vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I previously filed a complaint regarding Aldous & Associates , PLLC and their improper reporting and collection practices. I am now filing this additional complaint using the companys own response as part of the record. I have also filed complaints with the Federal Trade Commission and my State Attorney General using the exact information Aldous provided in their CFPB response. In their official CFPB response, Aldous did not provide any documentation validating the debt. Instead, the company simply stated that they would treat this as a dispute and reach out to the original creditor, XXXX XXXX. This response confirms exactly what I stated in my original complaint that Aldous does not currently possess the documentation required to validate this alleged debt. It has now been approximately 90 days since my initial written request for proper validation. Under federal law, once a consumer disputes a debt and requests validation, the collector must cease collection activity until the debt is verified. Aldous has failed to provide any of the documentation required to validate the account. They have not provided proof of the original creditor, proof of legal assignment, an itemized account history, the date of first delinquency, a copy of the original contract, or any documentation connecting the alleged debt to me. Instead, their response confirms that they are attempting to obtain information after the fact by contacting the original creditor. This raises serious concerns regarding the accuracy of the information they furnished to consumer reporting agencies in the first place. Reporting a debt to the credit bureaus without having proper documentation supporting the debt is a serious issue and harms consumers. I am documenting this complaint not only for my own record but also so regulators and other consumers can clearly see the pattern of behavior. Aldous responded to a formal federal complaint without providing any validation whatsoever. Their response essentially confirms that they do not currently possess the documentation required to legally collect or report this debt. At this point, I will not be contacting this company further. I have documented the calls, the lack of written notice, my validation requests, and the companys CFPB response. I have screenshots and records of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited my check into my savings account after the funds were deposited I transferred it to my savings account and then it was closed I was told that I had to go to the bank to retrieve my money then I checked my account again my account was unlocked my money was missing and the bank has no idea where it went

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding has reported information that is not accurate, which negatively impacts my credit score and financial reputation. I have previously disputed this information the company, expecting a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ). However, the responses I received were inadequate and failed to address the inaccuracies effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
On XX/XX/year>. My wallet was stolen from XXXX XXXX on XXXX XXXX, CA. They spent XXXX on my my debit card somehow without my pin. Now I filed a dispute 3 times and the bank ( chime ) and they are claiming there was no error with the transactions. I clearly got scammed and they are basically saying there is nothing they can do and kick rocks. Their specialist claimed they throughly investigated but clearly they didnt do anything because I sent my police report just how they asked, and it didnt help. I needed that money and now Im left stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TX

Complaint narrative:
b'I am filing this complaint against PayPal Credit (Synchrony Bank) for a violation of the Fair Credit Billing Act (FCBA), 12 C.F.R. 1026.13. This is a case of confirmed merchant fraud combined with a failed creditor investigation.\n1. Transaction & Return Evidence:\nTransaction Date: XXXX XXXX, 2025 | Amount: XXXX\nMerchant: daspartsauto (eBay)\nReturn Details: On XXXX XXXX 2025, the merchant provided a return shipping label. I returned the merchandise via XXXX (Tracking XXXX XXXX XXXX).\nProof of Delivery: The item was delivered and signed for by "XXXX at the merchants XXXX, GA facility on XXXX XXXX, 2025.\n2. Chronology of Fraud:\nFraudulent Inducement: During the return process, daspartsauto messaged me: "ok,we will refund your money ASAP. Please contact us after closing the dispute." I relied on this promise and closed the dispute.\nThe Scam: Once the dispute was closed and the merchant had the physical goods back, they refused to issue the refund, knowing I was locked out of the automated XXXX protection system.\nFormal Notice: On XXXX XXXX, 2026, I sent a formal billing error notice via Certified Mail (Tracking XXXX XXXX XXXX XXXX) to PayPal Credit, including proof of the return and the merchants fraudulent messages.\nWrongful Denial: On XXXX XXXX, 2026, PayPal Credit denied the dispute. I am being held responsible for XXXX for items that the merchant currently possesses.\n3. Regulatory Violations:\nFailure to Investigate: PayPal Credit ignored the XXXX Proof of Delivery and the evidence of fraudulent inducement.\nRefusal of Disclosure: On XXXX XXXX, 2026, a supervisor admitted they could provide the investigation evidence but stated it would take 14+ days plus mail time. This delay violates my right to timely documentary evidence under 12 C.F.R. 1026.13(f).'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I called and requested a copy of the purchase agreement of the debt and the payment history for it and a proof of chain of ownership saying that i owed on the debt but he was trying to get me to pay something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint against Goldman Sachs ( Apple Card ) for a failure to credit a payment of {$120.00} made on XX/XX/XXXX. Although the payment appears on my XXXX statement, it was never deducted from my " Total Balance '' or my " Remaining Installment Principal ''. The Mathematical Proof of the Error : My XX/XX/XXXX, Total Balance was {$1400.00}. My XX/XX/XXXX, Total Balance was {$1200.00}. The difference between these XXXX balances is exactly {$100.00}. During the month of XXXX, I made a scheduled payment of {$110.00} and had a single new charge of {$2.00}. The reduction in my balance ( {$100.00} ) accounts only for the XXXX payment minus the XXXX charge ( {$110.00} - {$2.00} ). The {$120.00} payment from XX/XX/XXXX is completely missing from the balance calculation and the principal reduction. Company Actions : I have contacted Apple Card support multiple times via chat and provided bank documentation proving the {$120.00} was deducted from my external account. Representatives have repeatedly refused to provide a formal Case Number or a Transaction Research ID, providing only an " interaction note number '' before disconnecting the chat sessions without resolving the discrepancy. The bank has failed to perform a reasonable investigation of this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subject : Complaint Regarding Excessive Maintenance Fees and Failure to Resolve Issue Bank of America I am submitting this complaint regarding my savings account with Bank of America. I have been a Bank of America customer since XXXX, meaning I have had a relationship with the bank for more than two decades. Despite this long history, Bank of America allowed recurring monthly maintenance fees to accumulate on a savings account until approximately {$900.00} of my money was consumed by fees. This situation is extremely concerning. The bank continued charging fees until the account balance was essentially wiped out, which I believe represents unfair and unreasonable account management practices. I have already attempted to resolve this issue directly with Bank of America multiple times. I sent a written letter approximately one month ago requesting review and received no response. On XX/XX/XXXX, I called Bank of America customer service and spent over an hour on the phone attempting to resolve the matter. During that call I was transferred between five different representatives and was given no meaningful resolution. Instead of addressing the issue, the bank repeatedly passed the matter between departments. After significant time and effort on my part, the call ended without any resolution. After more than XXXX years as a customer, I should not have to fight this hard simply to have my concern reviewed. Allowing nearly {$900.00} in maintenance fees to drain a customers savings account and then failing to respond to written correspondence or provide meaningful support by phone demonstrates a serious failure in customer service and account oversight. I am requesting the following : 1. A full review of the savings account and all maintenance fees that were charged. 2. A goodwill refund of the approximately {$900.00} in fees that depleted the account. 3. A written explanation from Bank of America regarding why these charges were allowed to continue and why prio r attempts to resolve this matter were not addressed. At this point, I am seeking regulatory assistance because my attempts to resolve the matter directly with Bank of America have not been successful. I respectfully request that the Consumer Financial Protection Bureau review this complaint and require Bank of America to respond appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I tried to pull money out of an ATM. The transaction was denied. But it showed up on my account as a withdrawal anyways. I didnt receive anything at the ATM. Ive asked for video to prove it, but was told I would need a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CO

Complaint narrative:
I have provided the correct documents to verify my identity and even though it states my documents were approved through XXXX credit karma keeps saying they aren't approved and won't let me update my phone number so I can access my account which my tax refunds were deposited to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX, a debt collector, Harris & Harris Ltd., sent a text message to my fathers phone number regarding an alleged debt they claim I owe. My father is not associated with this account and has no responsibility for this debt. The text message disclosed my name, the existence of the debt, and the exact balance of {$690.00}. I have never provided my fathers phone number in connection with this account. I also did not receive this message on my own phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding a transaction processed through PayPals Pay in 4 service. In XX/XX/year>, I purchased an item through XXXX XXXX using PayPal Pay in 4. When the item arrived, it was defective/broken. The seller agreed to a return and confirmed that I would receive a refund once the item was returned. I returned the item using a tracked shipping service and the tracking number shows that the package was successfully delivered to the seller. Despite this, the seller never issued the refund. I opened a dispute with PayPal and provided evidence, including proof of return and tracking showing delivery. However, PayPal denied the dispute multiple times claiming lack of information, even though the documentation was submitted. After multiple attempts and appeals, PayPal is now refusing to review the case further, stating that the dispute window has expired. This is extremely concerning because the refund delay was caused by the dispute process itself. As a consumer, I returned the product as instructed and provided proof of delivery. The seller has not honored the refund and PayPal, as the payment processor, has failed to protect the buyer despite clear evidence. I am requesting that PayPal conduct a proper manual review of this case and issue the refund of {$150.00}, as the item was returned and the seller confirmed the refund agreement. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am filing a complaint about my mortgage servicer, Rocket Mortgage, regarding an apparent misapplication of a recent payment, an incorrect principal balance, and a delayed due date after a loan transfer from XXXX XXXX After my XX/XX/year> payment, my outstanding balance was {$230000.00}. I recently made a {$7000.00} payment, of which {$6400.00} was applied to principal. Based on this, my new principal balance should be {$230000.00}. Instead, Rockets website shows a balance of {$230000.00}, which is {$390.00} higher than it should be. I have not received a clear explanation or correction despite multiple attempts. In addition, Rockets website shows my next payment due date as XX/XX/XXXX instead of XX/XX/XXXX. I did not request a change or forbearance and did not authorize any delay or skip in my monthly autopayment. This appears to be a unilateral change to my payment schedule by the servicer, which affects my amortization and could impact interest and credit reporting. I have tried to resolve this directly with Rocket. I have called their customer service line at least 10 times and remained on hold for over an hour each time without reaching a live representative. I have also emailed XXXX and received statements that do not address or reconcile the {$390.00} discrepancy in my principal balance or the changed due date. At this point I have been unable to speak with any knowledgeable servicing representative to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, {$480.00}, {$1300.00}, and {$600.00} were withdrawn from my account via XXXX, and {$3600.00} via XXXX. I initially filed a claim with both XXXX and my bank, Chase. When I received no response, I called XXXX and XXXX customer service again. They told me that my bank had never contacted them to file a claim and that the withdrawals from my account had been converted to cryptocurrencies to make them harder to trace. I reported all of this to my bank and also went to a branch in person, but after a few days, my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
I am submitting this complaint regarding a charge we received after moving out of our rental unit at XXXX XXXX apartments/inland In XXXX, we spoke with the leasing office at XXXX XXXX XXXX about moving out . A staff member informed us that we needed to move out by XX/XX/XXXX in order to avoid the lease contract being applied. We followed those instructions. We paid {$190.00} for the six days we remained in the unit in XXXX, which was the exact amount the office told us we needed to pay. Based on that conversation and payment, we moved out on XX/XX/XXXX as instructed and understood that our account was settled and that no additional charges would apply. However, we have now been contacted by Rent Recovery Solutions LLC, attempting to collect approximately {$2500.00}, claiming that we did not fulfill the lease contract. This does not make sense to us because we followed the instructions given by the leasing office and paid the amount we were told was required before moving out. We have documentation supporting our case, including payment receipts, email communications, and photos showing the condition of the apartment when we moved out. We respectfully request a review of this situation and a clear explanation of why this amount is being claimed when we followed the instructions provided by the leasing office and paid what we were told was required.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Subject : Complaint Regarding Credit Reporting and Misrepresentation of Consumer Rights by American Express I am submitting this complaint regarding a credit reporting issue involving American Express. I recently discovered that a small balance of approximately XXXX XXXXXXXX remained on my American Express account that I was unaware of. Because I did not realize the balance existed, it eventually became reported as a XXXX delinquency after late fees accumulated, bringing the total balance to approximately {$290.00}. As soon as I became aware of the issue, I immediately paid the balance in full. Prior to this incident, I maintained an excellent credit history with a credit score of approximately XXXX and a consistent record of responsible payments. After paying the balance, I contacted American Express to ask whether they would consider submitting a goodwill adjustment to the credit bureaus due to the circumstances and the small amount involved. During that conversation, I was informed by a representative that federal regulations prevent American Express from requesting the removal or correction of a late payment once it has been reported to the credit bureaus. However, my understanding is that the Fair Credit Reporting Act does not prohibit creditors from requesting corrections or goodwill adjustments to credit reporting when they choose to do so. The statement that federal law prevents them from making such a request appears to be inaccurate and left me feeling that my concern was dismissed without a meaningful review. This single late payment has had a significant impact on my credit profile, particularly as I am preparing to pursue a home purchase later this year. I am not disputing that the balance existed ; however, I am requesting that American Express fairly review whether a goodwill adjustment would be appropriate given the circumstances, including the small balance involved, my otherwise strong payment history, and the fact that the account was immediately paid in full once discovered. Through this complaint, I am respectfully requesting that American Express review this matter again and consider whether a goodwill adjustment to the reported delinquency is appropriate. I would also appreciate clarification regarding the information provided to me that federal regulations prohibit such adjustments. Thank you for your time and assistance in reviewing this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX, a small business that used Square ( Block, Inc. ) to process a client invoice payment. On XX/XX/year>, my client paid invoice # XXXX in the amount of {$1100.00} through Square. Shortly after the payment was completed, I received an automated email from Square stating that my account had been permanently deactivated and that the decision was irreversible. Square also informed me that the funds from the transaction would be held for up to 120 days. I immediately responded to Squares email and provided all requested documentation, including the invoice, proof of services rendered, and customer details confirming the legitimacy of the transaction. Despite providing this information, Square refused to release my funds or provide any meaningful explanation for the account closure. The transaction is legitimate, the services were delivered, and the client authorized the payment. Square is currently holding {$1100.00} of my business funds without providing a clear reason or conducting what appears to be a fair review. This situation is causing financial harm to my small business. I respectfully request that Square review my documentation and release the funds associated with this legitimate transaction as soon as possible.

Company response to consumer: Closed with explanation