vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Point Digital Finance, Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX or XXXX is a relatively new device which allows a homeowner to tap into his home equity for a cash payment. In return the " borrower '' agrees to pay back the cash by granting the " lender '' a percentage of the appreciation over a specified period. I dealt with a company called " Point '' through a long application process which was cancelled by me because of an intentionally bogus appraisal which they refused to revise. I was to agree to repay the cash advance by pledging XXXX per cent of appreciation of the property over the appraised value if/when it was sold or transferred. The obvious flaw in the process is the complete reliance on the appraisal, meaning the lower the appraised value the higher the appreciation would be and accordingly the payback. But Point picks the appraisal " expert '' who has an obvious incentive to keep the value as low as possible, and the system they set up to challenge this number is next to impossible to overcome. In my case the appraisal came back {$150000.00} lower than actual market value.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Validation of Debt Request - MERCHANTS AD/MONTGOMERY RADIOLOGY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Validation of Debt Request- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request- XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
I never heard of this company nor have I borrowed.monry

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card for {$2000.00} on XXXX XXXX Order # XXXX ) from seller XXXX, using my PayPal Credit card issued by Synchrony Bank XXXX The seller shipped the item to the wrong address. XXXX XXXX number XXXX confirms the package was delivered on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX. This is not my address and has no association with me. The seller admitted to the error in writing through XXXX messages on XX/XX/year>. The seller stated their staff was overloaded with orders and used the wrong shipping label. The seller acknowledged the item went to the wrong address and that it would not be returned to them. The seller offered to either reship or issue a full refund. I requested a refund. The seller then stated they had contacted XXXX and that I would be refunded within 3 days. That refund never came. Instead, the seller refused to cancel the order. XXXX closed my Item Not Received case. Because I then opened a chargeback with Synchrony Bank, XXXX would not reopen my buyer protection claim. I have now disputed this charge with Synchrony Bank XXXX times. Every time, I submitted the XXXX tracking showing delivery to the wrong address, the seller 's messages admitting the shipping error, and proof of my actual address. Both times, Synchrony denied my dispute with the same reason, that the item shows as delivered, without addressing the fact that the delivery address on the tracking does not match mine. It appears Synchrony may be seeing that XXXX has my correct address on file and assuming the item was delivered to me, rather than actually checking the XXXX tracking number, which clearly shows delivery to a completely different address. The seller 's own written admission confirms this error. Synchrony has now agreed to reopen the dispute a fourth time, but given three identical denials that ignored my evidence, including the seller 's own admission of fault, I have no confidence the outcome will differ. Synchrony has failed to conduct a reasonable investigation as required under the Fair Credit Billing Act.

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 2026-03-02 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding Alliant Credit Unions improper denial of my credit card dispute ( Case XXXX ). The dispute concerns a hotel stay at DoubleTree by Hilton from XX/XX/year>. During the stay, I documented and reported serious health and safety failures, including : Strong marijuana odor in the room Severely stained bedding ( multiple occurrences ) Roach in the bathroom Exposed wiring and wall damage Filthy carpet and sanitation concerns Television malfunction These issues were reported during the stay. The hotel acknowledged the problems and offered only a partial refund. Hilton Corporate also refused to issue a full refund, and the matter remained unresolved. I filed a chargeback based on services not as described/ materially deficient services. On XX/XX/XXXX, Alliant denied the dispute with the reasoning that I stayed for the entire reservation and services were provided. This reasoning is improper and incomplete. Remaining at a hotel after reporting unsafe and unsanitary conditions does not constitute acceptance of materially deficient services. I was not relocated to a comparable room, and the conditions were not fully corrected. Alliant failed to properly evaluate : Timely complaints made during the stay Merchant acknowledgment of defects Partial refund offer ( admission of service deficiency ) Corporate refusal to resolve the matter Documentation demonstrating material breach of lodging standards The denial appears to be based solely on the fact that I completed the stay, without addressing whether the services were provided in accordance with contractual and brand standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, a {$510.00} debit card transaction posted to my account from AMIGOS MARKET in XXXX XXXX, Massachusetts. The transaction is labeled as an in-person money transfer. I have never been to Massachusetts and have never conducted any transaction at this location. I still have my physical debit card in my possession, and no one else has access to it. I immediately disputed the charge with Chase Bank after noticing it. My claim has now been denied twice. I was not provided with sufficient documentation proving that I authorized this transaction. I have requested clarification regarding what evidence was used to deny my claim, but the responses have not adequately addressed my concerns. Because I was never in Massachusetts and did not authorize this in-person transaction, I believe this may be a case of card cloning or fraud. I am requesting a full reinvestigation under Regulation E and written documentation showing the basis for denying my previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I deposited my Social Security check total in {$21000.00} in my account on XX/XX/XXXX. My account was closed XX/XX/XXXX due to a fraud investigation. The banks said they will let me know within XX/XX/XXXX days, they did not then they sent me a letter they sent me a letter that they will let me know inXX/XX/XXXX days and they did not. They did release the funds that was already in my account prior to me. Depositing my check but never release my funds of {$21000.00} XX/XX/XXXX. They call me and said I need to go to the Social Security office and get them to email a hold harmless letter. I went to the Social Security office today, XX/XX/XXXX and the rep assured me that Social Security administration do not issue hold harmless letters and they do not email banks on any circumstances and for me to call the US Department of Treasury. I called the Department of Treasury and it was confirmed that the check was cleared to be dispersed XX/XX/XXXX Citi Bank claim that they have no way to verify the check, that the tried several times which have been proven to be deceptive. I sent XXXX XXXX the XXXX and the executive fraud unit informing what an agent from the bureau of fiscal services at phone number XXXX. Advise me to inform Citi Bank of the debt of this directive. To release my funds or send the check back to the United States Treasury. I was informed that Citi Bank have a direct line to call to verify checks of Social Security. They are being deceiving to me and withholding my funds, which is a federal payment and the fiscal department instructed that the bank must either release my funds immediately or return the check to the USTreasury and provide a cashiers check number and date of return to the treasury department. I would like this case investigated and Citi Bank to release my funds immediately thank you.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
" Venmo is in possession of my digital property ( USDT on Solana ) at a specific wallet address they control, but is refusing to return it despite having the technical access to do so. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received call from Capitol One asking if I tried to open a credit card account. They called because after the application was processed the address was changed to a Florida location. According to the caller it was processed XX/XX/year>. XXXX XXXX XXXX, XXXX, FL. I asked for the zip and they hung up on me. I do not live in Florida. I did not apply to Capitol One for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
Dear XXXX Consumer Assistance,, XXXXXXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXXXXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXXXXXX XXXX XXXX - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Company : Apple Card / Goldman Sachs Bank USA Issue : Inaccurate late payments reported on my credit report Complaint : I am formally disputing multiple late payment entries that Apple Card / Goldman Sachs Bank USA has reported to the credit bureaus on my account # XXXX. The following late payments are inaccurate and unverifiable : XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/year>. I have made all payments on time according to my account statements and billing cycles. The continued reporting of these false late payments is damaging my credit report and credit score. Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ), Apple Card / GS Bank USA is legally required to : Ensure the maximum possible accuracy of all information reported to consumer reporting agencies ; Conduct a reasonable reinvestigation when a dispute is submitted by a consumer or a credit bureau ; Correct or delete any information that can not be verified within the statutory timeframe. Apple Card / GS Bank USA has failed to provide documentation substantiating these late payments. Because this information can not be verified, I demand that Apple Card / GS Bank USA : REMOVE ALL DISPUTED LATE PAYMENTS ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/year> ) FROM MY CREDIT REPORT IMMEDIATELY ; Provide written confirmation that these deletions have been completed ; Notify all consumer reporting agencies of the corrections so my credit file is accurate ; Cease reporting any unverifiable late payments until they can be fully substantiated. If Apple Card / GS Bank USA can not verify these late payments with proper documentation ( such as payment history, billing statements, and account records ), continued reporting of this inaccurate information constitutes a violation of the FCRA and may expose the company to legal liability. Please investigate this matter and provide written confirmation of the resolution immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX I received a Annual Escrow Account Statement from Select Portfolio Servicing ( SPS ) for my primary home. According to that Statement, I had been paying {$830.00} as Monthly Mortgage Escrow for a 12 Month total of {$9900.00}. Those numbers are incorrect. I contacted SPS to request a correction. SPS had used the incorrect numbers were used by to claim there had been a change of {$8600.00} in tax payments and I had a shortage in my account of {$8300.00}. Currently, SPS is improperly charging me approximately $ XXXX monthly in excess escrow payments based on SPS incorrect numbers. SPS would not correct the Escrow Statement- but they provided me with my Account Statement that confirmed I actually paid {$16000.00} in escrow for XXXX. I then wrote back to SPS to again respectfully request a correction. On XX/XX/XXXX, SPS wrote back saying its numbers are accurate and it will not make any changes. I wrote back to SPS on XX/XX/XXXXXXXX and XXXX. I attached my Tax Statement from SPS that confirms what I paid in escrow in XXXX as well as a Federal Court Order and Consent Decree where SPS was permently enjoined from making misrepresentations about the payments due to SPS. On XX/XX/XXXX, SPS responded to my letters saying " this matter is closed ''. Accordingly, I respectfully request the aid of the CFPB to resolve this matter. SPS should not unjustly enrich itself by receiving monthly payments hundreds of dollars in excess of the correct escrow amount.

Company response to consumer: Closed with explanation