vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a credit card dispute for merchandise that was never received. On XX/XX/year>, I purchased a XXXX XXXX Total XXXX XXXX XXXX for {$2100.00} using my Capital One credit card. The merchant shipped the product using XXXX. The package was marked as delivered on XX/XX/year>, but when I returned home from work that evening, the package was not on my porch. I immediately checked the tracking information and saw that the package had been marked delivered. I contacted neighbors and property management to see if anyone had received or observed the package. No one saw or accepted the package. I am the only person who lives at my residence, so no one else could have accepted the delivery. The package was delivered without a signature and was reportedly left unattended on the corner of my porch where anyone could have taken it. I reported the issue to both XXXX and XXXX immediately. XXXX refused to provide a replacement or refund unless I first filed a police report. Filing a police report would require me to take additional time off work. I have already missed two days of work attempting to resolve this issue, including contacting neighbors, property management, and the merchant. Missing a third day of work could jeopardize my employment. I disputed the transaction with Capital One because I never received the merchandise. Capital One initially issued a temporary credit but later reversed the credit after the merchant simply provided delivery tracking information. Capital One denied my dispute even though the merchant provided no proof that I actually received the merchandise. There was no signature confirmation and no evidence that the package was accepted by me. Capital One is effectively requiring me to miss additional work and file a police report in order to assist the merchant in considering whether to provide a refund or replacement. This creates an unreasonable burden on the consumer for merchandise that was never received. I believe Capital One failed to conduct a proper investigation under the Fair Credit Billing Act by relying solely on delivery tracking rather than proof of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
My company sent me a direct deposit cash app sent it back because I changed my phone number. Even after I verified, my ID sent them photos did everything they asked they still refunded it to my company which took them over a week to receive which intern left me homeless sleeping in my XXXX, no gas money no money for food and now my truck is about to be repaired because for the second week in a row, even after me speaking to them on the phone and getting verification from them that everything was perfectly fine that it was gon na go through for the second week in a row. I have no money I came all the way from XXXX XXXX and Im living out of my truck in XXXX XXXX and they still can not fix the problem now they dont even respond anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I disputed an account reported by Spring Oaks Capital on my credit report. I requested verification and documentation proving the account belongs to me and the balance is accurate. The company did not provide proper documentation such as the original contract, full billing history, or proof of authorization. Despite this, XXXX marked the account as verified and continues to report it on my credit file. Under the Fair Credit Reporting Act, creditors and furnishers must provide accurate and verifiable information when reporting debts. If the company can not provide sufficient documentation validating the debt, the account should not be reported. I am requesting that Spring Oaks Capital provide proper documentation proving this account is valid and belongs to me, or request that the account be removed from my credit report with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On XX/XX/year>, we deposited a check for {$12000.00} into our Valley Bank checking account through an ATM/deposit terminal at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The check was a legitimate printed check from XXXX, payable to XXXX XXXX, who is a joint account holder on the account. The account has been open for more than XXXX year. XXXX placed an extended hold on the deposit and told us the funds would not be available until XX/XX/year>. We were not given a meaningful written explanation for the hold at the time of deposit, and no one explained what specific reason justified holding the check that long. We also were not told that XXXX had attempted to verify the check with the issuer or issuing bank. While the deposit was being held, we were contacted and told we needed to deposit additional money to cover outgoing ACH activity. That made no sense because the deposited check was more than sufficient to cover the transactions. As a result of the hold, important obligations were affected, including our IRS payment and our mortgage payment. This is not a new account, and larger checks have also been held before. We believe XXXX failed to handle this deposit reasonably, failed to provide a clear explanation, and failed to act with appropriate urgency even though the check was from a legitimate source and the delay was causing serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To Whom It May Concern, This letter is sent in response to your reporting of the above referenced account on my credit file. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I dispute the validity of this debt and request that your office provide competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history beginning with the original creditor. Documentation proving that your company has been legally assigned or purchased the debt. Proof that the statute of limitations has not expired. Proof that your company is licensed to collect in my state. Verification that the amount reported to the credit bureaus is accurate and complete. If your office can not provide the documentation requested above, you must : Immediately cease all collection activity Delete this account from all credit reporting agencies Provide written confirmation of the deletion Please note that reporting unverified information to any credit reporting agency may constitute a violation of federal law. Until proper validation is provided, you must cease collection efforts and cease reporting this account. All future correspondence regarding this matter must be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo overpaid my XXXX credit card balance during transition from XXXX to Autograph card. They left me with a negative balance of XXXX dollars. They promised 10 buiness days after the XXXX for a reversal to process. Instead they declined the reversal, did not tell me, and therefore it didnt post. They are instead mailing me a check ( sent XX/XX/XXXX ) with 7-14 Business day delay causing overdrafts and fees on my linked BoA account.

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 2026-03-13 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: PA

Complaint narrative:
I spent {$490.00} on a preorder of two custom rebound hardcover books from a merchant called XXXX XXXX XXXX. I purchased through PayPal pay in 4 plan transaction ID XXXX. Because it was a preorder, the purchase was not anticipated to be completed until approx 4 months. When I still hadnt received the product in XXXX of XXXX, I began to speak to the merchant about a refund. I gave them a couple more months to produce some sort of work to show me but they could not and eventually XXXX XXXX XXXX released a public statement declaring harships/bankruptcy and the inability to fulfill orders. The XXXX XXXX stated they would cooperate with buyers financial institutions and encouraged buyers to do charge backs. It has also come to light that The XXXX XXXX has been involuntarily dissolved by the state of Texas for tax delinquency and has ceased operations without fulfilling my order. This information can be obtained by searching for XXXX XXXX XXXX taxpayer number XXXX on comptroller of Texas public records . I attempted a PayPal dispute before reaching out to my CC company ; dispute case ID XXXX but PayPal refused to assist me stating they can not do anything since its their policy that they can not provide refunds after 180 days from point of sale despite the fact that I provided direct evidence that the sellers did not fulfill the order. The PayPal dispute was opened on XX/XX/XXXXXXXX at XXXX via the PayPal resolution center it was immediately denied the same day at XXXX, showing that there was not even a review of the evidence that I provided. They denied it in 5 minutes. I immediately called Paypal and appealed the dispute also on XX/XX/XXXX. It was reopened. The dispute was again closed on XX/XX/XXXX citing yet again that they will not assist simply because I paid the seller, XXXX XXXX XXXX greater than 180 days ago. PayPal has been provided ample non-disputable evidence that the sellers, XXXX XXXX XXXX did not fulfill my order and will not be able to do so yet they refuse to assist me in recovering my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
So in XXXX of XXXX M & T Bank purchased my mortgage thru XXXX XXXX XXXX XXXX. I kept trying to get M & T Bank to validate that the mortgage idebt is actually valid. In doing some research i found out that the MORTGAGE is a nullity - A " DEAD PLEDGE '' SECURING NOTHING. from XXXX XXXX XXXX { XXXX XXXX defines a mortgage as a " dead pledge. '' Which means the mortgage death is void because the mortgage secures nothing and becomes a legal nullity. Being that the mortgage is voided by law the debt can't be enforced. The debt that M & T Bank is trying to enforce is XXXX XXXX XXXXXXXX which means that M & T Bank is engaging in extortion with a fraudulent debt and fraudulent billing. '

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 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
On CashApp, XXXX, XXXX, and probably many more banks I need them to be deleted because someone stolen my info and more.can you permanently delete them please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: PA

Complaint narrative:
Subject : Venmo ( PayPal Holdings , Inc. ) accepted mistaken payment to restricted account and is preventing return of funds Complaint : I am filing a complaint regarding the handling of a mistaken payment through XXXX and the companys refusal to allow the return of funds. On XX/XX/year>, I mistakenly sent {$140.00} through XXXX to XXXX XXXX. The payment was sent in error while attempting to issue a payment request through XXXX. At the time the payment was sent, XXXX XXXX XXXX account had previously been restricted/locked due to insufficient funds, stemming from an earlier dispute several years ago in which another individual improperly disputed a legitimate payment they had made to her. Despite the account being restricted, XXXX reactivated/ reopened the account to receive my payment, and subsequently transferred the funds into a XXXX Account. XXXX has prevented XXXX XXXX from returning the funds, even though both parties acknowledge that the payment was made in error and should be returned. XXXX also refuses to return the funds. This situation raises serious concerns : XXXX accepted funds into an account that had previously been restricted. XXXX is now holding the funds while preventing the recipient from returning them. Both the sender and the recipient agree that the payment was sent by mistake and should be reversed. Effectively, XXXX is retaining control of funds that neither party disputes should be returned, with no clear resolution provided through customer service. Customer service is passing my complaint to different representatives and ignoring questions. I respectfully request that XXXX : XXXX the mistaken payment and return the {$140.00} to me, or Allow the recipient to immediately return the funds through the platform. I appreciate the CFPBs assistance in helping resolve this matter and ensuring that payment platforms can not open a frozen account to accept funds from a third party, transfer the funds into a corporate account and hold the third party funds to makeup a restricted customers negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
A collection account was placed on my credit report, but I never received the required written notice explaining the debt or my right to dispute it. Under the Fair Debt Collection Practices Act, I should have received a written validation notice within XXXX days of the initial communication from the collector. I requested validation of the alleged debt including the original creditor information, a copy of the agreement bearing my signature, a full account history, and proof that the company has legal authority to collect the debt. The company has not provided this information. Because I did not receive the required written notice and the company has not properly validated the debt, I am requesting that this account be investigated and removed from my credit report if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My name is XXXX XXXX. In XX/XX/year>, I was approved for The Platinum Card from American Express ( account ending in XXXX ). At the time of application, I was presented with a welcome offer stating that I would receive XXXX Membership Rewards bonus points upon spending a specified amount within XXXX months. I successfully met the required spending threshold within the designated timeframe. Importantly : During the online application process, I did not receive any notification, disclosure, or pop-up message indicating that I was ineligible for the XXXX welcome offer. I was charged the {$690.00} annual fee associated with the XXXX XXXX. I relied on the advertised welcome offer when deciding to apply for and retain the card. After completing the required spending, I did not receive the XXXX bonus points. I contacted American Express customer service to inquire. I was informed that the matter would require investigation and that I should call back in XXXX business days. Upon follow-up, I was told that I was allegedly ineligible for the bonus because I had previously received a bonus on a similar American Express XXXX XXXX This statement is incorrect. I have never owned The XXXX XXXX from American Express nor any prior version of the same consumer Platinum product. I requested that American Express identify the specific card that allegedly disqualified me. The representative was unable to identify any such account. The XXXX XXXX welcome offer terms state that an applicant is ineligible if they : Currently have or previously had The Platinum Card from American Express, or Previously held the same consumer Platinum product. Neither condition applies to me. I relied on the clear offer presented at the time of application. Had I been informed that I was not eligible for the welcome offer, I would not have applied for or paid the {$690.00} annual fee. Denying the bonus after qualifying spending was completed appears inconsistent with the disclosed terms and may constitute unfair or deceptive practices. Additionally, when attempting to cancel the card prior to renewal, I was charged {$170.00} for an additional authorized user card that I did not request and never received. American Express has refused to refund this {$170.00} fee. Requested Resolution : Award of the XXXX Membership Rewards bonus points as advertised and earned, and XXXX of the {$170.00} authorized user fee that was neither requested nor received. I respectfully request regulatory review of this matter and assistance in resolving this dispute. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: IL

Complaint narrative:
I filed for unemployment benefits. Someone stole my identity changed my address to their address during the claim so the KeyBank debit card shipped to their house instead of mine. They withdrew XXXX XXXX XXXX total, mostly from the same ATM near their address. KeyBank confirmed they have transaction logs proving this, but now says my account is closed and refuses to refund me. I filed police reports as instructed, submitted all required identity verifications through unemployment, and even sent them the police reportthats the only reason they released any money at all. They opened a separate fraud case, approved payment tracers, and reissued me about XXXX XXXX dollars. But thats not even half of what Im owedthey promised the rest over time and never delivered. Unemployment says go back to KeyBank ; KeyBank says its unemployments problem. This runaround was designed to stallneither wants to own it, even though KeyBank issued the card, logged every ATM withdrawal, and confirmed fraud. Under Regulation E, they cant just dodge ; theyre supposed to refund unauthorized transfers, and they have fraud insurance to cover it. This happened during COVID surgesidentity theft was everywhere, tons got fake {$25000.00} claims, paid taxes on money they never saw, while thieves walked. The guy who did this never got questioned ; everything got swept under. When I asked about taxes on the stolen cash, unemployment said dont worry, youre not in trouble but no written proof. Im scared Ill get hit with an IRS bill for fraud I didnt commit. I was informed by uninformed that KeyBank is responsible for paying me back the rest of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: AZ

Complaint narrative:
I initiated an international remittance of USD XXXX through Abound on XX/XX/year>, to be delivered to a recipient in XXXX. The transaction was funded from XXXXXXXX XXXX XXXXXXXX XXXX account via XXXX. As of today, the funds have still not been delivered to the recipient, and there has been no clear explanation regarding the delay. The transaction has been pending for nearly a month. I raised a support request with Abound ( Ticket # XXXX ) and have sent multiple follow-up emails to their customer support team, but I have not received any meaningful response or resolution.Transaction ID XXXX The amount involved is significant, and the prolonged delay without transparency or communication is extremely concerning. The platform normally provides estimated delivery timelines, but in this case no delivery date has been provided. I am requesting urgent intervention to investigate this matter and ensure that either the funds are delivered to the intended recipient immediately or refunded back to my account. I also request that the company be reviewed for potential consumer protection issues related to remittance handling and customer support responsiveness.

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 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I would like this charge off removed from my credit report and recieve my 1099, due to they wrote my account on their taxes, Federal Law.

Company response to consumer: Closed with explanation