy and changing companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX, Florida XX/XX/XXXXXX/XX/XXXXXX/XX/year> SUNCOAST XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. 

I dispute this debt in its entirety and request that you provide proper verification. Please provide the following documentation : XXXX. Proof of the original debt, including the name of the original creditor and the original account number. 
XXXX. A copy of the original contract or agreement bearing my signature that created the alleged obligation. 
XXXX. An itemized statement showing the amount claimed, including principal, interest, fees, and any other charges. 
XXXX. Proof of your legal right to collect this debt, including a complete chain of title. 
XXXX. A copy of the assignment contract ( bill of sale or assignment agreement ) showing the lawful transfer of the account from the original creditor to your company. This must include : The names of all parties involved in the assignment The date of assignment The specific account being transferred ( not a generic or redacted portfolio summary ) Please note that a generic bill of sale, spreadsheet excerpt, or affidavit alone does not constitute proper validation. 

Until you provide the requested documentation, you are required by law to cease all collection activity, including reporting or verifying this account to any consumer reporting agency. 

If you are unable to provide the requested validation, please confirm in writing that the account has been closed and that no further collection efforts will be made. 

This letter is not a refusal to pay, but a request for verification made in good faith. I request that all future communication regarding this matter be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
A Cash App card was issued and mailed to me. On or about [ enter date ], {$100.00} was sent to that account.

When I downloaded the Cash App, a new account/Cashtag was created instead of giving me access to the original account tied to the card. As a result, I can not access the {$100.00} that was sent.

I contacted Cash App support multiple times and provided proof that I am the cardholder. I requested recovery of the original account oraccess to the funds. Cash App refused account recovery, stated they could not override their process, and closed support without resolving the issue.

The funds remain inaccessible, and Cash App also refused to return the money to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, Subject : Complaint Regarding Predatory Lending Practices and Unfair Handling of Insurance Payment I am writing to formally lodge a complaint against Consumer Portfolio Services ( CPS ), a company that has engaged in predatory lending practices and failed to properly inform me of their status as a collection agency. Additionally, I am seeking your assistance in addressing an unresolved issue with the handling of an insurance payment and the subsequent sale of my vehicle.

Background I financed a car loan with Consumer Portfolio Services for a vehicle about XXXX XXXX  in which I later experienced significant issues with. Unfortunately, the vehicle was involved in an accident and sustained damage. The insurance company issued a payment of {$10000.00} to cover the damage. However, XXXX sold the vehicle and never deducted the insurance payout from the balance of the loan, which was XXXX XXXX. This failure to adjust the loan balance as required is a violation of consumer rights and unfair financial practices. 

Moreover, Consumer Portfolio Services never made it clear that they were a collection agency, which caused confusion and distress. I believe their actions may have been intentionally misleading and contrary to standard industry practices. 

Key Issues : 1. Failure to Subtract Insurance Payment : After the car was sold, the {$10000.00} insurance payment was not subtracted from the total amount owed on the loan. This action has led to an inflated balance that I am unfairly being asked to pay.

2. Lack of Disclosure : At no point during the loan agreement or subsequent communications was I informed that CPS is, in fact, a collection company. This lack of disclosure prevented me from understanding the full scope of the situation and my rights as a consumer.

3. Predatory Lending Practices : Given the terms of the loan and the companys actions, I believe I have been subjected to predatory lending practices, which are in direct violation of consumer protection laws.

I am requesting a full investigation into XXXX XXXX XXXX XXXX  practices, particularly concerning the mishandling of the insurance payment and the failure to disclose their role as a collection agency. Additionally, I seek to have the unfair balance adjusted to reflect the payment made by the insurance company. 
Please let me know if there are any additional steps, I need to take to resolve this matter. I would greatly appreciate your prompt attention to this issue and look forward to your response. 


Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: MD

Complaint narrative:
Kickoff is showing on my credit report stating that I owe hem {$400.00} however I never made any purchases with Kick off for {$400.00}. The debt is inflated and do not belong to me. Perhaps they place this on my account by mistake. I requested that Kick off provide me proof of this debt and purchase, but they stated they would send something and I have received nothing as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
b'Debt Collection\n\nFalse statements / harassment\n\nContacting third parties improperly'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Issue : Trouble accessing funds/ funds being withheld After the funds were deposited and credited to my XXXX XXXX XXXX XXXX restricted my ability to access or withdraw those funds unless I provide additional highly sensitive personal identifiers ( pictures of a driver 's license, utility bill, passport or government ID, SSN card, W2, or paystub ). These identifiers were not required to open or use my account [ or I would not have opened the account ] and were not disclosed as a condition of access at the time Venmo accepted the funds. This is Information that I do not believe Venmo is entitled to collect.

Venmo is not a bank, and I do not have a traditional deposit relationship with a federally chartered financial institution. Conditioning access to my own funds on the compelled disclosure of highly sensitive personal datawithout prior notice, proportionality, or reasonable alternativesraises serious concerns under consumer protection and privacy principles. This practice is coercive, as it forces consumers to choose between forfeiting their money or exposing themselves to identity-theft risk.

I have sent a letter to Venmo HQ as they have no email address or complaint system other than calling - and I want a response in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a CareCredit credit card issued by Synchrony Bank solely to pay for a medical XXXX. The total amount charged for the XXXX was {$2400.00}. My understanding at the time of opening the account was that this balance could be paid off within 12 months if I made consistent monthly payments, thereby avoiding additional interest.

To ensure the balance was paid in full within the required timeframe, I immediately enrolled in automatic payments of {$200.00} per month. These automatic payments were successfully drafted every month, as shown on my account statements.

However, during the repayment period, additional charges labeled as PYMT CARD SECURITY were added to my account without my knowledge or consent. I was not clearly informed that this product was added, nor did I authorize it. These recurring charges increased my balance and reduced the amount of each payment applied to principal.

As a result of these unauthorized charges, interest accrued and the balance was not paid off within the original 12-month period, despite my consistent and timely automatic payments. This directly defeated the purpose of setting up auto-pay and caused financial harm that I took reasonable steps to avoid.

I contacted Synchrony/CareCredit to resolve this issue and spoke with an account manager named XXXX, who refused to provide his last name and identified himself only with ID # XXXX. During this interaction, he was rude, dismissive, and unhelpful, and he did not adequately address my concerns regarding the unauthorized charges or their impact on my ability to pay the balance in full within the agreed timeframe.

I believe these practices are unfair and misleading. I acted responsibly by setting up automatic payments intended to satisfy the balance within 12 months, yet unauthorized add-on charges and interest prevented that outcome. I am requesting a review of these charges, appropriate correction of my account, and relief for the resulting financial impact.

FYI, customers do not have access to over 12 months of statements.

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 monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Amount is XXXXXXXX XXXX I am filing a complaint regarding contradictory and misleading written communications from Affirm related to a dispute on my loan with XXXX XXXX. 

Affirm sent me a written notice stating that my dispute was resolved because the merchant refunded the disputed amount and that my refund was coming directly from the merchant. Based on this written communication, I reasonably believed a refund was being processed. 

I later received another written communication from Affirm stating that the dispute was resolved in favor of the merchant and that no evidence of a refund existed. The earlier refund notice was never corrected, reconciled, or explained. 

In addition, XXXX XXXX provided inconsistent and inaccurate justifications for denying the refund. The merchant acknowledged a XXXX cancellation condition, then later claimed that the rule applies only to flights within XXXX territory and does not apply to international itineraries. This is an inaccurate application of XXXX Department of Transportation guidance, which applies to flights to or from the United States when booked through a XXXX seller and canceled within XXXX hours. 

Affirm relied on these inconsistent merchant representations without reconciliation or independent verification. As a result, my cancellation rights were misapplied, and I was held financially responsible after receiving written confirmation indicating a refund was being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
b'I have been trying to deal with this collection agency and they don\'t seem to be using fair business practices.  I called them on XXXX  at XXXX to ask them where they got the final number because it didn\'t seem correct.  I had received an email from XXXX  on XXXX saying the amount was near $XXXX.  When I spoke with XXXX XXXX at the collection agency, he said that that offer was no longer available and that he would send me an email with the current amount.  I have yet to receive any email communications from him regarding this business other than for him to say for me to call in. There would be no way for me to have a record of any phone calls and was clearly "burned" on the first call.  They continued to call me repeatedly until I sent them a certified letter which they received on XXXX XXXX XXXX at XXXX. This letter requested the information and I have still not received anything regarding the account. \n\nI have a couple more attachments but the system will not let me add them:  \n1). Copy of the certified mail receipt - No. XXXX XXXX XXXX XXXX XXXX XXXXn2). Copy of the XXXX  bank email with the offering of $XXXX.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: DC

Complaint narrative:
Good afternoon I am XXXX XXXX I bought a flight ticket for my friend XXXX XXXX. 
He is an XXXX  citizen. 
He was denied boarding in XXXX. 
For no reason. He had all the documents requested. 
XXXX XXXX  never responded when I asked them to tell me what document was missing. 
it is unfair. I can not pay for a service I did not get. 
Please let me know if you have any questions. 
Thank you for helping me. 

Regards, 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
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc.
State: NC

Complaint narrative:
I am a U.S.-based customer using a Revolut Business account. I believe I was misled regarding the nature of the service and the applicable fees. 
At the time I opened the account, I understood the {$10.00} charge to be a XX/XX/XXXXtime fee related to account opening and card issuance. I was not aware, nor did I clearly understand, that this was a recurring monthly account maintenance fee. 
Once I discovered that the {$10.00} charge was recurring and that the service did not function as a full-service bank in the United States as I initially believed, I immediately requested to close my account.

Revolut refused to close my account unless I first paid the {$10.00} fee, which resulted in a negative balance. I formally disputed this fee due to lack of clear disclosure and lack of informed consent. 
In addition, I repeatedly requested to speak with a supervisor or manager to escalate the issue. Revolut support explicitly stated that speaking with a manager would not change the outcome and initially refused to connect me with XXXX, effectively blocking escalation. 
I believe this conduct is unfair and misleading. I attempted to terminate the relationship promptly after discovering the issue, yet Revolut continued to treat the account as active, required payment of a disputed fee, and limited my ability to escalate the matter to a supervisor.

Revolut is a foreign financial institution operating in the United States, and I am requesting regulatory review of whether these practices comply with U.S. consumer protection standards.

Company response to consumer: Closed with explanation