vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
On XXXX, XXXX, I initiated an international money transfer of {$5500.00} using ABOUND mobile application ( joinabound.com ) from my XXXXXXXX XXXX account to a beneficiary bank account in XXXX. The remittance service is provieded through Abound, and I am filling this complaint regarding failure to deliver my transferred funds. The transfter was expected to be completed with itn the timeline showin in the application. However, as of XXXX XXXX XXXX the funds have not been credited to the beneficiary aaccount, despite the transaction stays is shown Delivered in the Abound app. I have followed up multiple times with the company 's customer support and provided all the documents including my bank statements confirming that the funds were never received by the beneficiary. Despite repeated escalations, I have only received assurances citing " banking partner issues. '' along with multiple extended timelines of 3-5 business days none of them honored. The company continues to display incorrect transaction status while failing to provide : 1. Confirmation of the actual receiving bank 2. Proof of successful credit, 3. Accurate transfer completion details, or A definitive resolution date. This prolonged delay has caused financial harship, penalties, and significant emotional distress, as there funds were intended for urgent family finanical obligations. The lack of trasparency, repeated missed timlines, and failure to deliver transferred funds raise serious concerns regarding handling of consumer remittance transactions. I am requesting CFPB assistance to ensure immediate delivery of the funds or reversal of the transaction back to my source account, along with clear explanation of why the transaction was marked as settled when no funds were received. Transaction initiated Date : XXXX Transaction Id : XXXX Amount : XXXX USD

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: MS

Complaint narrative:
On XXXX XXXX XXXX I initiated a {$1200.00} international money transfer to XXXX through the Abound ( XXXX XXXX XXXX ) app ( Transaction ID : XXXX ), which initially committed delivery within approximately 3 days. However, the status was later changed, and on XXXX XXXX XXXX, the app marked the transaction as Delivered, even though the funds were never received in the destination account. Despite multiple emails and in-app support requests over more than a week, the business has not provided any meaningful response or resolution. I also contacted the company via XXXX XXXX XXXX XXXX ; they replied asking me to connect through direct messages, but their account settings do not permit me to send a DM, leaving me without a viable support channel. The nature of this dispute is non-delivery of paid financial services, lack of customer support, and failure to provide proof of transfer ( such as a UTR number ) or a refund. I am seeking confirmation of the transfer with valid proof and credit to the intended account, or a full refund of the {$1200.00}. I have bank statement as well, it has personal information. I will provide that on further request. Sender US Account Number : XXXX Recipient Account Number : XXXX Recipient Name : XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC
State: ID

Complaint narrative:
I am disputing a charge of {$800.00} from Credit Sage for services that were misrepresented at the time of sale. I was led to believe that this company would assist with debt settlement and reduction of my outstanding balances. Company uses debt collector company name on web browser. However, after payment, l discovered that the service provided was only credit repair ( disputing items on my credit report ), which is not what was explained to me before I agreed to pay. This constitutes a service that was not delivered as described and misleading sales practices. Had I been accurately informed, I would not have agreed to or paid for this service. I attempted to resolve this directly with the company by requesting cancellation and a refund, but the service does not match what was promised. I am requesting a full chargeback due to misrepresentation and services not rendered as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
In XX/XX/XXXX, I received a business card that was in my door frame. I called the number on the card and was told that I was being evicted due to non-payment of rent. At the time, my balance was {$2900.00}, keep that in mind still. I went to court on XX/XX/XXXX and spoke with the attorney that was representing XXXX XXXX. He asked my mother and I if I could go ahead and pay the balance. I did not have the money at the time due to XXXX affecting job opportunities. I told him I couldn't pay it right then, so he said to set up a payment plan after I moved out, I had 10 days to move out. On XX/XX/XXXX. I moved everything out of the apartment as I was told. I attempted to return my keys, but there was not anyone at the office. There was never anyone in the office during my stay at XXXX XXXX. I then sent multiple emails and attempted phone calls to inform them that I had moved out as instructed and was trying to return my keys. I never heard anything back until in XX/XX/XXXX, I received a final account statement email stating that I owed {$8500.00} which was highly incorrect. They labeled my move out date as XX/XX/XXXX, when I moved out months before in XXXX as I was told. I reached out to them again stating that the move out date and balance was incorrect but they did not respond. I reached out over and over still and I finally received a response telling me to reach out to the collections agency since it was now in collections. They charged me with wear and tear charges that was not apart of the lease. It is now XX/XX/XXXX and I have done everything in my power to either have this information corrected or completely removed as it has been incorrect for going on 4 years now and no one has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: AZ

Complaint narrative:
I Tried sending a remittance from the US to XXXX through Abound app by XXXX XXXX XXXX. its been almost 25 days with no resolution. Absolutely pathetic app and shockingly poor service. Zero accountability, zero support. The funds were supposed to be delivered by XX/XX/XXXX week. Then they told me it would be delivered by XX/XX/XXXX which again is a lie. I tried tagging them in social media and escalate issue on app. I get the response once in a Blue moon. It's now been a month. The status changed from Processing to Delivered but I did not receive any funds. I saw XXXX 's of other people with the same complaints on social media. It is not a mistake but an intentional scam this application is doing. Please act fast!!

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 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: AR

Complaint narrative:
Subject : CFPB Complaint Improper Verification and Inaccurate Reporting of Collection Account I am filing this complaint regarding Synergetic Communication and the inaccurate reporting of a collection account in the amount of {$4800.00} ( Account # XXXX ). I previously disputed this account with the credit bureau because it is inaccurate and/or unverified. Despite my dispute, the account was verified and remains on my credit report. I have requested proper validation and documentation supporting the debt, including a signed lease, itemized accounting ledger, and proof of legal authority to collect. To date, I have not received sufficient documentation proving that this debt is accurate or legally enforceable. If this account was verified without review of underlying documentation and merely through automated confirmation, that does not constitute a reasonable investigation. I am requesting : Immediate deletion of this account from all credit reporting agencies if proper documentation can not be produced Proof of the documentation used to verify this debt Confirmation of the date of first delinquency This inaccurate reporting is negatively impacting my credit profile and financial standing. I respectfully request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I am filing a complaint against Caine & Weiner regarding improper debt collection and inaccurate credit reporting. Caine & Weiner is attempting to collect {$690.00} allegedly owed to XXXX XXXX XXXX XXXX under policy number XXXX. The policy was cancelled XX/XX/year>. The collector has reported this account to the credit bureaus without providing proper validation of the debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The information being reported is incomplete and inaccurate. The collector has not provided : A signed insurance contract. A detailed earned premium calculation. Proof of legal authority to collect. Proper verification of the date of first delinquency. Despite the lack of proper validation, the account is now damaging my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information and conduct a reasonable investigation upon dispute. I request : Immediate investigation of this account. Removal of inaccurate credit reporting if the collector can not provide full documentary validation. Written confirmation of the investigation results. This matter is affecting my credit standing and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My loan was originally granted through XXXX XXXX in XXXX of XXXX. In XXXX the loan was sold off to Shellpoint ( New Rez Inc ). My property taxes ( first half ) were due in by XXXX XX/XX/XXXX ; which I paid ( {$2900.00} ). So those were paid before Shellpoint even serviced the loan. Second half taxes were due XXXX XX/XX/XXXX. During a routine search on XXXX XXXX ( WA ) XXXX XXXX on this years taxes, I discovered the XXXX taxes had not been paid as of XXXX XX/XX/XXXX. I then paid those taxes ( XXXX + XXXX in interest penalty ). I have receipts for both payments to county, confirmed by the XXXX XXXX Treasurers office. Shellpoint has done an " escrow analysis '' and is attempting to raise my mortgage for the shortfall of XXXX based on unpaid taxes. XXXX XXXX confirms no payments made by Shellpoint at all during XXXX. Notice of Error filed via registered mail to Shellpoint with no change to proposed increase of XXXX a month to XXXX. I have paid my insurance out of pocket as well. Requested deletion of XXXX account or at least a correct XXXX analysis which has been denied twice via form letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Theres collection accounts thats on my credit report that do not belong to me and it is not fair for me to have collections accounts thats not mine, on my credit report keeping me from getting approved! So can you please provide debt validation and matching Social Security number to prove to me that these my collections accounts. If that information cant be provided PLEASE remove them collections accounts off my credit report. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ENCLOSED ATTACHMENT REFLECTS A FORMAL INTENT TO FILE A SUIT AGAINST EXPERIAN CREDIT BUREAU WITH SUPPORT OF PREVIOUS FINDINGS FROM THE CFPB AND FAILURE TO PROPERLY VALIDATE THE DEBTS FOR THE FOLLOWING CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. we asking for full transparency or removal of these creditors asap permanently from this file.

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 2026-02-24 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: Chime Financial Inc
State: WI

Complaint narrative:
XXXXXXXX Merchant Initiate /process refund to chime - XX/XX/year> Contacted chime about refund confirmed that it was posted and then claimed to be reversed by XXXXXXXX XXXX XXXX XXXXXXXX Confirmed by XXXX that there has been a refund initiated on XXXX XXXX XXXX that there was No reversal In there history. I refuses to give XXXX number for transaction refunded that was reversed and for original transaction. Screenshot confirming that it was posted and reversed then screenshot explaining that it wasnt posted all the way and no history of XXXX numbers or refund amount claims it is on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint narrative:
Please see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
To Whom It May Concern : I am writing to formally appeal the denial of my fraud dispute regarding three XXXX transactions totaling {$3000.00}. These funds were sent under false pretenses as a result of a sophisticated scam involving a hacked XXXX account belonging to a personal friend. On XX/XX/XXXX, I responded to a post regarding an estate sale for a friends relative. The scammer, posing as my friend, directed me to send three separate payments of {$1000.00} via XXXX. During the process, the individual used emotional manipulationincluding sending photos of an XXXX man in a XXXX explain why they could not speak on the phone. When the individual became pushy and requested XXXX gift cards, I grew suspicious. I later confirmed through the account holder 's ex-wife that the account had indeed been hacked. I made several immediate attempts to stop these transactions : - Sunday, XX/XX/XXXX : I contacted Truist and XXXX immediately, but was told no action could be taken until the transactions cleared. - Monday, XX/XX/XXXX : I called Truist again first thing in the morning and was told I had to wait for the transactions to post before filing a dispute. - Subsequent Actions : I filed a dispute as soon as the charges posted. After an initial denial, I attempted to file a second dispute and a formal complaint against the bank for the lack of assistance provided when I first reported the fraud while the transactions were still pending. Despite providing comprehensive documentationincluding screenshots of the entire conversation with the scammer and confirmation of the hacked accountTruist denied my claim on the grounds that I authorized the transfer. I wish to contest this decision. While I initiated the transfers, I did so under the fraudulent impression that I was interacting with a trusted contact. Furthermore, I attempted to intervene before the funds were fully processed, but was not given the necessary support by the bank to do so. I request a thorough re-evaluation of this case. Please let me know if any further information is required to resolve this matter.

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 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
So I went to the hospital on XX/XX/XXXX. After my hospital stay, I got XXXX bills XXXX from the hospital and another from XXXX it was confusing because it wasnt like a normal bill and it was billed to the wrong insurance. I tried to call, but there was seriously not a way to talk to a human being only an AI robot that would not respond to my questions about insurance or an itemized bill. There was only XXXX number to call and you could seriously not reach a human being. Only the AI bought. So I wrote them a letter saying that I requested an itemized bill as I know is my right and letting them know that they build the wrong insurance. I didnt receive a response but they sent me to collections anyway, when I called the collections number and told them the bill was for they told me they had no information and hung up on me so now Im left with this bill where I cant reach them, I cant reach the collection agency about it, and they keep calling me multiple times a week and sending me emails and texts and letters about it. Even though the collection agency calls when I answer, they tell me to wait for a representative and before I can talk to XXXX I have to tell them who the bill is for and when I do, they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
In XXXX of XXXX, I took out a loan and I lost my source of income so I wasn't able to pay off loan. In XXXX of XXXX I started back receiving my income and I thought loan was repaid, on XXXX XXXX I received a direct deposit on which Chime decided to take repayment for the loan. I contacted them and asked why repayment wasn't taken back in XX/XX/year>, they told me it wasn't in my account when the money has been in my account on several occasions. My was taken out without my consent and it was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems stated in its response that it was unable to identify or confirm a specific account belonging to me. However, this account continues to report on my credit file under account number XXXX with a balance of XXXX. If the company can not locate or confirm this account within its own internal records, then it does not have a permissible purpose under 15 U.S.C. 1681b to furnish information to consumer reporting agencies. Reporting information that can not be verified violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which requires a reasonable investigation before furnishing or verifying disputed information. Additionally, furnishers are required to report in compliance with the XXXX XXXX XXXX XXXX XXXX XXXX standards. If Southwest Credit Systems can not identify this account in its system, it can not certify that the data being furnished meets XXXX XXXX accuracy and integrity requirements. Continuing to report an account that can not be validated internally raises serious concerns regarding data integrity and compliance. The companys response directly contradicts the active reporting currently reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
In XX/XX/year>, I purchased a solar system sold by XXXX and installed by XXXX XXXX XXXX. The system was financed through Mosaic. At the time of sale, I was retired and receiving income primarily from Social Security, VA XXXX benefits, and retirement income. The salesperson, XXXX XXXX of XXXX, was aware that I was retired. During the sales process, I was told that I would receive a guaranteed federal solar tax credit of approximately {$14000.00} and that my monthly payment would remain approximately {$160.00} after applying that amount to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I closed on a home at XXXX XXXX XXXX. Rocket Mortgage in the Mortgage company. They were supposed to pay county and city property tax out of escrow after closing and they refused to do so. I asked them in XXXX and again in XXXX to pay. They continued to ignore my requests. I had to pay the taxes out of my own account. They have not yet confirmed they are reimbursing me.

Company response to consumer: Closed with explanation