vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: NY

Complaint narrative:
Although my bank ultimately reimbursed my loss, I am requesting that the CFPB make note of Cash Apps current practices regarding erroneous peer-to-peer transfers and the lack of meaningful consumer protections available to users. In my case, I accidentally sent {$70.00} to the wrong $ cashtag due to a username entry error. I immediately reported the issue, requested the funds back, and fully cooperated with Cash Apps support process. Cash App acknowledged that the payment was sent to an unintended recipient but stated that once a payment is marked complete, they are unable or unwilling to reverse the transaction or otherwise assist in recovering the funds. This creates a system where unintended recipients are effectively allowed to keep money sent in error unless they voluntarily choose to return it. Consumers are left without meaningful protection, despite these transactions often being funded through linked debit cards and bank accounts. Traditional banking systems typically include stronger error-resolution procedures, safeguards, and escalation mechanisms for mistaken transfers. By contrast, peer-to-peer payment platforms appear to place the entire burden on consumers, even in situations involving promptly reported, documented recipient errors. I respectfully request that the CFPB consider reviewing : - whether current consumer protections for peer-to-peer payment platforms are adequate, - whether additional recipient verification or reversal mechanisms should exist for erroneous transfers, - and whether stronger regulatory standards should apply when transactions are funded through consumer banking instruments such as debit cards. My concern extends beyond my individual case and relates to broader consumer financial safety issues affecting users of digital payment applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: MN

Complaint narrative:
I allied interstate is attempting to collect a debt from me never heard of this company and I have no business dealings with them Ive asked this company to respond and let me know of this alleged debt and show me proof they have ignored my attempts to validate debt instead have sent me text messages regarding this information

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding Chase Banks apparent failure to honor the full promotional terms presented when I applied for a new Chase XXXX XXXX XXXX credit card. At the time of my online application, Chase presented a promotional offer stating that I would receive a total of XXXX XXXX XXXX bonus miles after satisfying the required spending conditions. The offer consisted of : XXXX standard bonus miles Additional XXXX bonus miles tied to a XXXX agents promotional code During the application process, I successfully entered a XXXX agents promotional code : XXXX. The application process indicated a total offer amount of XXXX bonus miles. I relied on this representation when deciding to apply for and open the account. I subsequently fulfilled all spending and qualification requirements associated with the offer. Chase later posted XXXX bonus miles to my XXXX XXXX account, confirming that I satisfied the promotional requirements. However, the additional XXXX promotional bonus miles have not been credited yet. This raises significant concerns regarding promotional fulfillment and consumer representations. Chase benefited from my decision to open the account and satisfy spending requirements based upon the advertised total offer. After I performed my obligations, Chase delivered only a portion of the represented promotional incentive. If Chase accepted and displayed the promotional code during the application process, then Chase should honor the complete offer exactly as represented. I believe this conduct may constitute misleading or incomplete promotional practices because the represented offer induced me to open the account and complete required spending activity, yet the full benefit has not been provided. I request immediate posting of the missing XXXX XXXX XXXX bonus miles to my XXXX account by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Charge-Offs and Collection Accounts To Whom It May Concern, I am formally disputing inaccurate and unverified accounts reporting on my consumer credit file pursuant to the Fair Credit Reporting Act. The following accounts are disputed : LVNV funding llc / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX These accounts are inaccurate, misleading, incomplete, and/or unverifiable. Under 15 U.S.C. 1681c-2, any information resulting from identity theft or inaccurate reporting must be blocked from reporting within the required statutory period upon proper notification. Additionally, under 15 U.S.C. 1692c, I request that all collection activity and communication regarding these disputed accounts cease until proper validation has been provided. Further, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any disputed information is reinserted into my consumer report, your agency must provide written certification of the completeness and accuracy of the information along with notice of reinsertion. I am requesting : Immediate investigation of these accounts ; Verification with competent documentary evidence ; Deletion of any unverifiable, inaccurate, or incomplete information ; Written results of your investigation. Please note that failure to comply with the Fair Credit Reporting Act may constitute willful noncompliance. I expect this matter to be resolved within the time permitted under federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp.
State: WA

Complaint narrative:
On or before XX/XX/2026, I submitted a written debt validation request to the collection agency via USPS certified mail. Delivery was confirmed on XX/XX/2026, at XXXX XXXX in XXXX XXXX, WA XXXX, left with an individual. As of today, XX/XX/2026 96 days later I have received no response, no validation of the debt, and no written notice acknowledging my request. Under the Fair Debt Collection Practices Act, the agency was required to respond to my validation request and cease collection activity until the debt was validated. They have done neither. I am requesting the CFPB investigate this failure to respond and compel the agency to provide written validation or cease all collection activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Sir/Madam, I am contacting you regarding an unauthorized transaction that was previously investigated and resolved in my favor by XXXX XXXX. After reviewing the evidence I provided, the amount was credited back to my account as a permanent credit because it was determined that I was not responsible for this transaction. However, after a significant amount of time, the charge has unexpectedly been reapplied to my account, and I was informed that the merchant allegedly had no agreement with the shipping company. This explanation is unacceptable, as the issue clearly involves unauthorized receipt and delivery of the package by another individual without my knowledge or consent. The purchased item was reportedly delivered with signature and ID verification requirements. However : * I never received the package. * The signature on file is not my signature. * I did not authorize anyone to receive the package on my behalf. * I was at work during the alleged delivery time, and I have official weekly payment/work records proving I was working at those times. * All actions related to this transaction occurred without my knowledge or authorization. I have supporting documents and evidence available, including : * Proof of employment and work schedule/pay records * Signature mismatch evidence * Prior dispute resolution records * Delivery-related documentation Since XXXX had already investigated this matter and found me not liable, I respectfully request that this case be reviewed again immediately and that the charge be permanently removed from my account. I ask that you carefully review all evidence and take the necessary action to resolve this matter fairly. Thank you for your attention and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I paid off a mortgage with Rocket Mortgage on XX/XX/XXXX in the amount of {$6200.00}. They said I would receive a check in the amount of $ XXXX called XX/XX/XXXX and they said it takes time. I called them again on XX/XX/XXXX to ask where it was and they blamed it on the post office and said they would reissue another check. I called them XX/XX/XXXX and after 20 minutes talking to them and listening to their excuses hung up on me. I called them XX/XX/XXXX and they said a check was reissued on XX/XX/XXXX listening once again to their excuses about the USPS. My taxes and insurance is due. How do I get this money?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I bought a lifetime XXXX membership back on XX/XX/year>. It was through XXXX. I got kicked from that membership no response nothing from the owner themselves. I tried contacting XXXX but they said its outside there window of refund which is 120 days and I tried the bank with disputing the transaction and still nothing. I feel scammed because I paid for something that was suppose to be lifetime. The back is Bank of America

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 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I contacted the collection agency ( United Collection Bureau ) listed on my credit report to request information and validation regarding the alleged debt being reported under their company name. The representative was unable to provide any information about the account, could not verify the debt, and stated they no longer had the debt. Despite this, the account continues to appear on my credit report and is negatively affecting my credit score. This inaccurate or unverified reporting is also delaying my mortgage approval process and causing financial harm. I am requesting removal since the debt can not be properly verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Money Management International, Inc.
State: TX

Complaint narrative:
I enrolled with Money Management International ( XXXX ) in approximately XX/XX/XXXX while I was employed and able to make regular payments through the program. In XX/XX/XXXX, I lost my job and began experiencing financial hardship. After informing XXXX about my situation, I was told that missed payments could simply be added to the end of my contract term. It was never clearly communicated to me that my accounts could default, stop receiving payments, or potentially be sold to collection agencies during that time. By XX/XX/XXXX, I had approximately {$1700.00} sitting in my XXXX account that had not been disbursed. Because the funds remained in my account, I believed XXXX was still properly managing and making payments to my creditors. Beginning in XX/XX/XXXX, I repeatedly contacted XXXX after learning that several of my accounts had been sold or transferred to collection agencies. I provided updated information, including phone numbers and account details for the new collection agencies handling my debts. Despite receiving this updated information, XXXX still sent my funds to the original creditors instead of the current collection agencies. After these incorrect disbursements were made, my available balance dropped to approximately {$300.00}. I contacted XXXX multiple additional times regarding this issue. I was informed that XXXX was attempting to request refunds from the creditors who improperly received the funds. However, I was never provided with a clear timeline, confirmation that the funds would actually be returned, or a clear explanation regarding the status of my money. I informed XXXX that if there was no meaningful progress within two weeks, I would cancel my account. On XX/XX/XXXX, after receiving no resolution, I contacted XXXX and canceled my account. During that call, I was told I would receive a refund of the remaining $ XXXX balance, but the representative could not tell me whether I would recover the remainder of the funds that had already been sent to prior creditors. On XX/XX/XXXX, after my account had already been canceled, I received a notification from my bank stating that XXXX attempted to withdraw an additional {$180.00} from my account despite my cancellation request. I believe XXXX failed to properly manage and disburse my funds after receiving updated creditor information and continued attempting withdrawals after I canceled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home 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: SN SERVICING CORPORATION
State: MI

Complaint narrative:
I have asked this question via email 4 times : I am going to list the payments I made which are shown on my banks website displaying sent ; I need to know if you show receipt of the payments I have listed : XX/XX/XXXX - {$3400.00} - I believe this was the last payment fulfilling the arrangement to take us out of foreclosure XX/XX/XXXX {$1300.00} - XXXX payment XX/XX/XXXX {$1200.00} - XXXX Payment XX/XX/XXXX {$1300.00} - XXXX Payment XX/XX/XXXX {$1300.00} - XXXX Payment XX/XX/XXXX {$1100.00} - XXXX payment XX/XX/XXXX {$200.00} - XXXX Payment XX/XX/XXXX {$1300.00} - XXXX P ayment - returned saying we were 90 days past due which i cant see how. If you did receive all the above listed payments were received, then I should only owe for XXXX., If you somehow come up with other months are missing you are going to have to explain how ; as the list above ( unless the above is wrong ) shows I only owe for one month and perhaps some change ( a couple XXXX dollars ). We were pushed into foreclosure late last year using the same methods ; they generally only respond one time for every 4 emails i send ; she keeps sending my yearly statement which doesn't show all the payments I made. I believe they are once again trying to push us into foreclosure, using fraud, misplacing payments and illegally sending them back. thank you for your time. regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OK

Complaint narrative:
Since about XX/XX/XXXX I have been contacted on numerous occasions about a debt that I owe to an apartment complex I never lived in. After explaining to the apartment complex that I never lived there they seemed to understand. Since about XX/XX/XXXX I have been contacted by debt collectors that were sold my data by the apartment complex. I have had multiple conversations with the data center and have achieved nothing. I have been yelled at and called a liar. They refused to verify my information and continuously refuse to send me documents they have confirmed they possess numerous times on numerous recorded phone calls. I am told to pay my debt or get off their phone. Although my responses to their comments are not professional, I am beyond frustrated. This has now affected my credit and they continue to change the balance by few dollar amounts and its raising and lowering my credit every couple of days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased appliances through Synchrony financing with an original balance of {$12000.00} and had automatic payments set up on my account. Due to the passing of my husband, XXXX XXXX, and the overwhelming emotional and financial responsibilities that followed, I unfortunately did not realize the promotional payoff deadline ended on XX/XX/year>. As a result, Synchrony added approximately {$4000.00} in deferred interest charges to my account, increasing the balance significantly. I resumed payments immediately on XX/XX/year>, once I became aware of the issue. I contacted Synchrony multiple times requesting hardship assistance, a goodwill adjustment, or reduction of the deferred interest charge. I explained my personal circumstances and that I believed my account was being properly managed through autopay. However, Synchrony refused to provide any assistance or meaningful review. I believe the retroactive interest charge is excessive and financially harmful, especially during an extremely difficult personal hardship. I also do not believe the promotional deadline and consequences were communicated clearly enough considering the severe financial impact. I am requesting a fair review and goodwill waiver or reduction of the deferred interest charges.

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 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing this formal complaint against JPMorgan Chase Bank , N.A . to demand an immediate executive corporate compliance investigation into unlawful title manufacturing, corporate robosigning, and the clouding of my real property title.JPMorgan Chase Bank, N.A. lacks the legal standing to maintain a security interest against my property. Operating through its legal processing center in XXXX, Louisiana, Chase willfully manufactured a fraudulent Assignment of Mortgage out of thin air and unlawfully recorded it against my property with the XXXX, XXXX Town Clerk on XX/XX/year>, in Book 1289, Page 680. Because Chase possesses no lawful underlying debt obligation against me, the fabrication and recording of this instrument constitutes a malicious cloud on my title. Compounding this violation, an audit of public records reveals irrefutable evidence that this recorded assignment is a completely fabricated instrument : The instrument was executed by an individual signing under the title of Assistant Secretary for XXXX as nominee for XXXX. Public land records across multiple jurisdictions prove that this signer is a high-volume Chase document execution employee who concurrently executes public records under the title of Chase Vice President. She possessed zero corporate authority to execute instruments on behalf of the original lender. The assignment was illegally notarized in XXXX XXXX, Louisiana, by a notary with ID number XXXX. Official state verification records from the Louisiana Secretary of State confirm that this notary lacks Remote Online Notarization authority. Because this digital instrument was processed across state lines without the mandatory physical personal appearance of the signers, the notarial act directly violates La. R.S. 35:191.1 and is legally void. A formal Sworn Complaint regarding these unauthorized and deceptive criminal notarial acts has already been filed with the Honorable XXXX XXXX, Louisiana Secretary of State - Notary Division.JPMorgan Chase Bank, N.A. can not utilize unauthorized out-of-state entities and corporate robosigners to manufacture a chain of title and encumber a residential property in the State of Connecticut. I demand that Chase Compliance immediately nullify this fraudulent document and promptly execute and record a formal Release of Mortgage to clear my land records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I am filing a complaint about a failed transfer involving my {$440.00} paycheck that was deposited into my Credit Karma account. I attempted to make an instant transfer from Credit Karma to my XXXX account, but XXXX declined the transfer. Even though the transfer was declined on XXXX side, Credit Karma still sent the funds anyway. After that, the {$440.00} disappeared from my Credit Karma balance, and I never received the money in XXXX or back in my Credit Karma account. I contacted both Credit Karma and XXXX to dispute the issue, but both companies denied my dispute and did not recover the funds. I am requesting help tracing where my money went and getting the {$440.00} returned to me. I also want a written explanation of the transfer, including the transaction details, routing information, decline reason, and proof of where the funds were sent after XXXX declined the transaction.

Company response to consumer: Closed with explanation