vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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: IL

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I am a XXXX veteran with 100 % covered medical care and that UCB is violating the Fair Credit Reporting Act ( FCRA ) by reporting a highly inaccurate, unverified insurance error as a consumer delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Us Bank put my account in review thus freezing everything including money in my checking account. This tied up my direct deposit SS and ability to make payments causing my credit rating to tank. This has cost me much worry and time trying to straighten it out. I ask only for relief on the the credit card payments and repair my credit rating.

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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc
State: NC

Complaint narrative:
Complaint Against DailyPay I am filing a complaint regarding missing earned wages and concerns about DailyPay 's handling of my account. On XX/XX/year>, I completed my work shift and properly clocked out. There were no issues with my employer 's timekeeping system. I personally observed XXXX XXXX submit my time information to DailyPay. However, the earnings for that day never appeared in my DailyPay account. I noticed a pattern in which certain workdays do not appear in my DailyPay account, while earnings from later workdays are posted. In this case, earnings from subsequent days appeared, but the earnings from XX/XX/year>, never posted. As of XX/XX/year>, I still have not received access to those earned wages. When I contact DailyPay customer service for assistance, I am routinely told that processing may take up to 48 hours. However, the earnings remain missing well beyond that timeframe. I have repeatedly attempted to obtain clarification regarding the missing funds, but customer service representatives have been unable or unwilling to provide a clear explanation. In addition, I have experienced what I believe to be unprofessional customer service. Representatives have placed me on extended holds, transferred me without resolution, provided inconsistent information, and in some instances disconnected calls before my concerns were addressed. These interactions have made it difficult to obtain answers regarding my missing earnings. My concern is that earned wages are not consistently being credited to my account and that consumers may not realize when earnings are missing unless they carefully monitor each day 's deposits. I am requesting that DailyPay conduct a full investigation of my account, explain why my XX/XX/year> earnings were not posted, provide any wages that remain outstanding, and ensure that future earnings are accurately credited and reflected in my account. I respectfully request that the CFPB investigate this matter and assist in obtaining a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
As previously reported in CFPB report numbers XXXX and XXXX, an identity theft packet was filed, and all notarized documents were provided to APS and then communicated to TSI. However, on XX/XX/year>, I received an email welcome package from TSI stating that I had a new account with XXXX in the same amount as the account that was already disputed and removed. XXXX states that they never received a dispute packet, even though I know I submitted all the documents requested by them. The woman on the phone with XXXX also stated that a call by someone claiming to be me was confirmed, the account was accurate, and that I was the property manager of the property. I asked twice who they spoke to because it did not make any sense that I would report Identity theft and claim to be a property manager at the same time. The woman on the phone states that there was no number associated with this call when it took place and that I would need to go to a different police department to file another identity theft report, even though they have my notarized documents on file. The woman from XXXX stated that this was done several months ago, even though I was never notified that a " verification call " took place, that there was an issue with their identity theft process, or that the debt that was never mine to begin with was being re-reported to TSI as valid and new. I again asked who was spoken to, because even a phone call from someone pretending to be me is also a form of identity theft, re-instating debt without my knowledge after reporting it as identity theft is another form of identity theft, someone calling in to be me and a property manager without verification is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My issue is with Venmo. On XX/XX/year> I accidentally sent a transfer from Venmo to a closed checking account with XXXX. I had meant to send it to another active checking account with ADP/Wisely. I called XXXX and they confirmed with me twice by phone, and once in person at the bank with a receipt of transaction that the money was returned to my account at Venmo. The reference number for this transaction is XXXX. The amount of money in the transaction is {$500.00}. I have talked with Venmo support a multitude of times and was even promised a return of the money XX/XX/year>. I did not receive that money. I have a screenshot of the date of payment by chat log with the Venmo agent. Soon after I was given a notice that my dispute was denied. I have a photos of the receipt of return from XXXX. I have not gotten my money back since the XXXX of XXXX. I need this money to eat and to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: MI

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, my XXXX account was hacked into, and the hacker purchased a " XXXX XXXX XXXX Plus XXXX XXXX Controller with Remote '' for the price of {$630.00}, which used my saved payment method of PayPal. I was awake at the time, so I immediately disputed the payment with PayPal, within minutes of purchase. The case was ongoing until XX/XX/XXXX, where paypal said, " Thank you for reporting this case. After our review, we found that certain transactions were authorized. '' No actual details were provided. I again disputed the transaction on XX/XX/XXXX, and the case was closed the same day for the same reason. Note that I also didn't receive the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays XXXX XXXX XXXX Upgrade Request for Removal of Hard Inquiry I am submitting this complaint regarding a hard inquiry that was placed on my credit report by Barclays as a result of what I reasonably believed was a credit card upgrade process. On XX/XX/XXXX, I contacted Barclays regarding an upgrade offer from my existing XXXX Plus Card to the XXXX XXXX XXXX. During that conversation, I was informed that I was eligible for an upgrade and that I could complete the process myself. Later that day, I attempted to use the upgrade link that had been provided to me. The link did not function properly. It initially displayed a blank screen and eventually redirected me to the Barclays sign-in page. After signing into my existing Barclays account, I searched for the XXXX XXXX XXXX and proceeded through what I believed was the upgrade process. Because I was already logged into my account and had been advised that I was eligible for an upgrade, I reasonably believed I was completing that upgrade. I was not attempting to apply for new credit. After completing the process, I discovered that a hard inquiry had been placed on my credit report. This was the very outcome I was attempting to avoid by contacting Barclays beforehand for guidance. I subsequently contacted Barclays multiple times and explained the circumstances. I requested that Barclays review the XX/XX/XXXX call, the failed upgrade link, and the confusion surrounding the process. Although Barclays reviewed the matter, I was advised that no assistance would be provided and that the hard inquiry would remain. My concern is that I relied on information provided by Barclays and attempted to complete an upgrade that Barclays had informed me I was eligible to receive. The upgrade link failed, and the alternative path I followed while logged into my existing account led to a hard inquiry that I neither expected nor intended. I respectfully request that Barclays conduct a thorough review of : The XX/XX/XXXX telephone call regarding the upgrade offer, the failed upgrade link and its functionality, whether the application process clearly disclosed that a new credit application and hard inquiry would occur. Whether a goodwill removal of the hard inquiry is appropriate under these circumstances. I am requesting that Barclays remove the hard inquiry from my credit reports as a goodwill adjustment due to the confusion surrounding the failed upgrade process and the guidance I received from Barclays representatives.

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 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding misleading and improper mortgage servicing conduct by Carrington Mortgage Services related to my loan modification and XX/XX/XXXX mortgage payment. On XX/XX/XXXX, I contacted Carrington to clarify whether my XX/XX/XXXX mortgage payment was due because my loan had recently transferred and my modification/payment information was not appearing correctly in the system. During that recorded call, the customer service representative explicitly informed me that I did not need to make the XXXX payment. I repeatedly clarified my understanding because I was concerned that missing the payment would place me behind due to my pay schedule. After multiple clarifications, I relied on the representatives instruction. Carringtons own written response now admits : there was a delay in recording the due date, the system did not show any payment scheduled at that time, and the representative informed me that no payment was showing due. However, Carrington later treated the payment as delinquent, assessed late fees, and reported the payment to the credit bureaus. Most concerning, Carringtons written response materially minimizes and mischaracterizes the substance of the recorded call. Their letter attempts to frame the conversation as merely stating that no payment was scheduled, when in reality I was explicitly told that I did not need to make the XXXX payment and I confirmed that understanding multiple times before relying on it. Carrington is also refusing to provide the recording or internal notes while simultaneously relying on its own interpretation of the recording to deny relief. Their response states that the requested records are confidential and proprietary. This situation has caused financial harm because the instruction disrupted my payment cycle and created a delinquency situation that I can not easily correct due to the timing of my income. Carringtons only proposed solutions were repayment arrangements that were not financially feasible or loss mitigation options that were inappropriate under the circumstances. I believe Carrington : provided misleading servicing information during a loan modification transition, failed to properly account for borrower reliance on its representatives statements, improperly assessed late fees after providing contradictory guidance, and failed to conduct a fair and accurate review of the recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX debt and collections took my call and sent me a receipt of how much I was paid and that the debt was removed due too my travel voucher going through. I got in contact with the dept of treasury who said to handle it with transworld systems inc since it was with them I did. They told me all I can do is dispute it and wait even though I sent them the paperwork. I disputed it with all credit unions and they said I still owe the debt even with receipt submitted. I want this account closed and removed in its entirety due to it being an admin error on dfas losing my paperwork in XXXX and not telling me until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting assistance in resolving a dispute regarding my credit card rewards balance. I was provided incorrect information by a Capital One representative during an account closure call, and relying on that information resulted in the immediate forfeiture of my XXXX miles ( a travel value of {$860.00} ) and my {$95.00} annual fee. XXXX XXXX : XX/XX/year> : My credit card was restricted pending income verification. XX/XX/year> : As a XXXX citizen living and working abroad, I submitted my valid XXXX payroll documentation from my employer ( XXXX ) along with corresponding bank statements. XX/XX/year> : I contacted Capital One to follow up. The representative informed me that my foreign documentation could not be accepted because the system requires XXXX salary slips. Because I am legally employed in XXXX and unable to provide XXXX payslips, I requested to voluntarily close the account. XX/XX/year> ( Account Closure Call ) : Prior to finalizing the closure, I explicitly asked the representative what would happen to my accumulated rewards. The representative informed me that I would have a XXXX grace period following the account closure to call back and request an account credit or a check for the value of my reward points. Based on this specific guidance, I authorized the closure. Late XXXX / XXXX XX/XX/year> : I called Capital One to redeem the value of my rewards within the stated XXXX window. The representative on this call stated that the previous agent had provided incorrect information, that the miles were forfeited immediately upon closure, and that they could not escalate the matter further. XXXX and XXXX Requested : I acted in good faith based on the explicit instructions provided by Capital One 's representative during the closure process. Had I been informed that closing the account would cause the immediate and permanent forfeiture of my miles, I would not have authorized the closure on that call. I request that Capital One 's XXXX XXXX team review the recorded phone call from XX/XX/year>, to verify the information provided by the agent. I am seeking a resolution in the form of a check mailed to my XXXX address for the value of the XXXX miles, along with a prorated refund of the {$95.00} annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: Coinbase, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding Coinbase , Inc. 's failure to process a routine legal name change on my account within the timeframe I was given, which is now preventing me from accessing my own funds. On Wednesday, XX/XX/year> at XXXXXXXX XXXX, I submitted a request to update the name on my Coinbase account to reflect my legal name change. At the time of submission, I was told the update would be completed by the end of that week, and possibly the same day. It is now XXXX, XX/XX/year>, and the change has still not been processed. Compounding the issue, I was told last week that my request had already been escalated. Today I was told that the request now needs to be escalated. These XXXX statements are contradictory, and I have received no consistent or accurate accounting of my request 's status. This delay is causing direct financial harm. Funds in my account become available for transfer tomorrow. Because my account does not yet reflect my legal name, I expect to be unable to move these funds as needed solely as a result of Coinbase 's failure to process a routine, timely-submitted request within the timeframe it represented to me. I have attempted to resolve this directly with Coinbase on multiple occasions and have received only conflicting information and repeated, unfulfilled assurances of escalation. Desired resolution : I am requesting that Coinbase ( XXXX ) complete the legal name change on my account immediately ; ( XXXX ) provide written confirmation to me once it is complete, including a case or reference number; and ( XXXX ) confirm that I will have unrestricted access to transfer my available funds. I am also requesting an explanation for the conflicting information I was given regarding the escalation status of my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I asked for a receipt of bill for a specific debt and I have not received any further detail describing the vent.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings, sometime in 2024, I booked an air ticket with XXXX XXXX for departure on XXXX XX/XX/year> to return on XXXX XX/XX/year>. However, I had to cancel my flight because plans changed. The FLIGHT NUMBER is XXXX and it was for a round-trip costing, {$1900.00}. The reservation code is XXXX and the Airline Reservation Code is XXXX ( XXXX ). Please note ; I did cancel my flight long before the deadline, hence, I requested for a refund. I did mention to them that I no longer bank with Bank of America, the account I paid with, and I would need them to send the refund to my new XXXX XXXX account. However, the criminals kept insisting that they must send the refund to the original account i paid with, I told them the account is closed and they finally said that I should send a letter from Bank of America showing my account is closed, which i did, many times over and over again. Despite all my efforts, the criminal airlines still " sent '' the refund to my former Bank of America account that got closed. XXXX XXXX claim that I should follow up with Bank of America with this ARN number : XXXX. I called Bank of America and produced the ARN number, Bank of America confirmed time and time again that they do not use ARN numbers. Please this case has been ongoing for well over two years now, and just as recently as two months ago I physically went into a Bank of America branch and the bank clerk got on the phone with the XXXX XXXX and explained the situation to them, that Bank of America received no such refund from them, because when a refund is deposited into a closed account, the refund bounces back to the sender ; hence, XXXX XXXX has the refund. Please shut down that criminal XXXX 's XXXX show, they are very notorious for that behavior of stealing from people, numerous customers complain bitterly about the fraudulent behavior of those money hungry XXXX, obnoxious greedy criminal fools.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Chase Bank is refusing to investigate an XXXX chargeback under Claim XXXX XXXX XXXX XXXX for \'Services Not as Described/Defective Services\'. The merchant, Ferman Chevrolet, kept my commercial work vehicle for 4 months and forced an unnecessary engine rebuild while completely ignoring the transmission overheating defect I brought it in for. The vehicle suffered an identical transmission failure within 7 days of pickup. Chase initially coded the dispute incorrectly as \'Services Not Received\' and is now refusing to reopen the claim to review my physical evidence, which includes the merchant\'s own intake invoice documenting the transmission issue and timestamped photos of the immediate failure. I am requesting a formal executive review of the evidence."'

Company response to consumer: Closed with explanation