vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: AR

Complaint narrative:
I submitted a fund transfer request from my bank account of XXXX XXXX XXXX on XXXX XX/XX/XXXX thru an app called Abound a times of XXXX company they promised to deliver on XXXX XX/XX/XXXX later they claimed it was delivered on XXXX XXXX XX/XX/XXXX I sent them my bank statement from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX there is no payment received from abound till date They have no satisfactory answer and their app has robo messenger no live human Please help me recover my money from Abound

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
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I disputed an alleged rental debt with XXXX XXXX XXXX XXXX XXXX and requested validation on XX/XX/year>. 

XXXX never responded to my dispute and never provided any documentation validating the debt. Despite this, XXXX continues to report the account to consumer credit reporting agencies. 

Reporting a disputed debt without responding to the dispute or providing validation violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ( b ) ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 

I am requesting that XXXX immediately delete this account from all consumer credit reporting agencies due to their failure to respond to my dispute or provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX is wrongfully retaining funds in my account despite a court-ordered garnishment having been formally released. 

The garnishment that caused the restriction was lifted by court order. That release order has been provided to XXXX multiple times, including by legal counsel. Despite this, XXXX has failed to confirm receipt or process the release and continues to restrict my account and hold my funds. 

XXXX currently has no legal authority to retain my funds. Continued retention after receipt of the release order constitutes an unreasonable delay and XXXX amount to wrongful conversion of funds. 

I have made repeated attempts to resolve this matter directly with XXXX. There is no meaningful customer service response or escalation path, and my attorney has also been unable to obtain confirmation from XXXX. 

I am requesting immediate confirmation that : XXXX. The court order releasing the garnishment has been received and verified XXXX. All account restrictions related to the garnishment have been removed XXXX. My funds are released and made available without further delay This complaint is being filed because XXXX inaction is causing ongoing financial harm despite full legal compliance on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 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: Chime Financial Inc
State: CO

Complaint narrative:
I have not used this in a while and I don't use chime anymore... I would like to use my own bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Upon reviewing a copy of my credit report, I noticed an account that I do not recognize from XX/XX/year> for {$780.00}. Please remove from my report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Regarding XXXX I also want to note that I asked the servicer for a payment plan to resolve the remaining balance while this loan is under dispute. My request was denied. 
This occurred despite my long payment history, my fixed income, and the fact that the remaining balance arose after deferred payments and loan extensions that were never clearly explained to me in writing. 
I believe this refusal further demonstrates servicing failures at the end of the loan and a lack of reasonable options provided to me as a consumer attempting to resolve the account in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have tried to get a modification or forbearance with no luck. I've tried to refinance the loan with no luck. By far the worst credit union i have worked with. And I have been a member for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
REQUSTED A VERIFICATION OF DEBT AND GOT NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: TX

Complaint narrative:
I am filing a formal complaint regarding XXXX improper restriction of my account, mishandling of a debit card dispute, and denial of timely access to my funds. These actions caused financial harm and reflect systemic operational failures, not misconduct on my part. 

My XXXX account has been active since XXXX and is fully verified. Despite this, XXXX imposed broad restrictions that trapped my funds. I am unable to withdraw money, transfer funds to a bank, send payments, or move crypto assets externally. Limited in-person debit card usage is the only remaining functionality and is not a reasonable substitute for access to my funds. 

On or about XX/XX/XXXX, I paid approximately {$65.00} via my XXXX debit card for a prepaid XXXX XXXX reservation that was denied upon arrival. XXXX briefly reversed the pending charge, then allowed it to be re-posted, after which I opened a dispute ; XXXX canceled my debit card and misissued replacement cards due to internal address errors, immediately preceding the broader account restriction. 

Shortly thereafter, XXXX blocked all outbound account activity, including transfers and withdrawals, and restricted crypto transfers. 

On XX/XX/XXXX, I sold XXXX within XXXX to regain access to funds. Although the sale was completed, XXXX placed the proceeds in a prolonged pending state ( estimated availability XX/XX/XXXX ) while maintaining the account restrictions, leaving me unable to access the funds. 

XXXX support acknowledged that these freezes are system-driven, that XXXX lacks XXXX transaction verification, and that there is no meaningful escalation or override process. 

XXXX provides no adequate written complaint channel. In-app messages are severely limited, and email correspondence routes to a general intake address with no confirmation or tracking. XXXX also cited my history of multiple linked debit cards as a risk factor, despite this being normal financial activity and not disclosed as prohibited behavior. 

As a result, I have been denied access to my funds, forced to rely on retail cash-back workarounds, subjected to ongoing financial stress, and prevented from accessing crypto proceeds. 

I respectfully request : XXXX. XXXX removal of all account restrictions XXXX. Release of all funds without further delay XXXX. Written explanation of the restriction XXXX. Confirmation that no further holds will be imposed XXXX XXXX of XXXX dispute handling, debit card misissuance, and risk controls XXXX conduct demonstrates systemic deficiencies that deny consumers reasonable access to their money without due process. I request CFPB review and appropriate action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I placed an order with XXXX that was canceled the same day. XXXX has confirmed that the authorization was released immediately and that no charge was ever settled. On XX/XX/year> my DailyPay card balance suddenly went negative by $ XXXX DailyPay claims this was due to XXXX charging my card twice, and that XXXX took the money back on that date. Later on that day the balance went up to an additional - {$140.00} when i asked dailypay about the additional negative balance they stated that my balance was at XXXX around that amount and doordash refunded me {$58.00} and it brought it down to - {$140.00} when i contacted XXXX about this refund that i had received they had no record of that amount in any refund being given to me on XX/XX/year> i have screenshot of that conversation as well. XXXX has confirmed that no additional charge occurred, no second charge exists, and there is no transaction history supporting DailyPays claim. DailyPay later stated that a separate balance adjustment was due to a XXXX refund on the same date. XXXX has confirmed that no refund was issued to me and that they have no record of any refund transaction. 
DailyPay provided screenshots of the alleged XXXX transaction ; however, the transaction entry contains no merchant description, no authorization ID, no ARN, no PAN, no payment type, and no settlement information only an internal ID number and an amount of {$180.00}. DailyPay is holding me responsible for a negative balance without providing valid card-network settlement documentation, despite both merchants denying the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to bring attention to a pressing matter regarding harassment by Comenity Capital Bank, related to a disputed charge from Dell Computer. In XX/XX/year>, I cancelled a program with Dell and was informed that my account would be credited accordingly. However, despite repeated confirmations from Dell 's customer care and technical support teams that I did not owe any outstanding balance, I continued to receive bills and notifications from both Dell and Comenity Capital Bank. 
The outstanding amount in question is {$280.00}, which includes interest on the original charge of {$83.00}. Despite my efforts to resolve the matter amicably, I have been subjected to multiple calls and voice messages from Comenity Capital Bank, which have been threatening in nature. I have consistently informed the bank that I do not owe the disputed amount and requested that they verify the status with Dell.

In an attempt to resolve the matter, I paid the disputed amount to Dell Computer in three installments. Nevertheless, the bank has persisted in their collection efforts. Given the circumstances, I have decided to investigate Comenity Capital Bank 's practices and have discovered that they have been involved in class-action lawsuits in the past. 
As a result, I intend to pursue a claim in small claims court for harassment and expect a judgment that reflects the severity of their actions. I believe that the bank 's behavior has been unacceptable and warrants further action. 
I would appreciate any guidance on the next steps I can take to resolve this matter and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
CALL THEM AND REQUEST VERIFICATION OF DEBT WITH ORIGINAL SIGNATURES AND DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a HELOC with Regions Bank. Through an error on my part, my auto payments were too small an amount to satisfy the minimum monthly payment by ~ $ XXXX. This is an error I can and would have fixed ... if someone had let me know. The only notification I got from Regions was on the same day my credit score dropped XXXX points. I contest that Regions did not take reasonable methods to notify me of this issue to allow me to correct it. 

Here are facts of case that are undisputed by Regions : -Neither account holder on the HELOC received secure messages on Regions banking portal about this issue prior to derogatory credit report. 
-Neither account holder on HELOC received a voicemail from Regions about this issue prior to derogatory credit report.

-Neither account holder on HELOC received any certified mail from Regions about this issue prior to derogatory credit report.

-Neither account holder on HELOC received any emails from Regions about this issue prior to derogatory credit report.

Here are points of contention between Regions and I regarding communication on this issue : -Regions claims they mailed a letter on XX/XX/year>. We never received this letter. 
-Regions claims they called XXXX account holder 's cell phone. This account holder 's caller ID has no record of inbound call from caller ID of " Regions Bank '' or similar. 

I addressed this with Regions and was met with a defiant " we did nothing wrong, we will not rescind this derogatory mark on your credit ''. 

Regions could have ( and did not ) make a reasonable effort to contact either account holder about this delinquency. This allowed a minor issue to snowball into a serious mark on my credit score.

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 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
I have contacted MOHELA multiple times by telephone over the past several weeks using the customer service numbers provided on its website and account communications to request a complete and accurate payoff statement. Despite these repeated requests, MOHELA has not provided the payoff amount or the information necessary to pay the loan in full, including a payoff good-through date, daily interest accrual, itemized balance, and payment instructions. 
MOHELAs failure to provide payoff information has prevented me from satisfying my loan obligation and has resulted in continued interest accrual and financial harm. I have not received a clear explanation or timeframe for when the payoff information will be provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America received funds tied to an investment scam involving an elderly victim ( age XXXX ) through a XXXX account believed to be a money-mule account. 
XXXX Detailed account information and supporting evidence have been provided, yet there has been no confirmation that Bank of America investigated the receiving account, froze funds, or took steps to prevent further harm. 
XXXX I am requesting confirmation of whether Bank of America : Investigated the receiving account Filed a Suspicious Activity Report Preserved or froze any remaining funds Coordinated with the sending bank for recovery > This complaint is submitted due to the seriousness of elder financial exploitation and the lack of transparency regarding Bank of Americas response. 

-- -

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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AZ

Complaint narrative:
REQUEST A VERIFICATION OF DEBT WITH ORIGINAL SIGNATURES OR ID AND NO REPSONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX, I was washing dishes and then noticed I had received several Bank alerts from XXXX, which is the name on my card and their website. On my account it says the bank name is XXXX XXXX... These alert text messages were of several fraudulent charges made from a XXXX 's store XXXX Missouri XXXX, Tx the first was at XXXX for {$130.00}, the second was at XXXX {$380.00}, then at XXXX XXXX for {$460.00}. all from XXXX 's store within minutes. At XXXX a charge was attempted but declined for {$17.00} at a XXXX XXXX XXXX FUEL CTR XXXX HWY MISSOURI XXXX TX XXXX XXXX I immediately called the number on my card. I called the police dept. I filed a police report. this report # XXXX. I called the XXXX store at the phone number I was given by my bank. I gave XXXX the information and was told they would look into it. I asked my bank if I could report to their fraud dept. They refused to allow me to speak to the fraud dept. The reps at my bank were not helpful and argumentative. I don't believe they plan to do anything about these fraudulent charges. I reported these charges to identitytheft.org also I want to files charges against my bank institution for refusing to do anything about these charges when clearly fraud has been committed against me. I later remembered to check my emails because I get email alerts also. I had received several from XXXX alerts of the fraudulent charges but also an email that a phone number was added to my alerts. this was the phone # ( XXXX ) XXXX this was added at XXXX, also a XXXX pay XXXX added to my card with I don't have.this was done at XXXX. When I told my bank about these things they claim to not see them. then when I told the rep from XXXX I have emails from XXXX, anytime alerts of these unauthorized changes to my account. then i was told XXXX pay and that phone number had already been removed because of the fraud. So they say that there was XXXX XXXX unauthorized XXXX pay account and phone number added to my card and you didn't mention it. XXXX just went ahead and removed it. Even though it's a part of a criminal act that occurred. I believe XXXX is trying to cover up things because of their lapse in stopping this so they are not helping me.

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 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NH

Complaint narrative:
When my XXXX XXXX account was open, I missed a payment due to hardship. They began sending payment due with amounts I could not afford monthly. I reached out to them as well as sent money. For example if they said minimum payment was {$250.00}, I sent {$100.00} to prevent a huge increase and it was all I could afford. My intention was to catch up with 2 times a month payment. 
They began sending my payments back and would not apply my payments to my account. They sent them back! Repeatedly! 
Consequently, I could not catch up and a {$4000.00} debt turned into a {$8400.00} because of interest. 
I complained, disputed and now I received a notice from ; XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX has caused me great anxiety over this issue as it was a fixable issue that I could have caught up on. They were unwilling to work with me and continued charging interest.

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 2026-01-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I experienced unauthorized recurring credit card charges from the merchant descriptor FOLLOWERS REPORT, which I believe originated from a fraudulent XXXX advertisement/scam. 

The charge was {$49.00} and posted monthly on the XXXX or XXXX. The charges began in XX/XX/XXXX and continued through XX/XX/XXXX, totaling {$340.00} ( XXXX charges {$49.00} ). 

I previously notified the bank that this merchant was unauthorized and I revoked authorization for any future charges. The bank issued a replacement card, but the same merchant continued charging afterward. Based on that, it appears the merchant continued billing using network credential updates ( such as XXXX Account XXXX and/or a tokenized credential-on-file ), allowing the merchant to keep charging even after the card number changed. 

On XX/XX/XXXX, at approximately XXXX PM XXXX, I called the bank to stop the recurring merchant and resolve the dispute. I first spoke with a supervisor who identified himself as XXXX XXXX ( XXXX Department, XXXX XXXX ) and was later transferred to XXXX XXXX XXXX Department ). 

During the call, I requested that the bank stop all future charges from FOLLOWERS REPORT and I requested a claim/case number or call reference number documenting my report. I was told a reference number could not be generated. 

XXXX stated the bank would send a new credit card within XXXX business days, would credit the account {$340.00}, and that I would receive an email within XXXX hours with details of the claim. However, I was again told they can not provide a claim or case number.

Company response to consumer: Closed with explanation