vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I financed airline tickets through Flex Pay/Upgrade as part of a XXXX Airlines XXXX XXXX approximately {$1400.00}. The purpose of the loan was for travel services for me and my family, including my infant child. XXXX XXXX later cancelled the flights, meaning the contracted travel services were never rendered. XXXX initially indicated that a refund to the original form of payment was available ; however, when I attempted to retrieve the reservation and process the refund, the reservation became inaccessible through the XXXX XXXX website and now displays Reservation Not Found. Despite the cancelled flights and inability to access the reservation or obtain the refund, XXXX XXXX continues charging me monthly payments on the loan for services I never received. I contacted both companies requesting assistance, including refund coordination between XXXX XXXX and XXXX XXXXXXXX payment suspension, and loan forgiveness consideration due to the circumstances and resulting financial hardship. I explained that I entered the financing agreement in good faith with the intention of traveling and paying the loan responsibly, but the underlying service was never provided. At this time, I am requesting assistance because I believe it is unfair to continue collecting payments for services not rendered, especially when the merchant cancelled the flights and the reservation can no longer be accessed to complete the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A levy from the State of Michigan was placed on my account. After discussing the levy with the state of michigan, they faxed over to capital one a release form. Capital One still sent a check for {$2500.00} to the State of Michigan. When I call Capital One to ask if the check was cashed they advise me I have to call State of Michigan to confirm that info. They will not provide me a check number nor advise me if the check was cashed. State of Michigan shows nothing on their end. Capital One will not provide any transaction details even though its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I contacted chime about fraud on my account and provided police report they are saying it was fraud and will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited XXXX into XXXX, after XXXX minutes it gave me XXXX and said it timed out. I went into the bank and make a claim. They wouldn't ime see the video.After XXXX months they denied it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverifiable collection account being reported and collected. This account is reported as being owned and collected by LVNV Funding LLC ; however, the information being reported appears incomplete and inconsistent. The original creditor is not properly identified in the reporting, and the account appears to originate from a XXXX personal loan, not LVNV Funding LLC. The account details, including the reported balance and ownership chain, are not fully accurate or verifiable based on the information provided. I am requesting : 1. Full validation of the alleged debt 2. Documentation of the original creditor and full account history 3. A complete itemized breakdown of the balance, including any fees or adjustments 4. Documentation showing the chain of ownership from the original creditor to LVNV Funding LLC 5. Correction of any inaccurate or incomplete information reported to credit bureaus I am requesting a fair and reasonable resolution of this matter, including correction or removal of any information that can not be fully verified or accurately substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Account reporting is inaccurate and incomplete. The status, balance history, and charge-off information are inconsistent between the original creditor and collection tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of a fraud dispute involving approximately {$7200.00} lost through a fraudulent impersonation and social engineering scam. On or around XXXX, I was contacted by individuals falsely representing themselves as legitimate representatives associated with my financial institution/state employees. Due to these false representations, I was manipulated into sending funds through Cash App under the belief that the transactions were necessary and legitimate. These transactions were fraudulently induced through deception and impersonation. I promptly contacted Cash App and filed a fraud dispute regarding the transactions ( XXXX ). I explained that this was an impersonation scam and not a normal voluntary payment. Cash App later denied my claim ( XXXX ), stating only that the funds were dispensed properly and that no error occurred with this transaction. My concern is that Cash App appears to have focused only on whether the transactions technically processed successfully, rather than whether the transactions were fraudulently induced through social engineering and impersonation. I requested reconsideration, escalation, documentation supporting the denial, clarification regarding whether the recipient account was investigated or flagged for fraud, and confirmation regarding whether any recovery efforts were attempted. Cash App did not provide meaningful information addressing these concerns before closing the dispute. I am requesting that this matter be reviewed and that Cash App be required to provide a meaningful investigation into the fraud aspects of this case. Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
My issue is with XXXX credit card processing. They have held my business transfers for XXXX weeks claiming my account is under review. Case # XXXX They have promised XXXX XXXXimes to follow up with me and release my funds. They don't follow up or release the funds. All agents are foreign speaking and difficult to understand. No supervisor or management is available to escalate. They currently are holding {$4100.00} of sales that I've made and processed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NCB Management Services , Inc.Attn : Collections Department Sent via Certified Mail : N/A Re : Chain of Custody / Debt Ownership DisputeOriginal Creditor : XXXX XXXXAlleged Account Number : [ Last 4 Digits ] Collector Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally disputing the validity and ownership of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request complete documentation establishing the chain of custody and legal transfer of this alleged account from the original creditor to NCB Management Services , Inc. At this time, I do not acknowledge liability for this debt, and I request strict proof of your authority to collect. Please provide the following documentation : A complete chain of title showing every transfer, assignment, or sale of this account from the original creditor to NCB Management Services , Inc. Copies of all purchase agreements, assignments, or bills of sale related to this account. Documentation identifying the date the account was transferred or sold. Proof that NCB Management Services , Inc. has legal standing and authority to collect this alleged debt. A copy of the original signed agreement or contract bearing my signature. Full accounting records showing the amount claimed, including fees, interest, and adjustments. Verification that the information being reported to consumer reporting agencies is accurate and complete. Under federal law, collection activity on disputed accounts must cease until proper validation is provided. If you can not provide the requested documentation proving ownership and authority to collect, I request immediate deletion of all reporting associated with this account from all consumer reporting agencies. Additionally, if inaccurate or unverifiable information continues to be reported, such actions may constitute violations of the FDCPA and FCRA. I request all future communications regarding this matter be made in writing only. This letter is not an admission of liability, nor permission to continue collection activities without proper validation. All rights are reserved. Please respond within 30 days of receipt of this correspondence. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TN

Complaint narrative:
I am a XXXX XXXX and On XX/XX/XXXX Netspend took XXXX dollars from my account balance to overnight me a netspend card with my funds of XXXX on it. On XX/XX/XXXX the card came by XXXX and I tried to activate it and was unable to bc it says that account is closed.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i received a phone call from XXXX from Td bank yesterday who reviewd my account. XXXX stated that at the time she did not see the XXXX transfer for my refund but she would request information CS that i spoke with on XX/XX/year> that provided me with mis-information. today i received a notification from the IRS that my refund was sent to my banking institution ( TD bank ) the funds are still not available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC
State: IA

Complaint narrative:
Got a letter from my work saying they are garnishing my wages and I never had a court date and was never told where this debt was coming from. Also, have my birthdate wrong on the paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Received an American Express gift card and have not been able to it anywhere. It was for {$200.00} and it has been declined at XXXX restaurants, a third told me they flat out dont accept them. It was declined at the grocery store, XXXX XXXX, XXXX and when I tried to use it pay a bill. I was finally able to use it to pay a medical bill but then tried to use it again to buy icecream .. denied again. It doesnt work anywhere and this is frustrating! The balance is around {$120.00} I believe but of course when I tried to check the balance on Amex website you get an error. Where do these work????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
Im having so much trouble getting my account unfrozen. It was frozen because they thought there were people trying to login to my account but Ive had my passwords changed and Im good now. Its been half a year now Ive sent several emails to support and they send me an email back saying to send in pictures for verification and I do that then no one ever responds back. Ive got money in my account and want to continue investing with you or take my money out and start a new account with you. Can someone please help me with this. Thank you! This is what I have sent XXXX so many times the company is XXXX and they have my account frozen and its been months now and Ive had no response on help with it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Since at least XX/XX/year> my Savings and CD 's have been suspended. The reason the gave me was in an email copied below : For your protection, we've suspended your External Transfers profile. 1. There has been adverse activity reported on your profile. 2. We have received information that you may not be the owner of one of the external accounts added to your transfer profile and have taken this action as a security precaution. At no point in time has any body been able to explain the adverse activity. However a manager did acknowledge that he knew I was the owner of the external account and for how many years. This investigation should never have happened. Please help them resolve this issue.

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 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: AL

Complaint narrative:
I will attach what I got off the website for my 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Financed a bath remodel on XXXX for {$10000.00} with Synchrony. Been paying {$300.00} every month since then even though the minimal was {$260.00}. XXXX of XXXX comes and I go to pay the bills. I get to Synchrony to pay the {$300.00} like I have been religiously and see {$8900.00}. Wondering where this charge came from I had to search through my statements. I see the {$5500.00} was actually added to Marches Statement. Thats when I understood what deferred interest was. During sale it was explained to me that interest wouldn't be charged after a certain amount of time. And after that I would be charge interest on the amount. Never understood it as the purchase amount, thought it was the remainder if I didn't have it paid off yet. The statements show deferred interest since the first but slowly added up over time. To me that looked like the amount I would have been charge if not for the promotion. If the deferred interest ment for the whole purchase amount it should have showed as {$5500.00} from the beginning. Not only was Synchrony not clear on how the interest would be charged, they gave no other communication this will occur besides the bottom of the statements. It appears highlighted red only 2 months statements prior. For a charge like this or for any promotional period ending they should send either a separate email or a physical mail notice referring to the upcoming charge to assist their costumer. On top of that, the physical sale slip copy I was given and kept filed at home is clearly written as 27 months. Not 24. While traveling for work Friday XX/XX/XXXX I messaged the Synchrony app immediately to get clarification what was charged to my card. Called Synchrony twice on Monday XX/XX/XXXX to explain how I did not understand this was going to occur. Asked them to remove the interest charge and Ill pay off the remainder in whole. Was told twice by a Rep and a Credit Supervisor that there is " nothing '' they can do. Wife called Synchrony XX/XX/XXXX and filed a formal complaint. Same day I paid {$3100.00} which is the current amount balance minus the {$5500.00} interest charge. I can not afford to pay off the remaining amount of {$5500.00} and at 26.99 % I will quickly go in a snowballing debt.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am the victim of identity theft and I dispute these accounts in their entirety. I did not open or authorize these accounts and I do not owe this debt. Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked and removed from my credit report immediately. Please investigate and provide : * Original application or signed agreement * Proof of identity used to open the account * Complete account history * Chain of assignment/ownership * Method used to verify this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I disputed inaccurate medical debt reporting, but the investigation failed to correct the problem and the account continues reporting without proper verification. Already disputed the account, the bureaus/collector continued reporting it, balances and reporting remain inconsistent, and they failed to provide proper verificationXXXX XXXX Debt was not verified after dispute ABLY XXXX XXXX Ability Recovery Services LLC XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XXXX stated : You have already disputed the item at least XXXX within the last XXXX days. MOV demands were sent after the bureaus claimed the accounts were verified. XX/XX/year> XXXX collection continued reporting during active disputes. I disputed these accounts multiple times between XX/XX/year> and XX/XX/year>. Despite my disputes, XXXX of XXXX requests, and Notices of Intent to XXXX, the accounts continue reporting with conflicting balances and inconsistent information. XXXX later labeled the dispute frivolous even though new information and updated reporting discrepancies existed. The furnishers and bureaus continue updating the accounts after disputes were filed without providing competent verification documentation.

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I called Wells Fargo Auto Loan division today to discuss a hardship arrangement. I was diagnosed with XXXX XXXX on XX/XX/XXXX and involuntarily terminated after disclosing the diagnosis to my employer. I was terminated on XX/XX/XXXX. I called Wells Fargo today to discuss payment arrangements, given likelihood of continued unemployment for 3 surgeries through the end of XXXX. I was told that I could defer payments for 2 months starting in XX/XX/XXXX. Basically, I could skip payments in XXXX and XXXX and would then resume payments in XX/XX/XXXX. This isn't sufficient.

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 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: eMortgage Funding LLC
State: OH

Complaint narrative:
It was called emortgage funding Im not sure but I thought it was a company trying to help us save our house by giving us loan to catch up the number they called from was XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 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: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX .. I woke up to an Unauthorized charge on my debit card from a company called XXXX .. I didn't know what this company was .. I didn't authorize the charge .. I called XXXX bank to see what's going on .. a chime usually sends me a text asking if I authorize that charge .. I didn't receive that text at all .. {$890.00} was taken off my card .. I contacted this company asking for my Refund plenty of times .. response is excuses .. contacted Chime to file dispute to get my back .. Chime denied me.. I have proof this company is Fake.i showed proof to chime.Still denied .. How chime let XXXX XXXX go to someone I don't recognize and the company is Fake.. I never authorized this payment..

Company response to consumer: Closed with explanation