vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABILITY RECOVERY SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : ABILITY RECOVERY SERVI - XXXXXXXX XXXX XXXX XXXX XXXX : {$930.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
XXXX first contacted me regarding an issue with XXXX XXXX transactions being rejected on my merchant account on XX/XX/year>. Their explanation was vague, and they did not provide clear guidance or assistance on how the issue would be resolved. I immediately reached out to my merchant provider, Stax for clarity and rectify the situation. XXXX then informed me that they had communicated with XXXX, that the issue had been resolved, that no further action was needed from me, and that no funds would be withdrawn from my account related to this matter. Despite that communication, XXXX subsequently withdrew approximately {$11000.00} from my merchant account without prior notice or authorization on XX/XX/year>. These funds represented XXXX XXXX transactions that had been rejected due to the processing issue. I contacted both parties requesting a resolution, restoration of my ability to process XXXX XXXX transactions, and assistance recovering the withdrawn funds for services that my clients were charged for and received through my company. This situation has negatively impacted my business operations and created an unexpected financial burden. I am requesting a thorough review of the conflicting communications, the lack of prior notice before the funds were withdrawn, and the resulting financial impact. I am seeking a fair resolution that addresses the processing limitations, the recovery of funds owed for completed services, and the disruption caused to my business.

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 2026-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: ID

Complaint narrative:
Company : Netspend Corporation Product : Prepaid Card Issue : Problem with refund / Delayed refund Complaint : On XX/XX/year>, I purchased a Netspend prepaid card at XXXX 's using {$500.00} in cash. My application was denied only after Netspend accepted my money. I was told my refund would be returned within XXXX business days. I relied on that timeframe because I had rent and other bills due. After repeatedly contacting Netspend, I eventually spoke with Supervisor XXXX ( Employee ID : XXXX XXXX ) regarding Reference Number XXXX. XXXX XXXX confirmed that refund check # XXXX was issued on XX/XX/year>, and mailed on XX/XX/year>. As of the date of this complaint, I still have not received my refund. I have contacted Netspend multiple times, spoken with numerous representatives and a supervisor, and personally checked with my local post office. My local post office has confirmed that the check has not arrived. Because Netspend accepted my {$500.00} immediately but has failed to return it in the timeframe I was promised, I have suffered significant financial hardship. I have been unable to pay my rent, my phone bill, and my bank has repeatedly declined payments because my refund has not been received. I believe Netspend 's refund process is unreasonable. The company accepted my money immediately but has no effective way to return it promptly after denying my application. Customers who pay cash should not have to wait weeks for an untracked paper check after being denied. I am requesting that Netspend immediately determine the status of check # XXXX, void it if necessary, and return my {$500.00} using the fastest lawful method available. I also request that Netspend review its refund process for customers who are denied after purchasing a prepaid card with cash

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 2026-07-07 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PR

Complaint narrative:
XX/XX/XXXX a letter was send it, claiming after pay off the account the card has been char it with late fee, high interest payment and multiple phone requesting payment out of proportions. attached to the letter was included a copy of the check cash it and processed on XXXX of their branch, I respectfully request that my account be properly credited for the amount paid, I kindly ask for a formal investigation on the case a error of crediting a wrong account may happen but i had no receive a letter from them. Just been under arasment continuosly call with not solution what so ever. To who may be assign i respectfully appreciated your attention to this matter and trust that the nessesary correction will be made. thank you for any time and attention on this matter to Costco/Citicard the payment was made on XX/XX/XXXX of XXXX check no. XXXX for the amount of {$6400.00} which was the current balance at that moment. A XXXX Letter was Send on XX/XX/XXXX. To XXXX XXXX about the Validity of the monetary instrument send it to them including the same info mentioned on the pass paragraph and expecting guidance on this matter, They just keep sending the statement with a increasing constant balance. I believe I been trying my best and keep sending a small amount as payment on good faith adverse as their aptitudes.

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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I am filing a complaint regarding MyQuickWallets repayment practices and fees. On XX/XX/year>, I contacted MyQuickWallet to request either a deferred payment option or a payment plan because I was seeking a way to manage repayment of my account. My request was denied, and I was told the company does not offer those options. The company stated they could reduce my upcoming fees from {$300.00} to {$190.00}. However, I was informed that these fees would not be applied toward reducing my outstanding balance. When I requested that the reduced {$190.00} fee arrangement be set up for future payments, I was told I would need to contact the company every week to request that the same amount continue to be applied. I am concerned that the available repayment options primarily require me to continue paying fees without those payments reducing the balance owed. I am also concerned that requiring weekly contact to maintain the reduced fee amount creates an unnecessary barrier to repayment.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Louisiana CREDIT COLL XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/year> Account Number : XXXX Amount : CREDIT COLL - XXXX : {$100.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a graphics card from best buy online on XX/XX/XXXX The card was " delivered '' on XX/XX/XXXX, but there was no card in the items box, just weights in place of the item. I immediatly sought a refund at the local store, but they said they could do nothing because it was an online issue. I attempted to deal with this via Best buy online, and they took over a month to get backl to me ( XX/XX/XXXX ). They stated they will not give me a refund and to take it up with my credit card company. I tried to get the refund from my credit card company, and they told me there was nothing to do, and I must pay the money, but when asked for details about the decision, they would not forward me any reasons, and I could no speak with anyone else on the help line, after calling multiple times. They also refused to send me any emails or documentation supporting their side.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Credit Collection Services ' reporting of a collection account on my consumer credit reports on behalf of XXXX. I dispute the accuracy and completeness of this account. I previously had a collection account related to this alleged debt that was removed from my credit reports several years ago. I do not know whether Credit Collection Services is reporting the same account or whether this is a new collection assignment. Because of this history, I am requesting a complete investigation into the accuracy and legal basis for this reporting. I have not been provided documentation establishing that I legally owe the amount being reported or that Credit Collection Services has the legal authority to collect and report this debt. I request that Credit Collection Services provide : Documentation identifying the original obligation. Documentation establishing that I am legally responsible for the debt. An itemized statement showing how the balance of {$1100.00} was calculated. The date of first delinquency. Documentation establishing Credit Collection Services XXXX XXXX to collect and report this account. Documentation identifying whether this account was previously assigned to another collection agency and the dates of any transfers or assignments. Documentation showing that all information furnished to the consumer reporting agencies is complete and accurate. What would be a fair resolution to this issue? I request that Credit Collection Services conduct a complete investigation and provide the documentation requested above. If the company can not verify the accuracy, ownership, legal authority to collect, and completeness of the information being reported, I request that the account be deleted from all consumer reporting agencies and that I receive written confirmation of the deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am filing this complaint because the FCO collection account connected to XXXX XXXX is reporting inaccurate, incomplete, and inconsistent information after prior disputes were allegedly verified. This complaint is about the FCO collection account connected to XXXX XXXX, reported balance {$11000.00}, appearing on my XXXX and XXXX credit reports. On XXXX, FCO reports a high balance of {$11000.00}, last verified XX/XX/XXXX, date of last activity XX/XX/XXXX, date reported XX/XX/XXXX, date opened XX/XX/XXXX, balance owed {$11000.00}, closed date XX/XX/XXXX, dispute status account not disputed, creditor type collection services, and original creditor listed as XXXX XXXX XXXX. On XXXX, the same XXXX XXXX related collection reports a balance of {$11000.00}, closed date XX/XX/XXXX, dispute status account information disputed by consumer under the Fair Credit Reporting Act, creditor type Other Collection Agencies, payment status listed as seriously past due or assigned to attorney/collection agency/internal collection department , and original creditor listed as XXXX XXXX. The same collection is reporting with different dates, different dispute status, different creditor type, different original creditor formatting, and incomplete account-level information. I previously disputed this account and was told it was verified, but I was not provided documentary proof, the method of verification, the name of the person or department contacted, the records reviewed, the lease or contract, itemized balance, move-out ledger, assignment paperwork, or proof that FCO has legal authority to collect and report this account. I am requesting a real investigation into the accuracy, completeness, ownership, balance, dates, original creditor information, date of XXXX delinquency, and FCOs legal right to collect and report this account. If FCO can not verify the complete account history and provide documentary evidence, this collection should be deleted from all consumer reporting agencies.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: IN

Complaint narrative:
I bought an item from the merchant XXXX through XXXX in XX/XX/XXXX. I returned to the item in XX/XX/XXXX. XXXX confirmed that they would be sending me a refund less a restocking fee due to late return in XXXX, yet XXXX continue to attempt to charge me. I emailed and called XXXX multiple times over the following months with no response. I even commented on their XXXX, and just received a response today from them on that comment stating that because my bank initiated a case they would not be able to help me. All proof of this is in the attachment. This debt does not belong to me, it belongs to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/XXXX Ally Financial, Inc. Corporate Relations XXXX. XXXX XXXX XXXX XXXX, MI XXXX Re : XXXX Dear XXXX Customer Relations, I have received nonexistent customer service from Ally Bank to date regarding a fraud charge to my account. I am requesting some immediate answers. I have Ally checking account for XXXX years and it is coupled with a DEBIT card only. On XX/XX/XXXX, a deduction of {$13.00} was made by Premium Made T XXXX XXXX XXXX XXXX, XXXX XXXX. This was not my charge, I do not use my debit card for retail purchases as there are no consumer protections with debit transactions. Furthermore and more importantly, how did this transaction happen without a pin being provided. I filed an online fraud report. On XX/XX/XXXX XXXX XXXX XXXX I followed up with a phone call to Ally to determine the status of my fraud complaint. I was given a reference number and told it would take XXXX days to make a determination. I called on XX/XX/XXXX XXXX XXXX and was told nothing of value. I called a third time on XX/XX/XXXX XXXX XXXX and was now told it would take XXXX days to make a determination. I have received AWFUL customer service from Ally regarding this fraud report. I googled this so-called company at the address listed on the statement and it does not exist. I have not received a credit to my account, but more importantly I want to know how this deduction was made without a pin being provided. This is very consequential in that it shows a high lack of security to my checking account. It is important that Ally provide a detail description as to how this was allowed to happen. I have seen the quality of of service diminish at Ally over the years. I am hoping that this letter will result in a timely response from Ally. Please respond in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Cc : ally statement

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
To whom it XXXX concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions InsurancXXXX

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