vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ascent Holding Co
State: MO

Complaint narrative:
I completed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) which included a career guarantee. I secured employment as a XXXX XXXX in Kansas XXXX in XX/XX/XXXX, fulfilling the guarantee terms. 

In XX/XX/XXXX, I was involved in an XXXX XXXX My employer initially allowed me to work from home while my car situation was resolved. When my insurance company determined my car was totaled, I informed my employer. I was XXXX  shortly after ( XX/XX/XXXX ) due to my inability to commute to the office. I have documentation of this termination and the accident. 

My first loan payment of {$750.00} is due XX/XX/XXXX. I can not make this payment. I have contacted Ascent Funding and XXXX XXXX multiple times. On XX/XX/XXXX, XXXX XXXX denied further deferment stating I have exhausted my postponement time and provided a PDF explaining the denial. They directed me to contact the school regarding the career guarantee. 

I have emailed XXXXXXXX XXXX multiple times requesting information about the career guarantee and hardship exceptions. They have either ignored my requests or stated they " have no insight into the loan '' without addressing the guarantee claim. The company was acquired by XXXX XXXX while I was enrolled ( my certificate shows both Thinkful and Chegg Skills ). 

I am being bounced between the loan servicer and the school with no resolution. My mother co-signed this loan and both our credit is at risk. I have documentation of the accident and all attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
The school gave out disbursements that I never received.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICA'S LOAN COMPANY, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXXXXXX filed a garnishment of wages for {$1600.00} for a personal loan. XXXX 's XXXX never notified me by mail of the Judgement or Garnishment. The information was sent to an incorrect address from their files that I not only updated my correct one over the phone but also online every time I made a payment. The way I was notified was by my employer on XX/XX/XXXX when my payroll dept contacted me. Not receiving the paperwork until XX/XX/XXXX prevented me from disputing the XXXX because the XXXX  days to do so through the courts expired. When I contacted the courts they referred me back to the loan company. I contacted the loan company on XX/XX/XXXX and explained all the paperwork from the judgement and XXXX were sent to the wrong address and I was told that what they had on file. I haven't lived there for over XXXX yrs and I previously updated them with my new residence. I was told the home office would email back.... not even a phone call! The next step is an attorney

Company response to consumer: Untimely response
Consumer complaint received 2026-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : Chase Bank app, XXXX XXXX of Incident : XX/XX/year> Chase Bank Case Number : claim number XXXX Zelle Reference Number : XXXX Transaction Amount : {$1000.00} Description : Despite numerous calls and attempts to resolve the issue, neither Chase Bank nor XXXX took responsibility. The case was closed without resolution. 

refund of the {$1000.00}, further investigation, On XX/XX/year>, I experienced a significant financial hardship due to an unresolved issue with Chase Bank and XXXX involving a {$1000.00} transaction. Despite numerous attempts to resolve the problem and promises of a 7-10 business day resolution, the issue remained unaddressed, and the case was closed without a resolution. 

On XX/XX/year>, the issue occurred due to a malfunction within the Chase Bank XXXX application. While attempting to make a payment, the app repeatedly failed at the confirmation stage. The confirmation buttons were not responding properly, and I was unable to clearly review, approve, or intentionally confirm the transaction. 

The app appeared to freeze, deny confirmation, and repeatedly prompt actions without my control. I did not knowingly authorize or confirm the final transaction. Despite this, the app processed the payment anyway. The transaction occurred as a result of the apps malfunction, not due to any intentional or approved action on my part. 

I had no ability to stop, reverse, or control what the app ultimately executed. At no point did I receive a clear, successful confirmation screen indicating that the transaction had been completed. This resulted in {$1000.00} being sent improperly, including one transaction that went overseas.

Because this transaction occurred due to a technical failure of the app and not through my deliberate authorization, I immediately reported the issue to both Chase Bank and XXXX. Despite multiple calls, reference numbers from both companies, and assurances that the issue would be resolved within XXXX business days, no resolution was provided, and the case was closed. 

This was not user error. This was a failure of the apps confirmation and authorization process, which directly caused financial harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL

Complaint narrative:
Before closing we requested reasonable accommodations. Due to my XXXX, I was unable to understand the process. I am XXXX which included a XXXX XXXX The loan officer asked me not to send him emails. I made two requests for assistance. No response. This happened XX/XX/XXXX. I was extremely confused and explained that I needed help. 

I never missed a payment unfortunately in XX/XX/XXXX, a late escrow was sent to me, and we didn't know why. The name of this company is Vanderbilt Mortgage. This is a VA loan, and I am a XXXX Veteran. I served in XXXX the XXXX. I served Honorably and felt I was not given the information I needed. Vanderbilt Mortgage is requesting XXXX. This is money we were not expecting to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The check was issued by : Account Number :XXXX XXXX XXXX XXXX  - {$36.00} Make SYNCHRONY BANK XXXX XXXX Payment XXXX XXXX XXXX to : XXXX, FL XXXX XXXX XXXX XXXX XXXXThe Bank informed of this issue and instructed me to send the check to them. I wanted to use the check to pay for an item I wanted. However, it is too easy to discard the check then request payment for the item I wanted to purchase. 

XXXX - I returned the check to the Synchrony Bank in XXXX, Florida. It was returned to me unopened.

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 2026-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: eMortgage Funding LLC
State: NJ

Complaint narrative:
An individual using the name XXXX XXXX and claiming to be a loan advisor at XXXX contacted me on XX/XX/year>. When I returned his call, it was obvious that this was a scam artist. He immediately asked me for personal information including SSN. I told him not to contact me again and that I planned to report him, however he persisted. Ive since learned that my cellular provider has already flagged his phone number as a potential scam. 
His Phone : ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I am writing this letter to dispute the charge of {$620.00} on my credit reports from Fair Collections and Outsourcing/XXXX XXXXs. The account is not accurate, and it does not belong to me. 

The company charged me rent and utility fees after I had already paid the XX/XX/XXXX fee. I did not occupy the unit after XX/XX/XXXX, and I do not owe the company any additional money for the days after I vacated the apartment ( XX/XX/XXXX, to XX/XX/XXXX ) with advanced notice. 

I have disputed various invalid charges to my account from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX  did not identify the name of the utility company chosen to distribute the utility bill or the amounts of monthly payments required of tenants when the company acquired XXXX XXXX  from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. After multiple inquiries from tenants, they used unconventional methods to communicate to tenants that they are required to pay for utilities at a higher rate within forty-five-day increments. 

I was required to pay for utility bills that ranged from {$150.00} to {$380.00} from XX/XX/XXXX to XX/XX/XXXX. 

The final utility and rent bill were paid by the company before XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 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: CITIBANK, N.A.
State: UT

Complaint narrative:
A transaction was shown in a credit card on which I have reported to the credit card company that the credit card was stolen. The company have sent a new card to replace the stolen card. But the company didn't take any action to protect my account and let the stolen card transaction went through.

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 2026-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NJ

Complaint narrative:
I Found out someone changed my email on my account then tried to open some type of business account through you guys something I never heard of and all together its fraud because i didnt do it and as a loyal customer of Cash App with absolutely no hiccups for years I genuinely think I deserve my cash app account back and i desperately want it back because I have no back account at this point in time please help!!! Signed a loyal customer since Cash App began thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 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: TX

Complaint narrative:
Im filing this complaint with the CFPB because I experienced unauthorized charges on my Chime account. Despite providing proof and verifying with the merchant that the transaction wasnt in my name, Chime refused to return my funds. Eventually, they closed my account and blocked my access to their banking services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital/Kohls Department Store opened a new Kohls Department Store credit card online on XX/XX/year>. I did not initiate the transactions ; but discovered it when XXXX 's contacted me online about paying the bill. When I purchased the merchandise, I gave the store clerk my Master Card ( XXXX ). The clerks began asking me questions to verify my demographics. I thought it was odd, particularly since his partner began approving my responses. It meant that Kohl 's already had my mailing address, phone number etc. And after the purchase the Kohl 's clerk returned my XXXX back me. 
Kohl 's contacted me to pay the bill in XX/XX/year> ; the balance was {$100.00}. {$31.00} was added to the cost ( {$77.00} ). I realized I had been scammed and I told the Kohl 's agent to " closed the account ''. Before the closure a second bill generated {$100.00}. I paid this bill and instructed the new Kohl 's agent to close their online Kohl 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-10 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: PA

Complaint narrative:
Hello Team.

Greetings to all.

I used Abound for International Remittance to transfer XXXX USD on XX/XX/XXXX from US to XXXX for my family emergency. The money was debited from my XXXX XXXX  account on XX/XX/XXXX. As per Abound money should be deposited within 8-10 business days. Today is XX/XX/XXXX and I still don't have the money deposited in my XXXX XXXX  account by Abound. I connected with the customer support multiple times but they pay least attention to the problem and share that the money will be deposited in next 3-5 business days.

Abound is just giving me dates only.

I kindly request you to accept my complaint on Abound on the basis of compliance and regulatory and escalate this issue.

Abound should compensate me for this mental harassment.

Thank you.

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 2026-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lawson Hamilton & Associates
State: AL

Complaint narrative:
There was a collection amount of {$1300.00} owed to Lawson Hamilton and Associates. The collection stated I opened a payday/installment load on XX/XX/year>, with the original creditor, XXXX XXXX XXXX. This is not true. I did not know who this creditor was. I never completed an application online or in a store. I called XXXX XXXX XXXXXXXX and filed a dispute with them. They sent me a resolution letter stating that have no record of an account that I opened with them. This debtor, Lawson Hamilton and Associates, is trying to collect money from me fraudulently. I did ask them to send documents to my email address that shows I opened this account with my personal information. They never sent it. This collection is damaging my credit showing that owe this past due balance and have never made a payment. I never made a payment because I don't owe this money, never applied for any loan with XXXX XXXX XXXX or had any dealings with Lawson Hamilton and Associates. I have worked hard to improve my credit, and this fraudulent past due collection is damaging it. Please look into because these scammers need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Avant , LLC regarding extensive unauthorized and fraudulent activity on my Avant credit card account. My card was compromised and used for approximately XXXX fraudulent pending and posted charge attempts, including multiple XXXX and XXXX * Eats HELPUBER.com and XXXX XXXX and XXXX and XXXX XXXX transactions and repeated micro test REPLICATE charges and XXXX XXXX charge transactions attempts. Some of those charges posted and were paid. 

When I contacted Avant, I was told I could not dispute the charges, which is unacceptable and contrary to my rights under the Fair Credit billing Act. I did not authorize, make, or benefit from any of these transactions. 

I am requesting that Avant immediately investigate, reverse all fraudulent charges, remove liability from my account, and issue a new card number. I am also requesting written confirmation of this resolution. 

The situation has caused financial harm and distress, and I am requesting CFPB assistance in ensuring Avant complies with federal law. Also XXXX of their representatives asked me for my full social security number to verify who I was and they only needed the last XXXX digits. I was also asked if I was required to provide personal information when it was their own representatives asking me for that information and nobody else. 


I do not use XXXX and I don't use XXXXXXXX XXXX. I made none of these transactions listed below : REPLICATE XX/XX/XXXX {$1.00} Declined XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I received a debt collection notice from HRRG offering a settlement on an alleged debt that I do not recognize and do not know. 

The collection notice also contains inaccurate personal identifying information, including an incorrect mailing address that does not belong to me. Because the address is wrong, the notice does not establish that I am the correct consumer associated with this alleged debt. 

I am disputing this alleged debt and requesting full written validation. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, a consumer has the right to dispute a debt and request validation, and the debt collector must cease collection activity until proper validation is provided. Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations, including inaccurate or unverified personal identifying information such as an incorrect address. 

I am submitting this complaint because the debt collector attempted to collect an alleged debt that I do not recognize, used incorrect address information, and has not properly verified that I am the correct consumer, in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Capital Management garnished wages in XXXX. The debt was around {$4400.00} was paid in full. Midland Capital Management then tried to garnish wages again and employer told them the debt was already paid and never heard anything else. Midland now garnished wages again with new employer saying that the XXXX debt was not paid since the case was dismissed and they refunded the money that was never received. They admit that the checks they sent were never cashed and Midland had an incorrect address. Now Midland garnished my wages again claimed additional interest and now debt shows {$5400.00}. Debt is now paid in full since Midland credited me with previous garnishment since they could not show where I cashed refunded checks. Midland has not sent a release to my current employer and my wages are still be garnished. To date I have received {$10.00} refund check and I have had {$2600.00} withheld. I received letter from Midland on XXXX XXXX that on XX/XX/XXXX is paid in full. I should not have had to pay interest on previous debt and I should have been released from garnishment immediately. Something should be done due to their incompetent accounting,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year>, I attempted to link my XXXX XXXX account through XXXX  inside Cash App to withdraw {$12000.00} from my Cash App balance. 

Due to a XXXX  auto-linking error, Cash App sent the {$12000.00} to a debit card ending in XXXX that I do not recognize or own. 

I immediately filed a claim through Cash App ( ticket submitted XX/XX/XXXX ), but as of today : Cash App support has told me no claim exists in the system They have also stated they are waiting to hear back from the card issuer The destination cards issuing bank has not responded, and I have received no updates or refund. 

This is a misdirected electronic funds transfer caused by Cash Apps systems ( XXXX  auto-linking ), not by any action on my part. 


I want my XXXX $ deposited back to my account balance IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 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: Perpay, Inc.
State: NC

Complaint narrative:
I canceled my Perpay card due to high costs and a job change that eliminated direct deposit. A refund in the amount of {$85.00} was later issued to the closed card. Perpay has retained the funds and has failed to provide an alternative refund method despite repeated contact attempts. Customer support repeatedly closes chats if I am not immediately present, forcing me to restart the process without resolution. I am requesting immediate release of my funds via check or ACH, and they have failed to meet that request or even communicate in an appropriate manner.

Company response to consumer: Closed with explanation