vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: OH

Complaint narrative:
A charge was made on my PayPal credit card on XX/XX/XXXX for {$1500.00} and on XX/XX/XXXX for {$1000.00}, to a merchant however the merchant was not registered and could not receive the payments. PayPal has refused to remove the XX/XX/XXXX charge. The XX/XX/XXXX charge of {$1500.00} was removed. But the XX/XX/XXXX charge for {$1000.00} was not. I have called on XXXX different occasions with no results. I had the merchant send a letter and invoice showing the amount was paid in cash and never should be on my credit card. Below is the letter the merchant sent and the invoice is attached. 




To whom it may concern, I am a mechanic who does some repair work on the side. However, I do not have a tax ID and I am not registered as a merchant on PayPal. On XX/XX/XXXX, I completed some work for a family friend XXXX XXXX, and she paid me using her XXXX XXXX option for {$1000.00} However, I never received the money since I am not a registered merchant.. The charge was initially removed but then added back on XX/XX/XXXX. The charge has since been disputed several more times with no results. 
I am writing this letter to let you know that I never received the payment of {$1000.00}. I was not able to use my PayPal account to receive this money. None of this money was paid to me however XXXX XXXX was still charged. XXXX XXXX had to go ahead and pay me in cash. 
Please remove the recharge of {$1000.00}. These are not duplicate charges, they are charges that occurred but could not be accessed. She paid me with her PayPal credit and I could not receive the money. I do not have that type of account and she was unaware of this. The services were paid for in cash instead. I have also faxed over an invoice showing this, the repairs were made and paid in cash, please remove the {$1000.00} from XXXX XXXX XXXX account and do not recharge. These disputes need to be closed. No money was received by me at all. 
Thank you, XXXX XXXX XXXX XXXX to be removed is for XXXX XXXX : XXXX XXXX

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/year> sent a written debt validation request to Hunter Warfield , Inc. via mail regarding an alleged rental-related debt they are attempting to collect and/or report. In that letter, I formally disputed the debt in its entirety and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

My request asked for specific documentation, including but not limited to : a copy of the original lease agreement, an itemized breakdown of the charges, proof of move-out and re-rental, documentation authorizing Hunter Warfield to collect the debt, and proof that the charges comply with applicable landlord-tenant laws. 

As of today ( approximately XXXX weeks later ), I have not received any response, acknowledgment, or validation of the debt from Hunter Warfield. Despite my dispute and request for validation, the company has failed to provide the information required by law. 

I am submitting this complaint because the company has not responded to my validation request and appears to be continuing collection-related activity without first providing proper verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Delete all inaccurate information off my credit report

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have contacted bank of america several times, and when I try to reach out. I do not get a response back. All I ask that i get the {$170.00} reimbursement that I was told I would get, if I dont get a response from bank of america I will take more further action like I have done with XXXX and get federal involved. It should not take this long to get the {$170.00} back to me. At this time I ask bank of america to give me the refund within 24 hours if not I will take further action. 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 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
FREEDOM MORTGAGE REFUSES TO SEND XXXX XXXX  ( WHICH I AM REFINANCING WITH THEM ) THE OFFICIAL APPRAISAL DOCUMENTATION. 

XXXX XXXX  HAS REQUESTED THIS MULTIPLE TIMES THE PAST FEW WEEKS. IN ADDITION, I HAVE PERSONALLY PHONED FREEDOM MORTGAGE AND SENT MESSAGES. 

FREEDOM MORTGAGE REFUSES TO COMPLY TO SEND THE OFFICIAL APPRAISAL DOCKETS TO XXXX XXXX, INTENTIONALLY DELAYING THE CLOSING ( WHICH SHOULD HAVE BEEN COMPLETED AND DONE 2 WEEKS AGO )! 

FREEDOM PERSONALLY INFORMED XXXX XXXX THAT " I '' DID NOT PAY - WHICH I HAVE PROVIDED PROOF TO XXXX XXXX - I PAID ... ELECTRONICALLY WHICH FREEDOM RECEIVED AND ACKNOWLEDGED. PROOF IS ATTACHED. 

LATEST REQUEST VIA SECURED MESSAGE TO FREEDOM - ATTACHED

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 2026-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I bought drywall with XXXX gift cards {$470.00} on XXXX and {$270.00} on the other. When I returned the drywall the merchant refunded all the money to XXXX gift card. Vanilla gift card then Froze the card and labeled it fraud. When I called vanilla gift to get the card reactivated they said they would unfreeze the card if I could present both original receipts and the refund receipt. I did that on XX/XX/XXXX. On the XXXX they said they still didnt receive it so I sent it again on the XXXX. The said they received the documents and to call back in XXXX business days for a resolution. But when I called back in XXXX business day they said call back in another XXXX business days and they continued to do that every XXXX business days all the way up to today XXXX where they have again told me they would escalate it ( which they say every time ) and to call back in another XXXX business days. Every time I call there is some sort of excuse like they recently said that they never received documents even though they verified on numerous occasions that they had received them. Or they will say there was a discrepancy with my email address they put a P instead of a XXXX XXXX they will say they are waiting on the backend team or simply they dont know whats going on because they dont have access to the backend team The only consistent thing is the need for me to call back in XXXX business days. I feel like they are attempting to push it out past a statute of limitations type deal. Company name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My property entered non-judicial foreclosure in XX/XX/2025. I timely submitted a loss-mitigation application and was approved by the servicer for a loan modification contingent upon successful completion of a Temporary / Trial Payment Plan ( TPP ). I fully performed the TPP and made all required payments as instructed. 

After completion of the TPP, the servicer offered permanent modification terms that materially increased my monthly payment beyond affordability. I promptly notified the servicer that I could not afford the proposed terms and requested evaluation for alternative loss-mitigation options, including those required under VA servicing guidelines. 

Rather than continuing loss-mitigation efforts, the servicer informed me that I had no other options and terminated the loss-mitigation process. This occurred despite my completed TPP, continued communication, and good-faith request for further review. 

The servicer then proceeded with foreclosure activity. I believe this conduct violates XXXX XXXXXXXX XXXX XXXX, which prohibits foreclosure while a borrower is being evaluated for, or has completed, loss-mitigation options, and XXXX XXXX XXXX XXXX, which requires accurate, lawful, and procedurally proper foreclosure actions. The servicers actions constitute improper termination of loss mitigation, misleading servicing communications, and unlawful dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST Original creditor XXXX  Balance {$640.00} Balance updated XX/XX/year>2025 XXXX XXXX XXXX  Original creditor XXXX  XXXX  Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: TX

Complaint narrative:
CREDITOR : SPEEDY CASH PAYDAY LOANS Inc. 



CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$1900.00} This Proceeding issued on you Docket No : XXXX with SPEEDY CASH PAYDAY LOANS Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We had sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time. Now, its high time if you fail to respond in the next 12 HOURS, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages will be confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

We have settlement amount for you with easy Monthly and One-time settlement amount option.

1. If you can make a one-time payment of {$1300.00} ( same day payment ) we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment, then you have to pay the total amount of {$1900.00} with payment arrangement and you can pay {$320.00} bi-weekly till paid in full. 



- IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Regards, Speedy Cash Legal Group of Attorneys . 
Copyright XXXX Speedy Cash Legal Group of Attorneys | Privacy | Terms of use | Carrier

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MI

Complaint narrative:
Ive had cashapp for a long time and for about 2 yrs Ive not been able to order a card to use my funds, when I chat or call cashapp they state they cant provide anymore information at this time and end the chat or call immediately! I use cashapp as my banking app basically and I can only send and receive money I cant spend it off of there but they charge me fees still its sad! I got proof of the error anytime I attempt to order a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FL

Complaint narrative:
I have filed complaints beforehand because my entire identity was stolen via XXXX  and somehow all my info in compromised. I left XXXX XXXX because they refused to reimburse fraudulent charges and went to Chime thinking it was a better option. Now the criminals are using my Chime account. Chime is impossible to recover money from and I need help. I first noticed a charge that I didnt recognize on XX/XX/year>. The charge was from a place called XXXX XXXX said convenience store as description ( no phone number ). I called Chime. They ignorantly asked for invoices or receipts from XXXX XXXX ( how would I have that? ). I have no idea where/what IZ health is. The charge was for {$110.00}. Chime did not give me a credit while they took XXXX to research this fraudulent charge. 
Next, I received an email from Chime that my claim was denied, no reason was given and that {$110.00} would be taken out of my account on XX/XX/XXXX. Please note, I NEVER got a provisional credit so how can they say they truly researched this claim? 
I called Chime again. Wherever their customer service representatives are, they dont seem to have capabilities to do their job. This time I was told I cant dispute whatever has been reported but they did tell me the convenience store ( Iz health ) was located in California. I live in Florida, never been to California ( nor know anyone living there ) and was asked to prove that. I had XXXX  XXXX in XXXX and am recovering still, so I proved my whereabouts by sending private health records. I was quickly denied again. 
I then searched my entire Chime account to see if I missed anything that was fraudulent. Thats when I saw another XXXX XXXX convenience store fraudulent charge on XX/XX/year> in the amount of {$130.00}. Again, I filed a dispute and this time was denied the same day. 
Chime dispute resolution is clearly inconsistent and shows incompetence beyond belief. There is NO CHANCE I made these transactions in California at a convenience store, as since XX/XX/XXXX, I have been recovering from XXXX at home. 
Chime needs to pay back what was stolen from me. They did send me new cards, which shows they believe me, yet will not release my money back to me. In total Chime owes me {$240.00}. I never got a provisional credit for either charge, yet received emails that will be deducting those amounts AGAIN on XX/XX/XXXX. Please help. I emailed XXXX XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am disputing XXXX collection accounts reported by LVNV Funding LLC : XXXX. {$1300.00} XXXX XXXX XXXX account XXXX. {$2000.00} XXXX XXXX XXXX account Both accounts were XXXX XXXX previously disputed and deleted XXXX XXXX from my credit reports. LVNV is now reporting these accounts, including XXXX XXXX any associated late payments XXXX XXXX XXXX XXXX without proper validation XXXX XXXX  which is XXXX XXXX false, misleading, and violates federal law XXXX XXXX. 

I sent a XXXX XXXX Debt Validation Letter on [ XX/XX/year> ] XXXX XXXX requesting verification of these accounts. It has been XXXX XXXX over XXXX months XXXX XXXX, and I received XXXX XXXX no response XXXX XXXX 

This reporting violates : XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( a ) XXXX XXXX reporting information you know is inaccurate- XXXX XXXX 15 U.S.C. 1692g XXXX XXXX Fair Debt Collection Practices Act : failing to validate debt - XXXX XXXX 15 U.S.C. 1692e ( 8 ) XXXX XXXX  false reporting of a debt XXXX XXXX Requested resolution : XXXX XXXX  - Delete both accounts ( {$1300.00} and {$2000.00} ) from my credit report immediately - Remove any associated late payments - Confirm in writing that these accounts have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THE RECEIVABLE management services llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX RE : Dispute and Request for Validation To Whom It May Concern : I am writing in response to your communication regarding account # XXXX XXXX XXXX XXXX XXXX XXXX I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g .

Please provide the following : 1. Proof the debt is mine ( original signed contract/application ) 2. Complete accounting of the amount, including all fees/interest 3. Proof of your legal right to collect this debt 4. Name and address of the original creditor 5. Documentation that the statute of limitations has not expired Until you provide this validation, cease all collection activities. Do not report this to credit bureaus, as that would be inaccurate reporting. 

Sincerely, XXXX XXXX XXXX

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
cashapp refuses to fix the problem no matter how much i ask

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute and Request for Validation To Whom It May Concern : I am writing in response to your communication regarding account XXXX XXXX XXXX XXXX XXXX XXXX  I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 

Please provide the following : XXXX. Proof the debt is mine ( original signed contract/application ) XXXX. Complete accounting of the amount, including all fees/interest XXXX. Proof of your legal right to collect this debt XXXX. Name and address of the original creditor XXXX. Documentation that the statute of limitations has not expired Until you provide this validation, cease all collection activities. Do not report this to credit bureaus, as that would be inaccurate reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief