vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Contract Callers , Inc. ( CCI ) has reviewed the consumers complaint regarding the above-referenced account. XXXX previously provided validation of the account to the consumer in XXXX 2025. Following a subsequent dispute received through the credit reporting agencies, CCI requested verification from the original creditor and re-sent validation to the consumer in XXXX 2026. The documentation provided to the consumer includes information obtained from the original creditor, XXXX XXXX XXXX, confirming the account balance and obligation. This information constitutes validation of the debt in accordance with applicable law. Upon receipt of the consumers dispute, XXXX reported the account as disputed to the credit reporting agencies and conducted an investigation consistent with the Fair Credit Reporting Act ( FCRA ). CCI respectfully disagrees with the consumers assertion that it failed to provide proper validation or engaged in unlawful collection activity. XXXX is not required to provide the specific documentation requested by the consumer, including a signed contract, in order to validate a debt under the Fair Debt Collection Practices Act ( FDCPA ). CCI has complied with all applicable requirements under the FDCPA and FCRA and will continue to review any additional information the consumer may provide. Proposed Resolution CCI has provided validation of the account to the consumer. If, upon review, the consumer continues to dispute the account or has additional relevant information, CCI will review any documentation provided and respond accordingly. CCI remains committed to resolving this matter promptly and in compliance with all applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
This complaint is actually a continuation of complaint # XXXX. The reason I didn't continue with this complaint is Cross Country Mortgage had finally presented us with an acceptable loan modification agreement which we agreed to after the foreclosure. Our house was put up for sale at a Sheriff 's sale in XXXX of XXXX. No one bought it. Cross Country Mortgage bought it back for $ XXXX. we had purchased it for {$120000.00}. We subsequently agreed to a loan modification based on {$66000.00} at a XXXX year fixed rate of XXXX percent and agreed to pay {$610.00} for a trial 3 months, followed by a payment of $ XXXX for the remainder of the loan. We were supposed to receive confirmation paperwork last XXXX. It never came!! That is the reason for this complaint and the reason we never followed up the previous complaint as we thought it we got what we needed. Months go by with no communication. Until now, we just received a court summons to appear XX/XX/XXXX to answer a complaint by Cross Country attorney for forcible entry and detainer. The complaint also mentioned back rent payment which we never got any paperwork and would no agree to XXXX # XXXX, XXXX XXXXXXXX XXXX Also, in the interim, our house received significant wind damage on XX/XX/XXXX. I filled an insurance claim, on their insurance as they are the deed holder. I believe they are holding the payment and repairs up until they get us out. It is our belief that the repairs are so significant that they could not sell or rent We plan on offering to the court the original {$610.00} trial payment and ask for a jury trial as we are convinced a jury of our peers ( senior citizens ) will agree that we have been treated unjustly. We are asking for federal attorney assistance in getting us to the finish line of this loan modification!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have repeatedly attempted to make purchases online with XXXX XXXX after having had a card previously and filing a complaint when they failed to mail me an actual card or statement over and over again and charged me late fees for not paying. They unilaterally closed my account on their own. Now every time I make an online purchase they have me flagged for fraud and cancel my orders online and refuse to sell products to me out of retaliation for having filed previous complaints. You can not retaliate against someone for filing a complaint with a governing agency for having violated the law. I do not wish to reopen my credit account, but if I am no longer able to purchase from the company as a result of filing complaints with the CFPB in retaliation for exercising my rights as a citizen I will continue to attempt to make purchase and file complaints for this retaliation here -- over and over again. This is a violation of the law. Please cease and desist from your retaliatory behavior.

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 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Global Credit & Collection Corporation
State: VA

Complaint narrative:
Outside standing balance {$2900.00}. Estimates legal $ {$5200.00} Discount {$1400.00} Settlement if paid Madantory deadline date 72 hours from receipt

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be from the XXXX XXXX XXXX in XXXX XXXX, telling me that there was a document I needed to handle. After speaking with me on the phone, they transferred me to another person who claimed to be from the XXXX XXXX XXXX XXXX. This person told me that bank cards and phone cards under my name had been found at a cross-border telecom fraud operation, and that I was a criminal suspect in this highly confidential international XXXX fraud case and needed to cooperate with their investigation. As a result, I transferred XXXX XXXX to the XXXX XXXX XXXX account they provided on XXXX XXXX. Later that same day, the other party suddenly disappeared for a while, and that was when I realized they were a fraud ring. I asked Bank of America to start swift recall at 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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt in the amount of {$1400.00} that appears on my credit report. This account does not belong to me, and I do not recognize it. I have made multiple attempts to contact your company regarding this matter and requested a debt validation letter as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated requests, I have not received any verification or documentation supporting this debt. Due to the lack of proper validation, I respectfully request that this account be investigated and removed from my credit report immediately. Please provide written confirmation once this matter has been resolved. If you are unable to validate this debt, you are required by law to delete it from my credit file. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a loan issued through GreenSky and backed by XXXX XXXX. The original loan amount was approximately {$15000.00}. I have paid approximately {$15000.00} toward this account. Despite this, I have been informed that I still owe approximately {$17000.00}. At the time of the transaction, the financing was presented as a promotional or no interest option. The deferred interest structure and the true cost of the loan, including a 26.99 % APR and total repayment exceeding {$38000.00}, were not clearly or reasonably explained to me. I believe I was misled regarding the terms of this loan. The way the financing was presented did not make it clear that interest was accruing during the promotional period and would be added retroactively if not paid in full. Additionally, I am requesting a full accounting of how {$15000.00} in payments resulted in a remaining balance greater than the original loan amount. I request : - A full investigation into this loan - A detailed payment and interest breakdown - Correction or reduction of the balance - Review of the merchants role in presenting the financing This situation reflects potentially deceptive or unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This is a follow up to case # XXXX. Midland Funding LLC contracted with XXXX XXXX XXXX, XXXX to collect an improperly served renewal of a debt in Michigan. I live in Illinois where the debt is too old to be collected. XXXX XXXX office has ceased their collection efforts and returned the file to Midland. However, they have not returned the funds they seized from XXXX XXXX XXXX XXXX. I would like those funds returned and something from Midland stating that they are also ceasing collection efforts. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase applied a duplicate legal hold in error, confirmed it was their mistake, and has failed to remove it after multiple escalations over several days. My funds remain restricted incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
I made money transfers through WorldRemit cash app to receive good that I never received. Everyone of the follow transactions is fraud. XX/XX/year> {$150.00} XX/XX/year> {$73.00} XX/XX/year> {$26.00} XX/XX/year> {$100.00} XX/XX/year> {$37.00} XX/XX/year> {$73.00} XX/XX/year> {$73.00} XX/XX/year> {$27.00} XX/XX/year> {$210.00} XX/XX/year> $ XXXX $ XXXX {$21.00} XX/XX/year> $ XXXX XX/XX/year> {$100.00} I contacted both WorldRemit and my bank but neither are able to return the fraudulent funds to me. Every single of these also charged a {$10.00} cash advance fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: CT

Complaint narrative:
I am filing a complaint against Dave Inc. regarding an unfair and potentially deceptive withdrawal and fee related to their XXXX advance service. I received an XXXX advance of {$610.00}. My payday is XX/XX/year>, and I am paid on a consistent biweekly schedule that has never changed. Dave has access to my linked checking account and advertises that it uses this information to align repayment with a users pay schedule. However, on XX/XX/year>, Dave withdrew {$230.00} from my account before my paycheck was deposited, which caused my account to become overdrawn and resulted in bank overdraft fees. In addition, I was charged approximately {$15.00} in fees for this advance, even though the funds were effectively only available for a few days before repayment was initiated early. This results in a disproportionately high cost for a very short-term advance. When I contacted Dave support, I was told : The settlement date was determined by their system The payment could not be reversed or refunded No correction would be made for the early withdrawal Despite their claims of tracking my pay schedule, they withdrew funds before my actual payday and refused to correct the issue. This directly contradicts how the service is represented. This situation caused financial harm, including : Overdraft of my bank account Additional bank fees Loss of access to funds needed for basic expenses Being charged a fee for a very short-term advance that was repaid early I believe this practice is unfair and misleading, particularly if repayment timing is not reliably aligned with actual pay dates as advertised. I am requesting : A refund or credit of the {$230.00} withdrawn prior to my payday Reimbursement of any overdraft or related bank fees Review and correction of the fee charged for this advance given the early repayment A review of Daves practices to ensure they are not misrepresenting repayment timing or cost I have attached documentation, including chat transcripts with Dave support, confirming the withdrawal timing and refusal to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Discover Banks handling of a debt connected to documented human trafficking circumstances. I notified Discover in writing and provided supporting documentation, including New York State confirmation materials, explaining that the debt was tied to human trafficking circumstances and requesting relief. Despite receiving this information, Discover later stated the account and balance were valid and payable. Their response did not properly address the trafficking-related nature of the debt or the documentation I provided. In addition, major credit bureaus removed or deleted Discover-related tradelines from my credit file after reviewing my submissions and supporting evidence, yet Discover continued to maintain its position. Discover also issued a Form XXXX for the account, while later continuing to state the debt remained valid and owed. I am requesting a full review of Discovers handling of this matter and appropriate corrective action. Specifically, I am requesting : 1. Release from the disputed debt. 2. Recognition that the debt is connected to documented human trafficking circumstances. 3. Correction of any related reporting or records. 4. Confirmation that I may be considered for Discover financial products again under normal application standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased a laser from XXXX XXXX using Affirm. The laser stopped working just a couple of months after I bought it. I tried to get warranty support from XXXX who refused all forms of communication from me. I filed a dispute with Affirm and provided the evidence that XXXX ignored their own warranty. Affirm twice closed the dispute in XXXX 's favor claiming no such evidence was provided to them. This is patently false. Their own XXXX admitted that I had provided the evidence in private messages and told me to send it in again as a dispute. I did so and they again ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
My sister refinanced her home and added me as a co-signer in XXXX. In XX/XX/XXXX, we had reached out to Amerisave to have this loan assumed by her and her husband, removing myself. To this day the assumption of the loan has not been completed. We have sent numerous emails, made calls to several different departments with no success. When they did respond, they told us " The recorded received does not show XXXX XXXX releases liability to XXXX XXXX and XXXX XXXX. You will need to provide a new recorded deed showing which parties are releasing liability. '' which we can not do. I have reached out to the title company who also informed me that this request has to come directly from the Lender. It has been XXXX months and we are still not getting anything resolved or closing on this assumption. My sister has already paid them {$2500.00} in closing costs as well. Something needs to happen.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint regarding Discovers handling of a dispute. I disputed a charge for garage door repair services because the service did not resolve the issue I originally requested, the products installed were not the branded products that were represented at the time of sale, and no warranty documentation was provided despite multiple requests. Date of service was XXXX XXXX, 2026. During the dispute process, the merchant, MA XXXX XXXX XXXX XXXX, provided a written response through the Better Business Bureau stating that they would issue a full refund. The full refund amount is {$2600.00}. This statement was written on XXXX XXXX, 2026. Despite this written commitment, no refund has been issued. I have since confirmed directly with Discover that the dispute has been finalized as of XXXX XXXX, 2026 and that the funds have been returned to the merchant. However, the merchant is now claiming they are still waiting for funds from their payment processor and has provided a screenshot from their internal system showing the dispute as under review. This directly contradicts the information provided by Discover. Regardless, the merchants written commitment to issue a full refund is not contingent on internal payment processor timelines, and no refund has been issued. Discover denied my dispute even after being provided documentation of the merchants written refund commitment both on the BBB and in a written email response on XXXX XXXX, 2026. At this point, the merchant has retained the funds, failed to honor their written agreement to refund me, and is providing inconsistent and misleading information regarding the status of payment. I am requesting that Discover review this case again in light of the merchants written refund commitment, their failure to follow through, and the conflicting information now being presented.

Company response to consumer: Closed with explanation