vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I deposited a check with XXXX using their service through XXXX. I was also trying to deposit another check that kept getting declined. I deposited the first check successfully for {$60.00} dollars using a free service that pays out in XXXX business days. Through the next week I kept dwelling on the fact XXXX refused to cash the other check and cancelled my account prior to the first check funds depositing. I realized this contacted XXXX and had the account reactivated. This is what I believe started the problem. The check came through and showed " account funded '' on XX/XX/XXXX. The money was never deposited in my account. I contacted XXXX multiple times via chat but can not verify most dates and times. I contacted them by phone on XX/XX/XXXX and was told the computer showed it was still pending on the XXXX side. I contacted XXXX and they said it was fully funded to XXXX and it was on the XXXX side. XXXX told me to log into XXXX and view its status on their system which showed " account funded ''. I chatted with XXXX on the same day and told them this and shared a screen shot from XXXX stating it was on XXXX side. XXXX XXXX then told me I would have to wait and the computer would release the funds. I waited until XX/XX/XXXX and still did not have the funds released. I contacted XXXX again by phone, the XXXX XXXX went through the same things and when I told him I have already heard that he said it would have to go to more senior staff and they would get back to me once the problem is found and fixed. He did give me a time frame, I don't remember specifically but around XXXX days I believe. I have never been contacted by XXXX and the money is still not deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Greetings, I want to file a complaint against Portfolio Recovery Associates LLC for continuously violating the Fair Debt Collection Practices Act, because the credit card debt that sold to portfolio recovery associate doesn't match at all and I do not believed that the {$1500.00} credit limit went up to {$2000.00}, and also I do not believed that I utilized and used all of this amount which also did not match to their report. the portfolio recovery associates did not investigates the legality of the amount of debt sold to them, and just demand that I owed them instantly this amount of debt has been disputed so many times but nothing happened and now portfolio recovery associates keep pursuing the debt and until now they repeatedly and keep reporting to the credit reporting agency that I owed this wrong amount of debt to their company and pursue a collection for over XXXX years now, their illegal action is unacceptable and I wish someday the Consumer Financial Protection Bureau and Federal Trade commission take actions and penalized this company more so that this company will permanently ban and closed out for good, and please add this report to the XXXX, so that the XXXX proposed a new law and give the CFPB more power so that this collection Agency will stop playing the system when they respond to a complaint and closed out the issue and they are not afraid to the CFPB anymore because I noticed that when there is a complaint they just respond and close the case they think they can get away with it. but if there is a new Law it would prevent this greedy collection agency and stop victimizing a lot of consumer. I will also reach out to my XXXX and state legislature because I am a stronger supporter of CFPB and FTC because they are useful of waking up this abusive collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP
State: NE

Complaint narrative:
XXXX time I would consider the possibility of an error, but twice sending corrupt unreadable documents I would say constitutes outright fraud, not to mention outright denial of providing a payoff quote, inability to to produce original note after months ( obviously they need time to cover their tracks ), dual tracking with XXXX acknowledgements of a complete package and XXXX cancellations of assistance without ever requesting a single document other than XXXX that doesn't exist, inconsistent records of servicing according to them against the documents I've received. At this point, I might as well just be documenting the failures of the the agencies whose entire purpose is doing something, literally anything, about this and yet have remained silent while this bank has increasingly acted in a shadier and more fraudulent manner to protect themselves without once acknowledging the issues or providing and substantial validation of their own position

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am disputing a debt reported by Jefferson Capital System. They claim to represent the original creditor, but have not provided a notarized contract between them and XXXX CREDIT CARD I demand : Sworn contract Signed agreement Certified mailing record of alleged documentation sent Failure to comply will be considered willful non-compliance under 15 U.S.C. XXXXn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I made a loan payment of XXXX and XXXX has went up in interest in regards to me making a payment. My loans are in grace period and theres no need in having loans with XXXX credit bureaus including with XXXX XXXX. My student loans are being paid on and dont want this XXXX in total to be on my credit report if paid while in deferment. Ill really appreciate for this loans to be deleted off report so my credit score can go up with good credit and not student loans which Im making payment on now. I will need this XXXX to be deleted through XXXX XXXX and XXXX major credit bureaus so my credit can be in great financial standing. I hope this helps and wish me the best!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
This account/debt is now reporting as closed, which is impossible since it was a charge-off that was purchased by a XXXX party collector who never had my permission/consent to purchase/possess my private information, and I definitely " DID NOT '' have any accounts, agreements, or signed contracts giving the XXXX party authorization to collect on the debt or report on the debt with illegally obtained personal information of mine and initiate contact with the credit bureaus and fraudulently edit/delete, alter/change, add/remove, account information which are " EGREGIOUS REPORTING VIOLATIONS and ILLEGAL!!! This account/debt needs to be REMOVED and DELETED IMMEDIATELY considering it was reporting with inaccurate information, so I dispute, and the inaccuracies were changed, or were not changed and remained on my reports, so I made several more disputes again, and finally after however many attempts were made the account is now reporting as closed and shall remain for XXXX years on my credit report starting from an inaccurate closed date all being done by the XXXX party debt collector and not the original creditor!!! HOW DOES THIS TYPE OF FRAUDULENT ILLEGAL ACTIVITY CONTINUE LIKE IT'S STADARD POILCY AMONGST THE CREDIT REPORTING BUREAUS? I ALSO FIND IT EXTREMELY ALARMING THAT I RECEIVED A NOTIFICATION RESPONSE INFORMING ME THAT THE CRA DOESN'T CONDUCT THEIR OWN DEBT VALIDATION PROCESSES, THEY PASS THAT ON TO THE XXXX PARTY DEBT COLLECTORS WHO ARE ALREADY ILLEGALLY REPORTING WITHOUT AUTHORIZATION AND HAVE ALREADY ALTERED OR REAGED THE ACCOUNT INFORMATION TO RESTART THE CLOCK GIVING THEM MORE TIME TO ATTEMPT COLLECTIONS ON THE DEBT. THIS IS A MAJOR CONFLICT OF INTEREST, COMPLETELY BIAS AND NEEDS TO BE INVESTIGATED IMMEDIATELY FOR COMPLETE RESOLUTION AND SOME REFORMED ACTION TAKEN AGAINST THE XXXX PARTY COLLECTORS AND THE CRA 'S AS WELL!!!

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I XXXX XXXX XXXX ( myself ) on behalf of myself, would like to file a identity fraud theft complaint along With 15 U.S.C 1681 against Jefferson Capital XXXX. {$1400.00} XXXX XXXX. {$2300.00} I am being harassed from phone calls voicemails emails day after day, I clearly explained and been very mindful and respectful toward all collections debts that am not accounted this is clearly fraudulent acts of someone who may be impersonating ( Myself ) I have been very clear and tryed to be patient with all companys and debts collectors to clear my name once and for all This is XXXX me and my family back from moving forward to lead a quit common and respectful lifestyle along with the assistance of my creditors XXXX XXXX XXXX and XXXX XXXX etc Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
On XX/XX/year> a charge for {$6100.00} was charged to my Bank of America credit card. The only details on the statement for the transaction is XXXX XXXX XXXX I contacted Bank of America and they initially suggested I contact the vendor directly. I have tried phone calls to XXXX XXXX but without order details I could not get through the phone prompts. I asked Bank of America to open a claim and investigate. They opened a claim and followed up to say that they believe the charges were made by someone who was able to get my credit card in their possession. They closed the claim. I called Bank of America to flollow up to again make my case that these charges were for tickets that I did not order and I do not have in my possession. The Bank of America claim investigation process did not get me enough information to continue pursuing on my own. I also pointed out that typically Bank of America contacts me at the time of purchase to verify the transaction and that did not happen. They allowed a $ XXXX transaction involving a XXXX XXXX to post to my account and now they are not helping me get enough information to track down the tickets in question that were purchased. I tried another email to XXXX but it has been 10 days since my attempt to get their help and no response. I don't know what else to do and $ XXXX is too much money for my family to lose.

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 2026-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hi, There is someone hacking my SIM card and they have stolen money from my account. I had about {$94.00} available. I have {$18.00} available after a {$60.00} payment. I should have about {$130.00} available if they remove the late fee that was accessed. Where is the available credit? I also paid for XX/XX/XXXX bill. Did someone login into my account and pretend that I sent a package to them? It could've been a, crazy, XXXX person or a an XXXX. When I try to call and make a complaint at XXXX, the same XXXX and XXXX woman keeps answering the phone. They are spoofing my phone numbers.I need the account adjusted. There needs to be an investigation done if there is an assailant using my account ending in XXXX. I should have about {$130.00} available. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to dispute the reporting of a collection account by Portfolio Recovery Associates on my consumer credit report. This account is being reported as a collection with a balance of approximately {$230.00}. However, I have not been provided with sufficient documentation to establish lawful ownership of the alleged debt, the full chain of assignment, or proper verification of the reported balance. Portfolio Recovery Associates is a third-party debt buyer, and the information currently being reported has not been adequately validated. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), all information reported must be accurate and not misleading. Additionally, under 15 U.S.C. XXXX ( a ) ( XXXX ), a furnisher of information may not report information if it knows or has reasonable cause to believe that the information is inaccurate. Under 15 U.S.C. XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. At this time, I am formally disputing this account and requesting a reinvestigation pursuant to 15 U.S.C. XXXXi. I request that Portfolio Recovery Associates provide complete verification, including documentation establishing lawful ownership of the alleged debt, the full chain of assignment, and a complete accounting of the reported balance. If this account can not be fully verified as accurate and lawfully reported, it must be deleted from my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 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: PA

Complaint narrative:
I am filing a complaint against MIDLAND CREDIT MANAGEMENT regarding a collection account for {$1000.00}. This company is reporting a debt allegedly originating from XXXX XXXX XXXX. However, I have not been provided any documentation proving : The debt was legally transferred to Midland The accuracy of the balance My contractual obligation to this account As a debt buyer, Midland is required to maintain full documentation of the account. They have failed to provide this upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
I just registered my business account with Wise.com to receive payments from a potential international client that recommended that's their preferred payment method. Upon signing up with the company, I immediately noticed after their ID verification scan that they inputted my first name spelled incorrectly. There's no feature on the site to correct this information yourself. I inquired with their chat agent on their website and my account was immediately frozen for what they say is Fraudulent activity for trying to correct my name that THEY mispelled. I wanted this done so that the debit card I paid for would be correct. I paid {$31.00} USD for their business services, I paid an additional {$20.00} obligatory deposit to get a physical debit card and they froze my account within 5 minutes of my opening it. I can not with draw my funds, I can not get a refund. Initially, the chat agent told me to file an appeal, he send me a number of links of all of which did not work, then eventually he sent me a link that did work and wasn't even tied to an account, he told me to fill out the information in a private window not logged in. I did so without revealing anymore personal information but I don't see how it would help. I then called their XXXX number and spoke to someone on the phone who kept putting me on hold for long periods of time and then told me it would take someone 3-5 days to review my appeal to get my account unfrozen. The whole thing feels like a big scam to me, there are XXXX groups dedicated to people having their funds frozen or being locked out of their accounts in similar fashion. While it's not a lot of money, it's plenty to have stolen from me personally. Only after I initially after I signed up did I poke around their site and come to realize they don't even have a footer on their site, nothing about financial institutions, couldn't see their TOS anywhere, no privacy policy, and the most bizarre part a message kept popping up saying my account would terminated as of XX/XX/2025, which was 4 months ago. I keep reading this isn't a scam, they're just really strict, they do the XXXX thing really harshly, but then I ALSO keep reading that thousands of people have had their fund frozen just like me. Sounds like a scam to me, it's no XXXX, XXXX, etc I'll say that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
This company has not provded any documentstiin or proof if this alleged debt. Midland Credit Management inc, {$730.00} XX/XX/2024 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Hello, I am filing a formal complaint XXXX requesting your assistance in resolving a dispute involving the loss of {$3800.00} in Health Savings Account ( XXXX ) funds transferred from XXXX XXXX XXXX Bank of America, under XXXX regulations governing employee benefit plans XXXX Bank of America. This matter pertains to XXXX XXXX # XXXX XXXX Bank of America XXXX # XXXX XXXX, XXXX, XXXX XXXX. # # Summary of Key Facts - On XX/XX/XXXX, my full XXXX XXXX XXXX balance of {$3800.00} was transferred via check # XXXX ( origination date XX/XX/XXXX from account ending XXXX ). XXXX Bank of America XXXX confirm receipt on XX/XX/XXXX ( effective XX/XX/XXXX ), with the check clearing on XX/XX/XXXX ( back stamped : deposited XXXX BofA XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). - On XX/XX/XXXX, BofA attempted XXXX cash the check again ( Optum Transaction ID : XXXX ) ; XXXX inadvertantly sent a duplicate check XXXX BofA. BofA acknowledged the duplicate on XX/XX/XXXX ( per XXXX ). XXXX cancelled the duplicate. - On XX/XX/XXXX, {$3800.00} was deducted from my BofA XXXX account by BofA via XXXX ( authorization # XXXX ). The money was then lost. It was not sent back XXXX XXXX XXXX it was not sent XXXX me but Bank of America says it can not find it. I have maintained an XXXX XXXX account for over XXXX years without issue XXXX they have sent me proof of the check being cashed by BofA. Bank of America on the other hand has not sent any proof that they do not have the funds, in fact, I have proof that they indeed cashed the check XXXX it cleared. # # Relevant Contacts - * * Bank of America XXXX Account XXXX * * : P.O. XXXX XXXX, XXXX, ND XXXX ; Contact : XXXX XXXX ( XXXX ). - * * XXXX XXXX XXXX Department * * : P.O. Box XXXX, XXXX, NJ XXXX ; Contact : XXXX XXXX ( XXXX ) ; Case # XXXX. I respectfully request your investigation into this XXXX violation, including verification of fund tracing, enforcement of fiduciary duties, XXXX recovery of my {$3800.00} plus any applicable fees/interest. Please advise on next steps or required documentation. Thank you for your prompt intervention. I am available at the contact information above. Sincerely, XXXX XXXX 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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I have called BMO customer service line. I was transferred to two different people including supervisor XXXX ( XXXX # XXXX ) who works for the BMO vendor XXXX who is supposed to service the calls. Both representatives were unable to verify me since the system generated text were not received and they were unable to pull up verification questions in order to assist me with the account. ( the call lasted XXXX ) At the second try XXXX XXXX hang up on me without any warning although I was not disrespectful or abusive in any way shape or form. It appears that the BMO vendor XXXX is not properly training its staff in assisting the customers. One the second try I called the phone number on the back of the card and requested customer service in either US or Canada. I was then told I will be transferred to the appropriate person however I was lied to and the call was again picked up by the XXXX in XXXX. Disclosure : as a journalist I have recently covered the BMO 's operations in a very critical way as the bank is not able to provide basic customers service function and its outsourced services are below any kind of standard considered acceptable. 1 ) Why is the BMO relying on the XXXX to provide service while its agents are unprofessional and treat its customer with disrespect and contempt? 2 ) Why is the {$250.00} bonus not applied to my account despite meeting the {$2000.00} spending threshold? 3 ) Why the banking center outsourced employees are not able/willing to provide basic customers service info regarding the account as required by law? Sincerely XXXX 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