vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Deceptive Marketing & Unfair Financial Practices Company : American Express Product : Credit Card ( Platinum Card ) Issue : Problem with a rewards program / Credit limit or balance issues The Complaint Text : I am filing this formal complaint against American Express for a pattern of deceptive marketing, structural service failures, and the unfair restriction of my financial assets. 
XXXX. Deceptive Denial of XXXX Welcome Offer In XX/XX/XXXX, I was approved for the Platinum Card with a XXXX offer. Due to severe miscommunication between Amex departments within XXXX minutes of approval, I attempted to cancel. Amexs internal silos failed to coordinate ; they ignored my instruction and shipped the card anyway. This first card was never activated. In XX/XX/XXXX, instead of providing a professional 'Account Reinstatement, ' Amex representatives directed me to open a new account. Amex is now using this 'second account ' statusa situation created by their own staff 's improper guidanceto deny the XXXX points. I have processed {$41000.00} USD in 60 days, exceeding the spend requirement of {$8000.00} within the 6 months of getting the card ( See Attachment XXXX ; Amex XXXX Membership Reward Points ) by over 500 %. Denying this bonus based on an internal XXXX error is a bad-faith business practice. 
XXXX. False Advertising : 'No Preset Spending Limit ' and Arbitrary Penalties American Express markets the Platinum Card as having 'No Preset Spending Limit, ' a claim they use to induce high-spend customers to join. However, my experience reveals this to be false advertising. 
Premature Penalization : On XX/XX/XXXX, Amex issued a warning that 'Future Transactions May Be Declined ' ( See Attachment XXXX ). 
The Breach of Terms : On XX/XX/XXXX, Amex followed through and declined my transactions ( See Attachment XXXX ). This occurred despite my official payment due date being XX/XX/XXXX. 
The Core Issue : Amex effectively revoked my spending power 15 days before the bill was due, despite my account being in good standing. This arbitrary restriction makes their 'No Preset Spending Limit ' ( See Attachment 4 ) claim deceptive, as they are capping my spending without any missed payments or due-date violations. 
XXXX. Punitive Payment Holds on Verified Funds To restore service, I made a proactive payment of {$32000.00} USD on XX/XX/XXXX ( See Attachment XXXX, Amex Payment XXXX XXXX XXXX  Confirmation ). This is double the required amount and was issued from my verified account at XXXX XXXX XXXX XXXX XXXX. Despite accepting my {$32000.00}, Amex has imposed a " XXXX verification hold, ' blocking my card access. It is predatory to demand early payment, accept a customers liquid capital, and then continue to deny service for a bank account already on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a USD XXXX transfer through Abound XXXX XXXX ( Transaction ID XXXX ) from my XXXXXXXX XXXX account to my XXXX  account in XXXX. The amount was debited from my XXXX account the same day, with Abound stating the funds would be credited by XX/XX/year>. However, no funds have been received to date. On XX/XX/XXXX, Abound emailed stating the transfer was completed, and their app falsely shows completion on XX/XX/XXXX. Despite repeated attempts via in-app support and email, I have received only vague responses with no resolution or accountability, which raises serious concerns regarding the status and handling of my funds raising serious concerns about mishandling or fraud.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied in XXXX, did second app in XXXX was approved XXXX, applied for another card, I got manually approved through the branch few days later I get a call from chase card services saying were closing your cards because that specific person didnt like my credit report. I feel this is absurd and someone needs to do something about there review process after someone goes through underwriting not once but multiple times. My AUs were terminated before I was approved for my cards if that was a problem. And any AU is a relatives card I dont see the issue. I have no new cards except those 2 from chase and 1 XXXX card from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have a debt that does not belong to me and its hurting my credit score. It might be a mistake but I need it fixed as soon as possible. It says the debt is for {$950.00} and has put me in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I used PNC Banks online Bill Pay service to pay my HOA {$1500.00} for an outstanding balance of {$1400.00}. The bill pay system showed the payment as completed, by XX/XX/XXXX, and sufficient funds were available in my account. 
The HOA never received the payment, and the funds were never debited from my account. PNC later stated a check was sent, yet no proof of check negotiation has been provided. 
Because I relied on PNCs representation that the payment was completed, I believed my HOA account was current. Between XX/XX/XXXX and XX/XX/XXXX, the HOA assessed {$2200.00} in penalties, legal fees, and lien-related charges. 
I only became aware of the issue when I received notice that a lien had been placed on my home and that foreclosure proceedings would begin within two weeks. I immediately paid the HOA in full to stop foreclosure. 
This harm was caused solely by PNCs failure to execute the bill pay transaction or notify me of non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2026 my PayPal account was hacked. A unauthorized transaction on {$1200.00} was made. I contacted PayPal within XXXX minutes Dispute Case ID XXXX. I changed passwords and removed cards from my account. I contacted my bank and let them know what happened. Paypal reviewed my claim and denied it. The transaction was XXXX I do not and have never had a XXXX account. Concurrently my XXXX account was hacked and a camera worth {$3800.00} was purchased and was going to be shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX a know destination to send items to XXXX XXXX XXXX I am current working with my credit card company to get these charges reversed. I caught all this as it was happening so was able to react quick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: CO

Complaint narrative:
I opened an account with Novo to do their {$300.00} bonus. I found this bonus from XXXX and made 100 % sure to completely signup from the link in the XXXX page advertising this promo. I competently fulfilled the requirements and was supposed to be paid by XX/XX/year>. I contacted Novo and they are claiming I did not signup from the XXXX page. I know this is false as I applied immediately after finding this promo and clicking on the link. It is not my fault Novo 's systems are not correctly tracking this. I have seen online lots of others are having this same issue of not being paid and Novo refusing to pay the bonus for the same reason. A class action lawsuit is looking to be needed with this many people affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I selected the minimum payment of {$92.00}, but the system processed the full statement balance in error. I need this documented and reversed before it posts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

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

Company 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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the application with XXXX, I am up-to-date on my payments however they are reporting to the credit bureaus all three that I am delinquent and I am past due

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute for a purchase paid directly from my bank account through PayPal. 

The item was ordered for a time-sensitive event and was delivered after it was needed, making it unusable for its intended purpose. I requested to return the item for a full refund. The sellers website states that they offer a full refund policy. 

Despite my willingness to return the item, PayPal closed the dispute in the sellers favor without addressing my request for a return or requiring the seller to provide return instructions. As a result, I am being forced to keep an item I do not want while being denied a refund. 

I am not requesting a refund without returning the product. I am simply asking to return the item and receive my refund in accordance with the sellers stated policy. PayPals dispute resolution process did not provide a fair or reasonable path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA 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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am filing this complaint regarding serious escrow account mismanagement by NewRez LLC ( formerly Caliber Home Loans ). 

Background : My property consists of multiple tax parcels. When NewRez acquired my mortgage from Caliber, they failed to identify all parcels associated with my property and only paid property taxes on some parcels through my escrow account, leaving others unpaid for several years. 

Timeline : Original servicer : Caliber Home Loans Mortgage transferred to : NewRez LLC Issue discovered : XXXX XXXX  Years of unpaid taxes accrued : XXXX Current escrow shortage : {$31000.00} The Problem : 1. NewRez failed to conduct proper due diligence when acquiring my loan to identify all tax parcels 2. NewRez failed to monitor and pay all required property taxes despite collecting escrow funds 3. This error went undetected by NewRez for 2 years until I discovered and reported it 4. NewRez is now requiring me to repay the entire shortage over 12 months, effectively doubling my monthly mortgage payment. 

Why This is Unfair : This financial hardship was created entirely by NewRezs negligence, not by any action or omission on my part. I have consistently paid my mortgage as agreed. NewRezs failure to properly service my escrow account has now created an impossible financial situation where I am expected to absorb their multi-year error in a single year. 

WhatIm Requesting : 1. An extended repayment period 3-5 years to make the shortage manageable 2. Waiver of any late fees or penalties associated with the unpaid tax parcels 3. Written confirmation that this issue will not negatively impact my credit I have been a responsible borrower and should not be penalized for my mortgage servicers failure to properly manage my escrow account. 

Desired settlement : Billing adjustment

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 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
We moved out during XXXX, they've been harassing us since with no proof. Just receipts claiming we owe 3-4 different amounts of money since then in XXXX sent a settlement offer claiming we could take it by XX/XX/XXXX. They've now reported us anyway to Columbia Debt Recovery LLC, dba Genesis well before the date trying to damage our credit. I'm asking for a dispute on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Approximately XXXX months ago, I authorized a transaction through American Express for a service/product that was not delivered as agreed. I received only a partial service/product, which does not match the terms or representations made at the time of purchase. 

I contacted American Express to resolve the issue and requested assistance in obtaining completion of the service or a partial refund reflecting what was not delivered. Despite my efforts, the matter was not adequately resolved. 

I am requesting an appropriate refund for the portion of the service/product that was not provided, or another fair resolution consistent with the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
Company name : Jefferson Capital Systems LLC Issue : Incorrect information on credit report Product : Credit reporting / Debt collection Complaint details : Jefferson Capital Systems LLC is reporting the same collection account twice on my XXXX  credit report. 

Both tradelines list : The same collection agency ( Jefferson Capital Systems LLC ) The same balance of {$4700.00} The same open date of XX/XX/year> This is one debt being reported twice, which is inaccurate and misleading. The duplicate reporting is artificially inflating my debt ratio and causing credit damage.

Duplicate reporting of the same debt violates the Fair Credit Reporting Acts requirement that information be accurate and not misleading. This is not a case of a debt being sold or transferred it is the same collector duplicating the same account.

I am requesting immediate deletion of the duplicate tradeline and written confirmation that my credit report has been corrected.

Duplicate reporting Artificial inflation of debt ratio FCRA 1681 accuracy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I got a XXXX business account in XX/XX/year> which included a bundle that contained an XXXX, XXXX, XXXX XXXX, and landline office phone. I also got their internet service. The problem is, the associate lied to me about the internet speed. He said the speed was 1gb but when I tried it, it only went up to 25mbps which was too slow, so I cancelled the internet service after one day. When I cancelled the internet, the store associate said I had to send the internet gateway back to the XXXX warehouse and in order to do that, I had to request a shipping kit from customer service over the phone, which I did several times, but I never received the shipping kit. Since I still had the gateway, they were charging me for the internet service PLUS late fees, even though I already cancelled the service and wasnt using it at all. When I went back to the XXXX store I talked to a different associate and he told me they dont send shipping kits anymore and I could just take the internet gateway to XXXX  and they will ship it back to the warehouse. So I did that, I got a receipt and everything, and they continue to charge me for the internet because theyre records show that they never received the internet gateway at the it warehouse. Mind you, my bill is only supposed to be {$120.00} a month. By now my bill is over {$500.00}, I have made multiple calls and attempts to get this corrected, they told me they were going to lower my bill after I made a payment, when I made the payment, they cut off my phone. So I went with a new carrier which is XXXX XXXX XXXX because I refuse to give them anymore money and I cant be without a phone because I need it for work. I have overpaid on my bill multiple times while trying to get this problem fixed and Im not giving them another dime! So now that I stopped paying, they sent me to collections and theyre trying to make me pay over {$1000.00} for the phone, watch, XXXX, and landline bundle which was advertised as free. I realize now that the whole thing is a big scam to get me to pay for the items in the bundle. Also, the XXXX store that I went to was not an actual corporate store, it is a third party owned by a company called XXXX, which has several reports of fraud. I have been dealing with this problem for over a year! I called customer service multiple times, they tell me its resolved, and then I get another high bill. That has been the pattern this whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
My name is XXXX XXXX. I opened a personal Venmo account over one year ago with no issues. At a later time, I attached a business profile to the same account, which is a standard and permitted Venmo feature. 

I am a sole proprietor and legally used my Social Security number. I do not have an LLC, and I did not sell goods or services through Venmo. I clearly informed Venmo that I do not have a business license because there was no commercial activity. 

The transactions on my account consist only of legitimate personal activity, including funds transferred from my own personal bank accounts and personal transfers or loans between friends and family. There is no illegal, fraudulent, or prohibited activity. 

Venmo requested identity verification, and I fully complied by submitting my drivers license ( front and back ). Despite this, Venmo has frozen my account and is holding {$180.00} for over 30 days. 

Venmo has not provided any written explanation, policy citation, timeline, or option to withdraw or return my funds, and they have stopped responding to my communications. 

I am requesting immediate release or return of my funds and written confirmation that the account review has been completed. Holding my money indefinitely without explanation is unreasonable and causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Unauthorized payments on card And interest rates are too high hard to pay off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a text from My Full Wallet that : Great news. Your loan with My Full Wallet is 100 % approved and ready for funding today. The only step left is a quick verbal verification to prevent fraud. Please call XXXX immediately so we can release your funds today. 
To opt-out reply STOP I call the number from my other phone and spoke with a young lady and she told me that I would be paying {$170.00} every two weeks until I paid {$650.00}. Well, my first payment was due XX/XX/XXXX and {$170.00} was taken out my account. My next payment was instead of {$170.00} being taken out of my account {$170.00} was taken out of my account that was on XX/XX/XXXX, XXXX that was not {$170.00} like the young lady told me. I went on their website and looked at my account and its telling me that {$160.00} will be taken out on my next payday thats more than {$650.00}. So then I proceed to look at my whole account and realize that only {$10.00} of what I have been paying has been going towards my loan. However, they boost my loan amount to XXXX and I have an available balance of {$180.00} that I can withdraw. This is very misleading and it is not a short term payday loan if I pay this loan until XX/XX/XXXX, I will be paying closest to {$6000.00} to this company for a {$550.00} loan. If I knew what I knew now I would never signed up and it sounds like fraud and a scam to me. I did not speak with anyone from the company about the matter because if she already misled me, I can only imagine what the next rep. may tell me.

Company response to consumer: Closed with explanation