vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the unauthorized conversion of my XXXX XXXX card to a XXXX card without my knowledge or consent. I recently discovered that my XXXX card had been switched to a XXXX card. I never agreed to this change and was never properly notified that my card network was being changed or that I would lose my XXXX card. When I contacted Capital One customer service, I was told that multiple emails had allegedly been sent to me regarding this change and that there was an opportunity to opt out. However, after thoroughly reviewing my email records, including spam and trash folders, I can not locate a single email notifying me of this conversion, an opt-out option, or any communication clearly stating that my XXXX card would be replaced with a XXXX card. Capital One has not provided proof that these notices were successfully delivered to me. This is unacceptable. A major change to a consumers credit card network should require clear and verifiable notice, especially considering the differences in merchant acceptance between XXXX and XXXX. I specifically chose this card as a XX/XX/XXXX product, and I would not have agreed to this change had I been properly informed. I also contacted Capital One directly to resolve this issue and requested that my account be converted back to a XXXX card. I was told this was not possible. Instead, I was simply told that I should have opted out of a notification that I never received. I believe Capital One failed to provide adequate notice regarding this material account change and failed to properly protect consumers from unwanted product conversions. Consumers should not have their credit card network changed without clear, confirmed communication and a meaningful opportunity to consent or opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX, am having a problem getting AMX to close my savings account # XXXX and send me the proceeds of {$330.00}. My XXXX savings account is titled in a joint revocable family living trust, and I am the co-grantor, trustee and beneficiary, surviving spouse. My husband XXXX XXXX XXXX passed away XX/XX/year>. I called XXXX ( XXXX ) on XX/XX/year> to make XXXX aware of his passing. I am trying to close my account and have a check ( approx. {$330.00} ) mailed to me at my residence, the address of record, made out to the trust name to close the account. I faxed ( XXXX ) all the forms XXXX requested on XX/XX/year> the entire trust, death certificate, XXXX 's deceased letter of instructions form, and my letter of instructions. I received an email from XXXX on XX/XX/year> saying they needed the same documents that I already faxed to them XX/XX/year>. I called XXXX on XX/XX/year> and the representative at XXXX confirmed that they did have all the needed forms and I would have my check in 7-10 days. Then I called again XX/XX/year> and XXXX told me again that I would have my money in 7 days. I then sent another fax on XX/XX/year> ( XXXX ) with all of the documents again/2nd time and I still don't have my money!!! None of this documentation and delays should have been needed as the savings account is registered as the XXXX XXXX XXXX, and I am asking for the check to be made to the trust and sent to the address that XXXX has on record. The account was titled in a trust to avoid these types of problems after a death. I have attached both faxes. Please help!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Account Information : Account Balance : {$1600.00} Closed ( no information on credit report. ) Late payment reporting XX/XX/XXXXXXXX XXXX This account is closed but does have a closed status while also continuing to report as open status. Original loan balance reports as {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TRasnworld System INC Re : Request for Debt Validation Account Number : Unknown Dear Sir or Madam, I am responding to your recent communication regarding the debt you claim I owe. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of any fees, interest, or charges added Copies of any documents showing I agreed to or am legally responsible for this debt Proof that your company has the legal authority to collect this debt Documentation showing the date the debt was incurred and payment history, if applicable Until you provide proper validation of this debt, I request that collection activity cease and that no inaccurate information be reported or continued to be reported to any credit reporting agencies. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I am exercising my right to request validation before any further action is taken. Please respond in writing to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I was using Bilts Mortgage AutoPay feature to make payments on my XXXX mortgage. In XX/XX/year>, Bilt changed their payment processing policy without notifying me. Previously, payments were handled through a deferred debit mechanism. Under the new policy, funds are debited from the linked bank account immediately when a payment is generated. I was never informed of this change via email, SMS, in-app notification, or any other means. Because I had no knowledge of this change, I continued to assume my XX/XX/year> mortgage payment ( {$1500.00} ) was being processed normally. It was not until XXXX XXXX that I discovered, through a credit monitoring alert, that XXXX had reported a missed payment to the credit bureaus, significantly damaging my credit score. I contacted Bilt about this issue, but they have declined to acknowledge responsibility. I also contacted XXXX, who stated they reported the payment accurately and directed me to submit a dispute. I am not responsible for this missed payment. I had an active AutoPay arrangement in place and took no action to cancel or modify it. The payment failure was caused entirely by Bilts undisclosed policy change. I am the only party bearing the consequences of an error I had no part in creating. I am requesting that this complaint prompt a formal investigation into Bilts failure to notify customers of a material change to their payment processing policy, and that appropriate action be taken to address the damage caused to my credit report and the late fees I was charged as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TX

Complaint narrative:
I am filing this new, separate complaint against Block, Inc. ( Cash App ) for willful violations of Federal Regulation E ( 12 CFR 1005.11 ), deceptive consumer steering, and management-level refusal to conduct error resolution investigations. This is an escalation involving new regulatory failures separate from my ongoing file under Case # XXXX. On XX/XX/XXXX, Cash App denied a dispute and subsequent appeal for an unreleased {$46.00} merchant hold ( XXXX XXXX XXXX XXXX XXXX, TX ). Cash App Support Manager XXXX confirmed in writing that Cash App finalized these denials without ever obtaining or utilizing the merchants phone number to perform an actual investigation. On XX/XX/XXXX, I escalated this clear lack of due diligence to Cash App Support Manager XXXX ( Internal Case # XXXX ). Manager XXXX responded in writing, explicitly stating : " Unfortunately, I can not override this decision as the claim is now closed and we are unable to reopen closed claims. '' Under Regulation E, a financial institution can not refuse to correct a demonstrably fraudulent or failed investigation by hiding behind internal software limitations or declaring a file " closed. '' Manager XXXX written refusal to reopen an uninvestigated dispute represents a willful corporate violation of federal error resolution mandates. Furthermore, another Support Manager, XXXX, recently admitted in writing that Cash App held separate consumer funds of mine ( {$280.00} XXXX hold ) from XX/XX/XXXX until XX/XX/XXXX, without providing legally required electronic notifications, proving a systemic habit of capturing and holding consumer balances. Finally, I am flagging Cash Apps official legal settlement web page for deceptive consumer suppression. Cash Apps website explicitly states to consumers : " You do not need to do anything at this time to obtain redress ... which also means you do not need to file a complaint with the CFPB. '' This is a bad-faith corporate attempt to suppress consumer reporting and mask active compliance failures from federal oversight. I am a disabled consumer on a strict budget, and Cash Apps repeated, bad-faith refusals to perform basic banking investigations have placed an intentional financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I am filing a formal complaint regarding an inaccurate account reported on my credit report in the amount of {$1100.00} by RMP SERVICES LLC. I have no knowledge of this debt, never opened or authorized this account, and I was never contacted regarding it. I contacted the company directly to verify the alleged debt, but they were unable to locate any account associated with my phone number or provide sufficient information confirming that this debt belongs to me. Despite the lack of verification, this account has been reported to the credit bureaus and is negatively affecting my credit history and financial standing. I request that this matter be fully investigated under the Fair Credit Reporting Act ( FCRA ) and that the inaccurate account be removed immediately from all credit reporting agencies if the debt can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> I opened my chime banking app and saw a notification headline stating that my account will be closed on XX/XX/year> and to transfer any funds that I may have or they will be mailed in a check to me within 30 days. I did not authorize to close my account I didn't receive any prior notifications about this. When I called customer service they said that they are unable to provide me with any information on why my account is being closed. I asked you speak to a manager or somebody in charge she refused to transfer me and when asked for what her name is she hung up. My account is being closed down without any authorization from me or any reason for them on why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
" I am formally rejecting Wells Fargos response. A {$50.00} credit is an insult given the severe consequences of the banks error. At the time of deposit, the teller explicitly assured me that the funds from the cashiers check would be available the next day. Relying on that professional assurance, I made a XXXX payment to my daughter, only to find out the bank placed a hold on the funds, claiming the check was unsigneddespite me having a copy that clearly shows my signature. This error caused a massive overdraft of {$3600.00}, creating extreme financial and emotional distress. When I called customer service, the representatives only XXXXsolution ' was to tell me to ask my daughter to return the money I sent her so I wouldn't be affected. It is not my daughter 's responsibility to fix a mistake made by Wells Fargo. Furthermore, the banks demand for me to visit a branch is unreasonable. I have significant mobility issues due to multiple knee surgeries, making it physically painful and extremely difficult to go to the bank in person. I have been available for communication, but I now request that all further correspondence and fair settlement offers be documented in writing through this portal. I am standing by my request for {$300.00} in compensation for the hardship, the physical pain of trying to resolve this, and the banks failure to provide a legitimate solution. ''

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 2026-05-18 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: FL

Complaint narrative:
I used Venmo to send a payment to someone I know but the incorrect information was input. The payment was already sent and was not realized until after. Once I was on the phone after spending XXXX minutes trying to figure out how to get a real person in Venmos customer service they told me they could not do anything besides expect me to magically know someones phone number who is a complete stranger to me. They then told me to contact PayPal as the persons Venmo was linked to their PayPal. I literally got PayPal on the phone and they request information from Venmo be provided to them and they refused to provide. Money lost. They kept saying contact PayPal while we were all on a 3 way call and PayPal even started getting frustrated. The customer service representative I spoke to from Venmo told me her name XXXX XXXX. Very unhelpful customer service representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo has been holding approximately {$10000.00} of my money in a restricted account for several months and has refused to release it, despite my completing every verification step they have requested. Their requested steps, all of which I have completed : - Password reset : completed at least three times at their direction. - Government-issued ID upload with a selfie holding the ID : submitted multiple times. After each submission, support directs me to repeat the same steps rather than reviewing my case or providing any substantive update. The support interface itself frequently fails to load properly. Requests to escalate the matter to a supervisor or specialized review team have gone unanswered. This is a months long pattern of being given the runaround on access to my own funds, with no real explanation, timeline, and no meaningful path to resolution after multiple good faith attempts. I am asking the CFPB to require Venmo to either release my funds or contact me to confirm my identity as I have already tried to do as they requested through the regular channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I filed a complaint with you on XX/XX/XXXX. PayPal is not doing their due diligence investigation to solve this scam on my PayPal account. Nothing has changed since my filing. I would like a follow up on my complaint with PayPal. This is totally a fraudulent case as a senior citizen. These unauthorized charges to these unknown people I have no interactions with is not being addressed. In my nine years with PayPal Ive never been so used. My track history will show Im just a regular customer member using PayPal for regular transactions to stores. Large amount of money transactions to unauthorized unknown people! I need justice being scammed

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 2026-05-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There were two fraudulent charges made to my Apple Credit card that is handled through Goldman Sachs, on XX/XX/year>. I contacted Apple Card Support the day the charges showed up on my account to report the charges were fraudulent. Goldman Sachs had already blocked second charge and shutdown my card. Unfortunately, the first charge was not reversed that day after I contacted Apple Card Support. I tried to contact the merchant, XXXX, but they had no telephone support from what I could see. I did send XXXX, through their online communications tab, the information that the charge was fraudulent. I did receive an email from XXXX on XX/XX/year> stating that the transaction was in dispute ( see below ). That is the last time I heard from XXXX. Hi XXXX, Thank you for reaching out to XXXX! We can't send you an SMS Message. We have checked this order number filed on this order XXXX has an active dispute. Our response to the dispute will be submitted to your dedicated financial institution on XX/XX/year>. From this date, it can take up to 75 days for your banking institution to review and make a decision. Until then, systematically, were unable to process any refunds on our end. We do apologize for any inconvenience this may cause as this is standard process when there's a chargeback submitted. In the future, please reach out to us directly to assist you with resolving any refund request ( s ). We appreciate your understanding and patience. If you have any additional questions, please let us know. Best wishes, XXXX XXXX I did receive a small womans item from the XXXX order which I tried to create a return with XXXX. Again, this was through there website communications channel. I never received instructions on how to do the return. Possibly because the entire order was in dispute. The item I received was listed as {$47.00}. The largest amount of the fraudulent charge was {$600.00} for what I believe were gift cards sent by XXXX via email to the person doing the fraud. The disputed charge has been put back on my Apple Card account multiple times and I have had to resubmit the dispute each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: HI

Complaint narrative:
frequently getting a text saying i owe for an at & t phone bill for x amount of money and can lower it with credence debt collector. i do not own an at & t account

Company response to consumer: Closed with non-monetary relief