vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
original creditor XXXX XXXX XXXX  and current owner LVNV funding llc and Resurgent capital services send this letter and account ID XXXX and is place to prelegal collection track

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX has " frozen '' my account for over 6 months now with a cash balance over {$7000.00} and crypto over {$5000.00}. Even after their self declared 6 month freeze it remains frozen. They are stealing money from consumers using interstate electronic commerce. They answer questions with a generic non-answer. XXXX  is a fraud and a scam. They need to release my funds and should be fined severely because they are doing this to many consumers. They are already being investigated by several states AG 's offices, hopefully more is to come. If they have done this to you, be sure to file a complaint with your state 's Office of the Attorney General, you are not the only one. If they ultimately steal your money you can try FBI internet crimes, Secret Service ( Treasury Department ), or your local law enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NJ

Complaint narrative:
I brought this thinking it was a giftcard for XXXX dollars USD. it is now asking me for information in which I cant provide and I cant spend any of my cards funds anywhere.

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 2026-01-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a {$200.00} e-gift card as a XXXX gift. This was purchased through XXXX and arrived as a text message from XXXX with a link. I clicked on this link and it took me to an XXXX page with the only option Get Your Gift Card. I clicked on this link and it took me to another verification page with a picture of the card with the card number, expiration date and even a CVV #. It stated that this card was to be used for online purchases only so that was my intention. I wanted to use it at XXXX XXXX but they did not have multiple payment methods as an option so I decided to try to use it through XXXX. It turns out that trying to use it in XXXX was not acceptable and the card locked for fraud protection. After many calls with XXXX, XXXX and this company I was finally communicating with the customer support center. They asked me for pictures, a selfie of myself holding my drivers license etc. So I sent them everything I had including screenshots of each step. The response I got back from them was asking me for a purchase receipt ( which I do not have since I was the recipient and not the purchaser ). I tried telling them this and said I am willing to send them anything else within my ability. Since then they have not responded to me, even when I threatened a complaint with the CFPB. It has now been three weeks and they will not re-issue me a card or unlock the current card I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Financial Asset Management, Inc.
State: KS

Complaint narrative:
They started calling my employer and asking for me, my manager and my accounts department about a debt. But I've been paying on it when I can which isn't every payday, I've had to switch banks so they don't put me deeper in debt. But the XXXX people they've talked to at my job they've told they are calling about a debt, which I didn't think they could do. The last time they called was I think Monday or Tuesday morning this week. They spoke to XXXX at my job. She was told by XXXX that he was calling about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DriveTime
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting related to a collection account reported by XXXX XXXX XXXX and listed on my XXXX  credit report. 

The account is reported as a collection from XXXX XXXX XXXX, with DriveTime listed as the original creditor, in the amount of {$6000.00}, beginning XX/XX/year>. 

I disputed this account with XXXX  because the accuracy, ownership, balance, and legal authority to report the debt have not been properly verified. Despite this, XXXX  marked the account as verified without providing documentation demonstrating a reasonable investigation or proof of accuracy. 

XXXX XXXX XXXX has also failed to provide proper debt validation, including proof of assignment from DriveTime, a signed contract, or a complete itemization of the alleged balance. 

This conduct violates the Fair Credit Reporting Act, including the requirements to maintain maximum possible accuracy and to conduct a reasonable reinvestigation, as well as the Fair Debt Collection Practices Act regarding debt validation. 

I am requesting that this collection account be deleted from my credit report and that both companies correct their records to ensure accurate reporting going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this message as a formal escalation complaint regarding the closure of my Bass Pro/Cabelas Capital One credit card account and the forfeiture of my accrued rewards. 

I was informed that a letter was allegedly sent in XXXX notifying me of account closure due to inactivity. I did not receive this letter. I received no phone call, no secure message, no account alert, and no verified delivery of notice prior to closure or rewards forfeiture. 

On XX/XX/year>, I contacted Capital One by phone and requested a supervisor regarding this matter. I spoke with an individual identifying himself as XXXX, who stated he was a supervisor for the Cabelas Capital One Club Card division. I explained the following : - The account was not expired - The account was in good standing with a {$1000.00} credit limit - There was a XXXX balance and no delinquency - No notice of closure or rewards forfeiture was received - Email preferences excluding promotions do not negate required account notices Despite this, I was told the account was closed and that nothing could be done. When I requested escalation to a higher supervisor or review authority, I was told that he was the highest level available and no further review would occur. 

This response is unacceptable. 

Forfeiting earned rewards without confirmed notice, while the account was in good standing, and then refusing escalation or review raises serious concerns regarding fairness, notice requirements, and customer dispute handling. 

I am formally requesting executive-level review and one of the following resolutions : 1. Restoration of the forfeited rewards points, or 2. A one-time courtesy credit equivalent to the value of the lost rewards If this matter can not be resolved internally, I will proceed with filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and request written documentation of Capital Ones notice procedures and escalation refusal. 

Please confirm receipt of this complaint and advise who is assigned to review it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXXUnauthorized XXXX  transactions, denied without sufficient evidence XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding MoneyLions failure to release my funds from my Managed Investing account, which is currently showing a liquidation state. 

I have been attempting to resolve this issue for approximately two weeks. I have contacted MoneyLion numerous times by phone and have submitted all requested documentation three separate times. I was repeatedly told the issue would be resolved within 35 business days, but it has now been almost two full weeks ( over 8 business days ) with no resolution.

Each time I call, I receive a different explanation. I have been promised multiple supervisor call-backs and status updates, none of which ever occurred. I was explicitly told on two occasions that my account would be resolved and that I would be able to withdraw my funds within days, which did not happen. No valid explanation has been provided for the continued delay.

These funds are my emergency savings. I recently returned from maternity  leave, and my employer made a payroll error and has not paid me, which created an immediate financial emergency. Because MoneyLion is withholding access to my funds without justification, I have incurred late bills, late fees, and damage to my credit, and this situation has caused significant financial hardship and stress. 

I am requesting immediate release of my funds and a written explanation for the delay. I am also requesting reimbursement for any fees or damages caused by MoneyLions failure to timely resolve this issue.

MoneyLions repeated broken promises, lack of escalation, and failure to provide access to my funds despite compliance with all requests is unacceptable and requires urgent regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XXXX XX/XX/year>, while I was making a purchase using PayPal, PayPal solicited to me to sign up for their PayPal Credit card - an offer stating that if I made a purchase of {$100.00} or more on that new card, PayPal would provide a {$40.00} credit to my account. Pursuant to that offer, I accepted and made a purchase that came to over {$100.00} - meeting the threshold requirement. Despite asking PayPal, numerous times, where my credit was, the Executive Office ( see attached ) refused to provide any help or assistance or information UNLESS I filed a complaint. I am not sure where credit card issuers are now allowed to fail their fiduciary duties to their customers and ( XXXX ) not provide credits clearly promised and ( XXXX ) not provide ANY help unless I file a complaint.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a formal complaint regarding inaccurate and incomplete credit information that you are currently reporting.I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. ( 15 USC1692g Sec.809 ( b ) ).

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all accounts reported on my credit file through physical verification of the original signed consumer contract. Any account reported without proper verification may be considered inaccurate or fraudulent. 

I am requesting verifiable proof of the account listed below, Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
An agreement bearing the alleged debtor 's signature and containing promises to pay the original creditor. 
Complete payment history on this account to prove that the amount you wish to collect is correct. 

Your failure to properly verify this account has negatively impacted my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed from my credit report. If you are unable to provide the requested documentation, you are required to delete the account immediately. 

Please verify or remove the following account without delay : LJ ROSS ASSOCIATES IN ACCOUNT NUMBER XXXX I trust your legal counsel will agree that noncompliance with this request will result in serious legal consequences for your company. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.

Complaint narrative:
Homeowner 's insurance is due XX/XX/year>, I checked online with the insurance company and saw that payment was still due. I then called the mortgage servicing company to inquire if payment had been sent and was told a multitude of things by the first representative. I had called the mortgage company at approx. XXXX on Tuesday XXXXThe representative proceeded to tell me that my insurance was not paid because they do not pay condo insurance from an escrow account. This is not a condo but an HOA and is covered by an HO-6 policy. She then told me that they are not paying the insurance from escrow because it is force placed by the mortgage company ; this is not so as the insurance is current from the payment that was sent from the same escrow last year. She also stated that because we had PMI removed from the loan, that the company would no longer escrow our home owners insurance. This made no sense so I asked for a supervisor call back that evening for XXXX or after. I never received a call. 

I called back into the mortgage company on XX/XX/year> at approx. XXXX and spoke to XXXX XXXX He then informed me that insurance was not being charged to us or escrowed from our payments. This thoroughly confused me because for the past 20 years we have always had our insurance taken care of thru escrow. I asked for a supervisor escalation/call back again and never received any other communication from the mortgage company. 

I went onto their online banking for my mortgage loan and requested several documents and copies of my original mortgage that I have yet to receive. 

They should not be allowed in any way, shape or form to change the terms of my loan. They are simply there to service it. Now my homeowner 's insurance is going to be delinquent and is causing a great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: NY

Complaint narrative:
I have a account in my chime bank Unfortunately my account was charged through virtual debit card by unknown person which was totally unauthorized transactions.i called to chime dispute center to investigate my payment and they filed a dispute on those transaction history on XXXX, claim reference number XXXX. 
After XXXX month they denied my dispute without investigation which was totally wrong .I think Bank was also involved in this scam to another party

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I made a {$470.00} purchase using my American Express card with XXXX XXXX XXXX XXXX XXXX XXXX for two items : a Home Gym ( {$390.00} ) and a Storage Bag ( {$79.00} ). 

On XX/XX/year>, I received only the Storage Bag and an unsolicited accessory item. I did not receive the Home Gym. 
The merchant later admitted in writing ( XX/XX/year> ) that the Home Gym had not been delivered and was still awaiting release. Despite this, the merchant claimed to American Express that the order was properly fulfilled because one item was delivered and the other was back-ordered. 

I attempted to return the delivered items within the merchants stated return period, but the merchant repeatedly failed to provide return instructions. 

I submitted a billing dispute with American Express and uploaded detailed documentation, including the merchants written admission of non-delivery. American Express denied the dispute approximately 30 minutes after I submitted this new evidence, making it impossible that the materials were appropriately reviewed. 

American Express appears to have relied solely on the merchants assertion that the undelivered item was back-ordered, allowing the merchant to retain full payment despite non-delivery and refusal to process a return. I am requesting a good-faith review of this dispute and an explanation of how the evidence was evaluated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
FCRA 15 USCXX/XX/XXXXXXXX ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( XX/XX/XXXX ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; (XX/XX/XXXX ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XX/XX/XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. i ask that this negative remarks not to be on my credit report with all XXXX credit bureaus as I the consumer have NOT AUTHORIZED Portfolio Recovery to report ANYTHING on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I called and asked why and if I can fix this and they said no. They hung up on me twice but I called back multiple times, once I got someone to stay on the line they just told me to try again next month. 



Email from them : Thank you for requesting a Bread Loan and Bread Pay loan through Comenity Capital Bank. We regret that we are unable to approve your application at this time for the following reason ( s ) : Potential Fraudulent Activity This decision is final. You may reapply in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Issue : Failure to honor a contractually owed {$750.00} XXXX XXXX XXXX  due to misclassification of funding source. 

XXXX. Facts of the Account : Account Open/Funding Date : XX/XX/XXXX. 

XXXX XXXX : {$30000.00} from XXXX ( XXXX : XXXX ). 

XXXX XXXX : {$750.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX minimum balance ). 

Maintenance Status XXXX XXXX XXXXXXXX balance maintained continuously for over 120 days. 

XXXX. The Contractual Breach : Under the XXXX funding / XXXX maintenance schedule, this bonus became payable by XX/XX/XXXX ( Day XXXX ). Citibank has failed to trigger the payment. 

XXXX. The Error in Bank Response : Citibank representatives are incorrectly attempting to apply " XXXX XXXX XXXX ( XXXX ) '' exclusion rules to a " XXXX XXXX XXXX  '' Specifically : The bank claims an " Instant Transfer '' ( XXXX ) from an external institution ( XXXX  ) does not qualify as " XXXX XXXX. '' However, the XXXX XXXX terms state that " XXXX Funds '' are funds from an external institution. My funds originated from a non-Citi routing number. 

The " XXXX '' restrictions regarding XXXX transfers apply only to the {$320.00} XXXX XXXX XXXX XXXX not the {$750.00} balance-maintenance offer.

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 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Elite Mortgage Funding inc
State: CA

Complaint narrative:
My loan officer XXXX XXXX at Elite mortgage XXXX of XXXX CA sold my loan to another company. But I have never got any letter from Elite that my loan is transferred. I got statement from unknown company. I want to make sure that Im going to pay my mortgage to the right place, since I got fraud activities and I wanted to know if its not fraud. 
So I requested XXXX XXXX to send me any document shows that my loan is transferred from Elite to another. He never gave it to me, He seems like doesnt care to send me any document. I called his company few times but no one answered phone.

Company response to consumer: Untimely response