vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: MN

Complaint narrative:
On XX/XX/year> I had a fraudulent charge put on my credit card. The charges were 2 separate charges totaling XXXX They charged me for flight purchases. When I already had a flight. This all started when I was traveling back to the United States from XXXX and I talked to what I was told was a XXXX agent and he told me my flight had already left and they needed to set me up on a different flight. He said I could still get back to the United States that day but I would have to pay XXXX to get home. His name was XXXX XXXX. He stated that if I paid him now that I would receive a full refund with in a few weeks as a courtesy for the flight problem. After he promised I would be given a refund I then gave him my Citi bank credit card number so I could get home. After waiting more then a month and talking with another person named XXXX XXXX who said she worked for XXXX XXXX and she claimed that the refund was on that way and it was delayed. At this point I knew something was off and reported this to Citi Bank as fraud. Now after I provided them with all the documents of my conversations and showing them that it was to be refunded they have refused to refund me the money. I reported this in a timely mannor and in accordance with federal law I am only liable for up to XXXX XXXX. Citis own statement says that I will never be held accountable for fraud charges. Citi Bank needs to refund my money.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated a remittance of {$2500.00} XXXX  through Abound. The funds were debited from my XXXX account, with an original settlement timeline promised for XX/XX/XXXX. 

Since initiation, Abound has repeatedly failed to deliver the funds or provide a timely refund. Key issues include : Missed settlement deadlines : Original date of XX/XX/XXXX, was extended multiple times without justification. 

Inconsistent communication : I received contradictory updates and shifting timelines from multiple support agents. 

Reprocessing without consent : Abound reprocessed the transaction without my approval. 

Delayed refund : Upon requesting a refund, Abound informed me it would take an additional XXXX business days instead of immediate action. 

Withholding of funds : As of XX/XX/XXXX, my funds remain undelivered or unrefunded despite repeated assurances. 

Actions Taken by Me : Contacted Abound Support multiple times via email from XX/XX/XXXX, to XX/XX/XXXX. 

Requested immediate completion of the remittance or full refund. 
Escalated concerns to Abound Compliance and Management.

Response from Company : Multiple apologies and reassurances that funds were safe, with repeated promises of completion within 310 business days.

Refused to provide immediate resolution despite repeated follow-ups.

Resolution Requested : Immediate credit of {$2500.00} USD to the beneficiary account, OR Full refund to the originating account without further delay.

This complaint is submitted to report Abounds failure to deliver paid financial services, inconsistent and misleading communication, and prolonged withholding of customer funds. 

Supporting Documents : Copies of all email communications with Abound from XX/XX/XXXX, to XX/XX/XXXX. 

Screenshots of original promised timelines.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a XXXX credit score, I'm an XXXX XXXX and make {$120000.00} a year and I keep getting denied for any chase credit card. i have XXXX XXXX  but for whatever reason chase will not give me a credit card. I've worked very hard to build up my credit and its very frustrating that my applications for chase credit continually keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc.
State: MI

Complaint narrative:
I am requesting that First Collection Services either provide full and proper validation of this alleged debt or immediately cease all collection efforts and remove any related reporting from my credit file.

Explanation : First Collection Services is attempting to collect a debt that I do not recognize and that has not been properly validated. I have not been provided documentation showing that I am legally responsible for this debt, proof of the original creditor, a breakdown of the amount claimed, or evidence that First Collection Services has the legal authority to collect.

Additionally, based on my own investigation, First Collection Services does not appear to be licensed or authorized to conduct debt collection activities in the State of Michigan. If accurate, this would raise serious compliance concerns regarding their ability to lawfully collect or report this account.

Despite my dispute, the company has continued collection efforts and/or credit reporting without supplying the required verification or addressing the licensing issue. This has caused unnecessary stress and potential damage to my credit.

I am asking the CFPB to require First Collection Services to : Provide complete and lawful validation of the alleged debt, including proof of authorization to collect in Michigan, or Cease all collection activity and remove the account from any consumer reporting agencies if they can not properly validate the debt or demonstrate legal authority to collect I am also requesting that all future communication regarding this matter be provided in writing so there is a clear record of compliance.

thsnk you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I have had a personal XXXX  account for several years, my phone number that I've had for 20+ years of my life is attached as the only phone number on the account. They froze my account when my cell phone number was accidentally added to another account that is managed though my work. XXXX  says that I no longer have access to my personal account that it is frozen, they won't give it back to me they won't transfer the funds in the account to my bank that is in my account and they won't close my account without sending a copy of my phone bill that has my PII on it. I don't want to send them information that they don't already have. I asked for other ways to verify, 2 factor authentication, I asked for a supervisor, I told them that I would contact this office, they said too bad and will be holding my money indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Company : Bank of America Issue : Account closed / funds frozen Date : XX/XX/year> Amount involved : {$15000.00} Complaint description : Bank of America closed my account and froze my remaining balance of approximately {$15000.00} without providing an explanation. I was informed that the funds are under review, but I have not been given a clear timeline for when my lawful funds will be released. 
There was no unusual or suspicious activity on the account, no large deposits, no chargebacks, and no peer-to-peer payment issues. I have asked whether this is a standard review or a legal hold, but I have not received written confirmation or documentation explaining the freeze. 
I am requesting prompt release of my remaining funds or clear written communication explaining the reason for the continued hold and the expected timeframe for resolution.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have made numerous attempts with the bank to resolve this issue. The issue began with the bank changing their on-line banking system where I received an e-mail ( attached ) from PNC stating that duplicate loan payments were made and that I would receive a refund for the duplicate payment. I receive the duplicate payment from PNC in my checking account on XXXX. As you can see from the transaction history file, I downloaded from the PNC on-line banking site I have not missed any payments. 

Talked to several service desk folks from XXXX who only made the issues worse where I finally requested a supervisor, XXXX XXXX just before XXXX who was able to articulate what needed to be done to correct the issues and she was to call me back after XXXX, but she never contacted me. 

Don't remember the exact date in XXXX  XXXX but talked to another supervisor XXXX who opened a complaint XXXX and also never called me back. Then on XX/XX/XXXX I receives a call from a XXXX with the back office who again seemed to understand the issue that went back to the XX/XX/XXXX payment. Said everything would be fixed and interest reapplied correctly withing 5 days. Checked in my on-line account on XX/XX/XXXX and nothing had been done so I called again and spoke with a manager named XXXX who ended up changing my XX/XX/XXXX payment where I wound up with a large interest payment and a late fee. Then on XX/XX/XXXX XXXX called me back and told me that everything was denied by the back office and that what has happened is correct and it is all my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to formally dispute a negative credit entry associated with my XXXX XXXX account ( Account No. XXXX ). 
This account is currently being reported in a way that is negatively impacting my credit. However, to the best of my knowledge, the outstanding balance was paid some time ago. Despite this, the account continues to appear on my credit report as unresolved. 
I am requesting that you review your records and provide written confirmation of the accounts status. If the balance has indeed been paid, I ask that you promptly update your reporting to all credit bureaus to reflect an accurate and paid status. 
Please let me know if you require any additional information from me to resolve this matter. I would appreciate your prompt attention, as this issue is affecting my credit standing. 
Thank you for your time and cooperation.

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 2026-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am filing this complaint regarding ACE Cash Advance and a third party claiming to collect on their behalf. 

ACE Cash Advance, and/or a company claiming to be associated with them, repeatedly contacted my father, who is not listed on my account, not a co-signer, and has no legal responsibility for my debt. These calls were made without my consent and disclosed information about my alleged debt. 

In addition, a person claiming to be an attorney contacted both me and my father multiple times and stated that I was required to pay {$2000.00} by the end of today, implying urgent legal consequences if payment was not made. This caused significant XXXX  and fear. 

When I contacted ACE Cash Advance directly, I was told that my account had instead been sent to XXXX XXXX XXXX. This directly contradicts what the caller represented and suggests false or misleading statements regarding attorney involvement. 

I believe these actions violate federal consumer protection laws, including : Illegal third-party contact ( contacting someone other than the consumer about the debt ) Misrepresentation of attorney involvement Harassment and intimidation Deceptive debt collection practices I am requesting that : ACE Cash Advance and any third-party collectors cease all contact with my family members immediately The CFPB investigate the conduct of ACE Cash Advance and XXXX XXXX XXXX Any false claims of attorney involvement be addressed I receive written verification of the debt and confirmation of who is legally authorized to collect it I am willing to provide call logs, voicemails, and other documentation if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: WA

Complaint narrative:
I purchased a NetSpend prepaid card at a retail location on XX/XX/year> for {$65.00} plus an additional {$3.00} loading fee. I have the physical card, the original packaging, and the store receipt in my possession. When I attempted to activate the card, NetSpend support informed me it was already registered to another individual. 
I have been sold a compromised financial product. NetSpend has refused to grant me access to my funds despite my exclusive possession of the card and proof of purchase. I have already submitted my ID, receipt, and card images to their fraud department via email but have yet to receive a resolution. 
I am only requesting the immediate release of my {$65.00} in balance or a full refund check + {$3.00} fee totaling {$68.00} be sent to my address. As I am the rightful owner of these funds.

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 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am currently on maternity leave and have been attempting to resolve billing errors and predatory interest charges with XXXX strictly in writing. On Friday, XX/XX/XXXX, a representative named XXXX confirmed via email that she was 'retrieving my account ' from a third-party collection agency to resolve these issues. Since that written confirmation, the company has ceased all communication and failed to provide proof that the collection activity has stopped or that my balance is being corrected. I am requesting that XXXX formally confirm the retrieval of the debt and provide the corrected settlement statement as previously agreed in our written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The company is attempting to collect and/or report a debt that arose from an account allegedly opened when I was under the age of XXXX. Any contract entered into by a minor is void or unenforceable. The original creditor has confirmed the account was sold and is no longer reporting it. Despite this, the debt buyer continues to possess, use, or disclose my personal information without a valid, enforceable obligation or permissible purpose. I have disputed the account and requested validation, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX CtBattle Ground, WA XXXX Date : XX/XX/year> LVNV Funding LLCPO Box XXXX, SC XXXX Re : Request for Debt ValidationAmount Claimed : {$700.00} To Whom It May Concern, I am writing in response to your claim that I owe a debt to LVNV Funding LLC. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This letter serves as a formal request for verification of the alleged debt. Please provide the following documentation : 1. The amount of the debt, including an itemized breakdown of all charges, interest, and fees 2. The name and address of the original creditor 3. A copy of the original signed contract or agreement bearing my signature 4. Proof that LVNV Funding LLC has legal standing and authority to collect this debt 5. Documentation showing that the debt has not exceeded the statute of limitations 6. A complete chain of title showing all assignments or transfers of the debt Until you provide the above validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. Reporting unverifiable or inaccurate information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not provide proper validation, you must remove this account from my credit reports and cease further communication regarding this matter.

Please note that I am keeping detailed records of all correspondence. Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Washington State Attorney General, and other appropriate regulatory agencies. 
This letter is not a refusal to pay, but a request for proof that this debt is legally valid and collectible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Consumer Financial Protection Bureau Complaint Narrative I am submitting this complaint regarding a mortgage lenders handling of my VA loan assumption, specifically the repeated and incorrect assertion that XXXX years of rental history is required under VA guidelines, which is not accurate and has materially delayed my transaction. 
Issue Summary The lender, through its representative ( XXXX XXXX, REL Resolution XXXX ), has stated that a XXXX rental history is required for approval of my VA assumption loan. This requirement has been attributed to VA XXXX, despite the fact that no such requirement exists in the VA XXXX XXXX for XXXX VA loan assumption or for purchasing a primary residence. 
XXXX VA Policy Under the VA XXXX XXXX ( Chapters XXXX and XXXX ) : The VA does not require XXXX years of rental history to approve a VA loan or VA loan assumption. 
The VAs core requirements are : Intent to occupy the property as a primary residence ( typically within 60 days ) Stable income, acceptable credit, and residual income compliance XXXX of rent ( VOR ) XXXX be requested by lenders as part of credit analysis, but this is a lender overlay, not a VA mandate. 
A two-year history applies only when rental income is being used to qualify, which is not the case in my loan. Despite this, the lender continues to treat the absence of a two-year rental history as a disqualifying factor. 
Misrepresentation and Harm The lender has : Incorrectly attributed an internal underwriting overlay to VA XXXX Failed to clearly disclose that the requirement is a lender-specific overlay Continued to delay or obstruct the loan assumption based on a nonexistent VA rule This has caused : Unnecessary delays Increased stress and financial uncertainty Risk to contractual timelines and housing stability Updated VA XXXX XXXX XXXX XXXX XXXX VA has XXXX published updated VA benefits XXXX reaffirming the distinction between : VA eligibility and guaranty XXXX, and Lender-specific underwriting overlays The lender has not confirmed that the most current VA guidance is being used in underwriting my loan and continues to rely on outdated or misapplied interpretations of VA requirements. 
Requested Resolution I am requesting that the CFPB : Review whether the lender has misrepresented VA loan requirements as federal policy Require the lender to clearly identify and disclose any internal overlays being applied Ensure my VA loan assumption is evaluated in accordance with actual VA guidelines, not incorrectly stated requirements Prevent further delay caused by the application of undisclosed or mischaracterized underwriting standards I am prepared to provide documentation, email correspondence, and timeline details upon request. 
Thank you for your attention to this matter. 
Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation