vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: FL

Complaint narrative:
A representative came to my home offering XXXX XXXX internet service. I agreed to the service, and installation was scheduled for the following day. 

XXXX technicians arrived and installed interior lines and equipment. I was informed that ground technicians would return within approximately XXXX week to install and bury the fiber line and complete the connection. The ground technicians later arrived, dug a trench, buried the fiber line, and left the property without knocking on the door or confirming that service was operational. 

After the ground work was completed, the internet service was still not working. I contacted XXXX and advised them that technicians had been on site but that the service was not functional. I explained that my household relies entirely on internet service and that I had canceled my prior provider based on XXXX representation that service would be active. The XXXX representative stated she would attempt to contact the technicians and follow up, but I received no response. 

The following day, I contacted XXXX again and was told that a technician could be scheduled approximately XXXX week later. During this call, the XXXX agent who scheduled the appointment advised me that my presence would not be required because the remaining work would be performed outside the home. After that visit, I received a voicemail stating that the previously installed fiber connection contained dirt, that it had been cleaned, and that service was ready. 

When I returned home and attempted to connect devices, the internet service still did not work. I contacted XXXX again and was advised that it would take an additional XXXX days for another technician visit. At that point, I informed XXXX that I no longer wished to continue service due to repeated failures to provide a working connection. I requested cancellation and returned all XXXX equipment. 

XXXX was unable to provide functional internet service despite multiple installation attempts. No usable service was ever delivered. As such, any charges or collection activity related to this account are invalid. XXXX can not collect for services that were never provided due to repeated installation failures.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a remittance transfer made through Sendwave from the XXXX XXXX XXXX XXXXXXXX. 
On XX/XX/year>, I sent XXXX  {$80.00} using the Sendwave app. The funds were intended for a recipient in XXXX who urgently needed the money for medical expenses. However, the recipient has never been able to access or withdraw the funds. 
From the moment the money was sent, the recipients Sendwave account became stuck on a screen that says loading your information. The application does not allow her to proceed, exit the screen, or contact Sendwave support from within the app. This issue has persisted for several weeks with no resolution, making the funds completely inaccessible. 
As the sender and the party financially affected, I contacted Sendwave multiple times through all available support channels, including phone calls and live chat. Despite clearly explaining the situation and even proposing reasonable solutions ( such as releasing the funds or refunding the transfer ), Sendwave refused to assist. On several occasions, their representatives abruptly ended the chat or phone call, claiming I was being rude, when in reality I was simply requesting my money back or a solution to an unresolved transfer. 
To this day : The recipient can not access the money The funds remain under Sendwaves control No refund has been issued No meaningful investigation or written explanation has been provided This transfer was not completed as promised, and Sendwave has failed to provide proper error resolution or consumer assistance as required under U.S. remittance transfer regulations. 
I am requesting CFPB assistance to ensure that : The funds are either properly delivered to the recipient, or A full refund is issued to me immediately, since the service was not provided. 
I am attaching all available evidence, including proof of payment, screenshots of the app error, and records of my attempts to resolve this issue with Sendwave. they don't even have a personal account number for their customers Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: SC

Complaint narrative:
I attempted to make a XXXX reservation using Klarna ( XXXX in XXXX ) on XX/XX/year> at approximateXXXX XXXX XXXX. The reservation was NOT completed/confirmed, and I requested a refund immediately. 

Despite the reservation not being completed, Klarna charged my payment method for XXXX installments : XX/XX/year> : {$130.00} XX/XX/year> : {$120.00} Total charged : {$250.00} The Klarna order reference is : XXXX. 
XXXX XXXX order reference is available in my records and can be provided if needed. ) Booking.com has confirmed that there is no completed reservation under my name and that they did not receive payment for this transaction. I have contacted Klarna customer service multiple times for a refund, but I have not received the refund. Klarna keeps directing me to Booking.com, even though XXXX has already confirmed they did not receive funds and the reservation was not completed. 

I am requesting : 1. A full refund of {$250.00} back to my original payment method, 2. Written confirmation that this Klarna Pay in 4 plan is corrected and fully closed/canceled with no further charges, and 3. Confirmation that this issue will not be reported negatively to any credit reporting agency. 

I can provide supporting documentation ( emails/screenshots ) showing Booking.coms confirmation and Klarnas charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: NC

Complaint narrative:
I received a temporary block on my ( business ) account about XXXX ago and after a long chat and phone call with customer service I was informed I was unknowingly misusing the Friends & Family payment option which flagged my account and they suggested I set up " Payouts '' to better solve the problem, which I had actually already requested prior to all this but had not received any correspondence regarding my request for weeks. Well thanks to the customer service call/chat they got me setup for payouts which is how I have been sending my payments after that. Then all of a sudden they sent an email on XX/XX/XXXX stating my account is permanently deactivated! Like, why?? I literally corrected everything to meet their compliance and terms of service just for this to come out of left field. They couldn't give me any explanation or reason for this at this point, just that they have bots that do this now and they have been instructed to refuse any appeals or account reviews. Well turns out there was all kinds of social media posts regarding this and them apparently doing this to thousands of others and refusing any appeals. In the meantime they are trying to hold over {$11000.00} of my money for 120 days. Full $ XXXX wasn't even in the account when it was deactivated! I had initiated a transfer on XX/XX/XXXX from my bank to paypal in order to send my payouts as paypal requires payouts be paid by paypal balance and can't pay directly from bank account. So they made no effort to decline to reverse the $ XXXX transfer but instead posted it on XXXX I believe it was. Paypal customer service actually told me to request my bank stop the transfer but since it cleared from my bank account already my bank said paypal needed to stop the transfer but didn't so my bank offered to file a dispute on my behalf to have the money returned to my bank account. This is some very shady business practices going on! Others have posted that they reversed funds out of their bank accounts upon deactivation that was transferred from paypal prior. Even crazier is they still give the option on my account to add money from my bank account but is like the only thing I can do ... why would you allow me to transfer more money to a supposedly deactivated account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
CIT BANK. I have been trying for months Ive secured emailed them XXXX  times & never responded then Ive called every week to fix my problem. They tell me the person isnt available or will call me back which they never do. All I want to do is change my phone number because got a new phone so the phone number I have listed before wont let me log into my account because send a verification code to a number I dont have no more. My user name for CIT bank is XXXX email is XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
WITHOUT PREJUDICE Date : XX/XX/XXXX To : Dept of EdXXXX From : XXXX XXXX XXXX XXXX CEASE AND DESIST NOTICE This letter serves as a formal demand that you immediately cease and desist from the actions described below. 
It has come to my attention that you have engaged in conduct including, but not limited to : Attempting to collect a debt that was involved with bankruptcy in XXXX. 
This conduct is unlawful and interferes with my legal rights. Such actions may constitute violations under applicable laws, including but not limited to [ insert relevant laws, e.g., defamation law, intellectual property law, harassment statutes, contract law, etc. ]. 
You are hereby directed to : Immediately stop the above-referenced conduct. 
Refrain from any future actions of a similar nature. 
Preserve all records, communications, and materials related to this matter. 
Failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice. 
This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
Please provide written confirmation of your compliance with this notice by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX NOTICE : This communication is intended to resolve this matter amicably and does not constitute an exhaustive statement of facts or law.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Dear KIKOFF INC, This letter serves as a formal notice demanding that you immediately cease and desist from the following conduct : I couldnt understand what type of credit card it was, I never used or received the card. 

Your actions are unwanted, unacceptable, and interfere with my rights. I request that you immediately stop this conduct and refrain from any further similar actions in the future. 

Please be advised that if this matter is not resolved promptly, I am prepared to take further action as necessary to protect my rights, including pursuing legal remedies where appropriate. 

This letter is sent without waiver of any rights or remedies available to me, all of which are expressly reserved. 

I expect your full compliance with this demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Company : PayPal CreditProduct : Credit card / PayPal Credit Issue : Billing dispute refund not received I am filing a complaint regarding an incorrectly denied billing dispute with PayPal Credit. 
I returned merchandise purchased from XXXX XXXX on XX/XX/year>. The merchant failed to issue a refund. I filed a PayPal Credit billing dispute on XX/XX/year>. 
PayPal denied my dispute stating that a credit had already posted to my account. This statement is incorrect. There is no refund, no pending credit, and no completed adjustment on my PayPal or PayPal Credit account for this transaction. 
PayPals investigation relied on inaccurate information and failed to verify whether a refund actually existed. As a result, I am being held responsible for a charge for returned merchandise and may be assessed interest and fees. 
I am requesting that PayPal Credit : Correct the billing error Issue the refund owed Remove any interest or fees related to this charge Conduct a proper reinvestigation under the Fair Credit Billing Act Supporting documentation, including the denial notice and account screenshots showing no refund, is attached.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
CFPB Complaint Draft ( Cash App / Block , Inc. ) Company : Cash App ( Block, Inc. ) Amount : {$600.00} and {$150.00} Issue : Unauthorized electronic transfer / fraud What happened : On XX/XX/year> a payment of {$600.00} at XXXXXXXX XXXX and a payment of {$150.00} at XXXXXXXX XXXX occurred on my Cash App account that was not authorized.

I am filing a complaint regarding an unauthorized {$600.00} and {$150.00} transaction that occurred on my Cash App account. I did not authorize this payment and did not knowingly approve or consent to this transfer.

My account was compromised without my knowledge. Someone gained unauthorized access to my Cash App account and sent a {$600.00} and {$150.00} payment to $ XXXX. I reported this transaction to Cash App immediately upon discovering it and filed a dispute as fraud.

Cash App denied my dispute, stating that the transaction was authorized because it originated from my device and because a security lock was enabled. This conclusion is incorrect and does not account for the fact that unauthorized access can occur through compromised credentials, device access, or account takeover without the account holders consent.

I did not knowingly provide permission to any person to use my Cash App account, nor did I authorize this transaction. The funds were sent fraudulently, and I did not benefit from the transaction in any way.

Cash App has refused to provide meaningful evidence showing how they determined the transaction was authorized, such as IP address logs, device identifiers, login history, or authentication records. Their investigation relied solely on internal assumptions rather than a thorough fraud review.

Why this is a problem : This transaction qualifies as an unauthorized electronic fund transfer. Cash Apps refusal to refund the funds places the full financial loss on the consumer despite clear indications of account compromise. Their dispute process appears to automatically deny fraud claims when a transaction originates from a recognized device, even when access to that device or account was unauthorized.

This practice is unfair and inconsistent with consumer protections for electronic fund transfers.

What resolution I am seeking : I am requesting : A full refund of the {$600.00} and the {$150.00} unauthorized transactions A proper investigation that includes review of IP logs, device access records, and login activity Written documentation explaining how Cash App concluded the transaction was authorized despite my report of fraud I am asking the CFPB to assist in requiring Cash App ( Block, Inc. ) to comply with consumer protection standards and fairly resolve this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IL

Complaint narrative:
WITHOUT PREJUDICE Date : XX/XX/XXXX To : JEFFERSON CAPITAL SYSTEMS XXXX From : XXXX XXXX XXXX XXXX CEASE AND DESIST NOTICE This letter serves as a formal demand that you immediately cease and desist from the actions described below. 
It has come to my attention that you have engaged in conduct including, but not limited to : Attempting to collect a debt that was involved with bankruptcy in XXXX. 
This conduct is unlawful and interferes with my legal rights. Such actions may constitute violations under applicable laws, including but not limited to [ insert relevant laws, e.g., defamation law, intellectual property law, harassment statutes, contract law, etc. ]. 
You are hereby directed to : Immediately stop the above-referenced conduct. 
Refrain from any future actions of a similar nature. 
Preserve all records, communications, and materials related to this matter. 
Failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice.

This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
Please provide written confirmation of your compliance with this notice by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX NOTICE : This communication is intended to resolve this matter amicably and does not constitute an exhaustive statement of facts or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am not able to use my checking account provided by US bank. They said account is in the process of closing but it has been several weeks and nothing has happened. Funds are being held in this account. The have not given me any reason why they are closing my account and they have not given me any instructions on what I have to do to be able to access my funds. They just dont want to give me any information on my account. I have recordings of my calls for the record.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to disclose who authorized sale of self-proclaimed Mortgage Servicing Rights ( MSR ) from the self-proclaimed owner of MSR XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. 
On XXXX XXXX I received a letter from a XXXX company whose artificial intelligence responded my complaint addressed to faux company XXXX XXXX XXXX XXXX and informed me that XXXX allegedly owns mortgage servicing rights granted by some never disclosed Principal It was a lie to me and to CFPB because XXXX XXXX XXXX XXXX never owned any MSR and self- proclaimed owner was XXXX XXXX XXXX XXXX who on XXXX XXXX sold these MSR to hedge fund Annaly XXXX demand to disclose who authorized sale of MSR from XXXX XXXX XXXX XXXX demand to provide me and the Court an official Notice under RESPA and TILA with disclosure that the current self- proclaimed owner of Mortgage Servicing Rights is Annaly, not XXXX Disclose whom Annaly is servicing in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CT

Complaint narrative:
On XX/XX/XXXX, I intiated a money transfer from my XXXX account to XXXX account in the amount of {$3500.00} using Abound money transfer service. The estimated remittance date was provided as XX/XX/XXXX. Money was withdrawn from XXXX XXXX XXXX XXXXXXXX checking account on XX/XX/XXXX itself. Since then, there have been no updates regarding the status of the transfer. On XX/XX/XXXX, I sent an email asking about the status and I was asked to wait another XXXX business days. I followed up again on XX/XX/XXXX and I was told that my case was being escalated with the banking partner. On XX/XX/XXXX, the status of the transfer was marked as delivered but I have still not received the funds. I followed up with emails on XX/XX/XXXX and XXXX and there has been no answer to my query. Previously, I used to at least receive a response within an hour but after XXXX followu up emails, there has been no response to my query. There is no other way to contact the company other than email. This is the XXXX week since initiating the transfer and the company doesn't seem to care or respond. The online status keeps changing as well. Yesterday, it showed as delivered on XX/XX/XXXX and today the status shows as delivered on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation