vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have now requested a 'truth in lending ' document from Synchrony bank for over 4 months. I did so thrice by phone and once in writing. No such document has yet been produced, either electronically or on paper. My initial contact was XX/XX/year>, and a letter was sent in XX/XX/year>.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael J Adams PC
State: TX

Complaint narrative:
The account is over XXXX XXXX XXXX. I had no idea I was being sued or that my bank account was in danger of being levied/garnished. A letter was sent to my old address on XXXXwith no indication that my account would be garnished. On XX/XX/year> XXXX debit holds were placed on my account {$1000.00} and {$4400.00}. I called the creditor on XXXX and was sent to voice mail, logged into their online platform scheduled a payment for {$100.00}. Called XXXX XXXX XXXX let them know that some of the funds in my account are child support and should be exempt from the hold on my account. Currently they have taken the {$1000.00} my {$1900.00} paycheck and my account is negative {$2200.00}. I have called the agencny Michael J Adams PC several times with no response. I have no Idea what to do I have no money and no one is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am disputing this debt. I have never had an account with XXXX. Please provide full validation including proof this debt belongs to me. If you can not validate, remove this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One XXXX Fraud Claim Denial XXXX I am filing a complaint against Capital One regarding their denial of my fraud claim ( XXXX ) involving a XXXX transaction totaling {$800.00} on XX/XX/year>. I was the victim of a parking lot repair scam in XXXX, Texas. After responding to an advertisement for bumper repair services, three individuals performed substandard and damaging work on my vehicle. Following the repair, they refused legitimate payment methods and aggressively demanded payment via XXXX. Due to being outnumbered and being under an implied threat of violence, I sent {$800.00} to a recipient they directed. This was not a legitimate transaction but one made under coercion and as part of a fraudulent scheme. Since the incident : I filed a police report with the XXXX Police Department ( XXXX # XXXX and # XXXX ). The individuals involved have continued to contact me via phone and text. Public reviews link the perpetrators to similar scams targeting others. I have incurred additional expenses to repair the damage caused. Despite providing these details, Capital One denied my claim twice. The second denial was issued without explanation or proper notification, requiring me to call for information. I believe Capital One failed to properly investigate my claim of fraud and coercion and did not follow appropriate consumer protection standards for unauthorized or forced transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The account is over 7 years old. I had no idea I was being sued or that my bank account was in danger of being levied/garnished. A letter was sent to my old address on XXXXwith no indication that my account would be garnished. On XX/XX/year> 2 debit holds were placed on my account {$1000.00} and {$4400.00}. I called the creditor on XXXX and was sent to voice mail, logged into their online platform scheduled a payment for {$100.00}. Called Bank of America let them know that some of the funds in my account are child support and should be exempt from the hold on my account. Currently they have taken the {$1000.00} my {$1900.00} paycheck and my account is negative {$2200.00}. I have called the agencny XXXX XXXX XXXX XXXX several times with no response. I have no Idea what to do I have no money and no one is willing to help me.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I cancelleXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX emailed me confirmation that a refund would be issued to original form of payment. I used XXXX to pay for the tickets in XXXX installments XXXX, XXXX, XXXX, XX/XX/XXXX. THE LOAN was PAID IN FULL on XXXX XXXX, XXXX. The XXXX tickets cost {$1800.00} ( {$930.00} x XXXX ). My Upgrade account shows my posted payments in XXXX, XXXX, XXXX, XXXX and XXXX posted payments on XX/XX/XXXX which should have been NOTED AS A CREDIT since it was a REFUND by XXXX XXXX. XXXX 's refund policy, " If you receive a refund for more than the balance owed, we will credit back all remaining funds to the method of payment used to make the initial payment. I waited 7 days, thinking my refund would be credited to my TRUIST DEBIT CARD which was used as my original form of payment. No credit was issued. I called XXXX on XX/XX/XXXX at approx. XXXX XXXX and spoke to a representative named XXXX XXXX I asked XXXX if my refund had been processed. Had I not called XXXX, no refund would have been issued. XXXX said that I had to LINK my entire bank account to Upgrade to receive an online transfer OR I had to wait XXXX to XXXX weeks for a paper cashiers refund check to be delivered by mail via XXXX with no tracking. I asked XXXX if he could email me a confirmation that the refund was being processed. He said they dont send confirmation emails, but he would make a note on my account. I DID NOT feel comfortable linking my bank account to Upgrade due to all the refund complaints online. So, I opted for a CHECK in the mail which is supposed to arrive late XXXX or XXXX XXXX. On XX/XX/XXXX at XXXX XXXX, I received an email from FlexPay " Hi REMOVED, You are officially paid in full on your booking with XXXX XXXX. '' I paid this loan in FULL on XX/XX/XXXX. The email they sent should have been a notice of a CREDIT! I have had numerous calls with XXXX since that initial call. I spoke to customer service representative XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XXXX said my XXXX check would be mailed from XX/XX/XXXX in XXXX to XXXX weeks. On Monday, XX/XX/XXXX, I called XXXX about my refund. I spoke to XXXX and her supervisor, XXXX. I was told my check had been mailed on XX/XX/XXXX with NO TRACKING via XXXX. It is now Wednesday, XX/XX/XXXX and I have NOT received a check via XXXX. They have offered NO PROOF that funds have been sent. Please help me getting my refund expedited. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
I opened a Paypal XXXX XXXX XXXXXXXX in late XXXX XXXX and started using it. I made one payment of {$510.00} on XX/XX/XXXX with no issue. I made a payment of {$600.00} on XX/XX/XXXX and the funds were withdrawn from my bank account on XX/XX/XXXX, but only a portion of the funds were made available on my credit card. Approximately 50 % of it. The other half they are telling me will not be available until after XX/XX/XXXX meaning they have {$300.00} of my dollars locked up and I have no access to it for 13+ days. they are telling me it was an unusually large payment vs my other payment history of which was only one payment of a similar amount. This does not seem right at all. What are they doing with my money? Are they earning money off it? I am not earning any money off of it. This seems like they are borrowing my money and doing lord knows what with it. Is this illegal? How are they able to hold my money and ultimately arbitrarily disallow me access to it via their card with our letting me know they would do so?

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 2026-04-15 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: TN

Complaint narrative:
I was accepted in the hardship assistance program with LoanCare around XX/XX/year>. I made XXXX 's payment and thought I enrolled in XXXX 's auto payment. When I logged in to check on the status of my mortgage, it said I couldn't pay anything online. I called and they said I missed XXXX 's payment and was kicked out of the hardship assistance. I called LoanCare and they said " oh hi, you owe {$25000.00} today how would you like to pay that? '' instead of asking the purpose for my call. When I explained to XXXX that I just want to make a payment and get caught up, they said they couldn't accept 1 months payment and I was 7 months late ( which is not true, I was in the hardship program ). So I have been making payments. I said can I restart the hardship assistance program and she said you have to reapply but XXXX not be approved since you already failed it. I am trying my hardest to pay my mortgage and they are making it appear as though I am 7 months behind, telling me I owe {$20000.00} or nothing at all, that I could go into forbearance, or get a second job. This response is unduly burdensome for any person living in XXXX right now. All I am trying to do is pay the monthly mortgage amount and they are making it impossibly difficult to keep up with my mortgage and framing me to look like I am incredible behind, threatening that the only option is outside help or foreclosure. What is a mortgage company 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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Complaint Against Portfolio Recovery Associates , LLC I am submitting this complaint regarding inaccurate credit reporting and failure to properly validate an alleged debt by Portfolio Recovery Associates , LLC. Portfolio Recovery Associates is reporting an account on my credit reports with XXXX XXXX, and XXXX. The original creditor is XXXX XXXX. Portfolio Recovery Associates is not the original creditor. I have disputed this account no less than three ( 3 ) times. In addition, I sent a written request for debt validation via email on XX/XX/year>, which was received and read by your company. I have retained the read receipt as proof of delivery and acknowledgment. Despite my repeated disputes and confirmed receipt of my validation request, this account continues to be reported without proper validation or sufficient documentation. I formally requested full validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested documentation demonstrating : * The identity of the original creditor ( XXXX XXXX ) * A complete chain of title showing legal ownership of the debt * A signed agreement or contract showing I am legally obligated * A full account-level accounting of the alleged balance * Proof that the amount being reported is accurate * Documentation establishing their legal authority to collect Portfolio Recovery Associates has failed to provide competent evidence sufficient to validate the debt. Despite this, they continue to report this account to consumer reporting agencies. Additionally, the repeated verification of this account after multiple disputes, combined with their confirmed receipt of my validation request, raises serious concerns regarding the adequacy and reasonableness of their investigation process, as required under the FCRA. Reporting a debt without proper validation constitutes furnishing inaccurate or unverified information under federal law. Their continued reporting is causing harm to my credit profile and financial standing. I am requesting the following resolution : 1. Immediate deletion of this account from all credit reporting agencies 2. Written confirmation that the account has been removed 3. A thorough investigation into Portfolio Recovery Associates repeated verification of disputed information despite confirmed receipt of my validation request I am prepared to provide copies of my dispute correspondence, including proof of delivery and read receipt dated XX/XX/year>, along with any responses received. This matter should be taken seriously, as inaccurate credit reporting directly impacts my ability to access fair credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhoods response did not resolve my issue. Robinhood has restricted my account and will soon close it and has not returned all of my funds out of the brokerage account I have with them. While a portion of the funds has been returned, a remaining balance of {$130000.00} is still outstanding and has not been received. I have contacted my bank ( XXXX XXXX XXXX XXXX ), and they have confirmed : There is no record of any pending return for the remaining funds The reference numbers provided by Robinhood are not usable for tracking A traceable transaction identifier ( such as an ACH trace number or equivalent ) is required to locate the funds Robinhood has not provided any traceable transaction information and has stopped responding to my follow-up requests. At this time : The funds remain unaccounted for There is no way to track or verify the transfer Communication from Robinhood has been insufficient I am requesting that Robinhood provide : 1. A traceable transaction identifier for the remaining funds 2. Confirmation of where the funds currently are 3. Immediate resolution and return of the outstanding balance This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Inconsistent Dispute Resolution and Regulation E Violation by XXXX ( PayPal , Inc. ) regarding Unauthorized Transactions Statement of Complaint : I am filing this formal complaint against XXXX ( PayPal , Inc. ) for failing to properly resolve unauthorized transactions on my account in accordance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ). On XX/XX/XXXX, my XXXX account was compromised, and a malicious actor gained unauthorized access. During this account takeover, a series of fraudulent transfers were made to a user named " XXXX XXXX. '' I immediately reported the breach to XXXX and initiated disputes for all the unauthorized transactions that occurred during this window. XXXX conducted an investigation and correctly identified that fraud had occurred, subsequently refunding some of the unauthorized transactions from that day. However, inexplicably and arbitrarily, XXXX denied the remaining disputes for transactions made on the exact same day, by the exact same unauthorized user, under the exact same compromised session. Under Regulation E, a consumer is not liable for unauthorized electronic fund transfers once the institution has been notified. Because XXXX has already established and accepted that my account was breached on XX/XX/XXXX, it is highly irregular and legally non-compliant for them to deny the following associated fraudulent charges : Dispute ID : XXXX | Amount : - {$200.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$150.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$150.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$100.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$90.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$50.00} | Date : XX/XX/XXXX Dispute ID : XXXX | Amount : - {$25.00} | Date : XX/XX/XXXX Total Unrefunded Fraudulent Transfers ( XX/XX/XXXX ) : {$760.00} Furthermore, I am disputing a separate, entirely unrecognized charge that was applied to my account on XX/XX/XXXX. I have no relationship with this merchant, did not authorize this purchase, and did not receive any goods or services. XXXX also improperly denied this claim : Dispute ID : XXXX | Merchant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I called in first to get more information regarding this debt because it is not mine and I have no idea where it came from. They could not provide me with any information. I sent a letter asking for validation of this debt from the collections agency. XXXX was ignored, I sent an email asking for the same information, they stated they could not provide and details or information regarding the debt that they were attempting to collect on. I requested to communicate through mail or email that way I have documentation and they wanted me to call in so a rep could assist me over the phone. This debt is not mine. I have never had an account open with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
Issue : Loan for solar installation services never provided I am filing a complaint regarding a solar loan serviced by Solar Servicing LLC. I applied for financing for a residential solar system. The loan was approved and funded ; however, the solar system was never installed at my home, and I never received the product or service. Despite this, I am now being billed monthly and the account has been reported to all three credit bureaus, negatively impacting my credit. I am requesting : - Immediate investigation into how this loan was funded without installation - Proof of installation ( permits, inspections, photos ) - Cancellation of the loan due to non-performance - Removal of all negative credit reporting This appears to be either fraudulent activity or gross negligence by the installer and/or financing company. I have not received the goods or services tied to this loan and should not be held financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
I was notified by My bank that a payment of {$1000.00} deducted from my bank account that I did not authorized, I found out on XX/XX/XXXX that someone had used my personal information to do an online loan for {$2000.00} with Advanced America using my personal information information, the account used was with XXXX XXXX XXXX XXXX out of XXXXthe bank account # used was XXXX, this is not nor has never been my account # XXXX contacted XXXX XXXX and spoke with XXXX XXXX XXXX who advise Me than My Identity had been use to make this loan. She has turned this this matter over to their Fraud Dept. and advised me to notifiy the FTC.This ie the nitification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraudulent incident involving my Cash App account that resulted in a loss of approximately {$2500.00}. On XX/XX/year>, I was targeted through a paid XXXX advertisement operated by an entity identified as XXXX XXXX. The advertisement led to a website impersonating official XXXX support. Believing the source to be legitimate, I contacted the phone number listed. During this interaction, I was deceived by individuals posing as XXXX support representatives. They used manipulative tactics and instructed me to download third-party applications, including XXXX and XXXX XXXX, under the false pretense of assisting with account recovery. While under this deception, I was guided through actions that resulted in unauthorized XXXX transactions from my Cash App account totaling approximately {$2500.00}. These transactions were not knowingly or willingly authorized in a legitimate context, but were instead induced through fraud and impersonation. I have obtained evidence confirming that this advertisement was actively running on XXXX and linked to the fraudulent operation. This demonstrates that I was directed into the scam through a deceptive and organized scheme, not through voluntary or informed authorization. I immediately reported the incident to Cash App, submitted all available evidence including a police report, and filed disputes. Despite this, Cash App denied my claims, stating the transactions were authorized. This conclusion fails to account for the role of deception and social engineering in this case. I am requesting a full reimbursement of the {$2500.00} and a proper reinvestigation that takes into account the fraudulent nature of this incident, including the use of a paid advertisement to mislead consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation