vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: OK

Complaint narrative:
Last Friday I realized XXXX has frozen my account where I had just placed my rentpayment of {$650.00} for safe keeping until my landlord retrieves it through the XXXX routing number. I called them Friday and everyday after sent my selfies Drivers license and much more to prove my identity but to know avail. Come XXXX find out my account had been hacked and the woman who did it tried to run a {$1000.00} thru on my account. But the thing is she did bot succeed in doing do so no money was ever taken out of my XXXX. Except for well ya know XXXX is keeping me from my own money and if I don't pay my rent that way past due now I'll be XXXX XXXX gon na put me up?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XX/XX/XXXX sunrise credit service contacted me twice after I formally requested a debt validation and they have contacted me several times after the first time I responded to their text about debt validation and I have also sent a formal letter of requesting debt validation they will not stop calling or harassing me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against LVNV Funding LLC for improper legal action, failure of service, and illegal wage garnishment. 

LVNV Funding LLC filed a lawsuit against me ; however, I was never properly served with any summons or complaint. I had no notice of the lawsuit and no opportunity to appear in court, respond, or defend myself. Despite this lack of service, LVNV Funding proceeded to obtain a judgment and initiated wage garnishment. 

On XX/XX/year>, LVNV Funding unlawfully garnished my wages in the amount of {$580.00}. This garnishment has caused significant financial hardship and distress. I believe this action violates my due process rights and constitutes an illegal garnishment because proper service was never completed.

Additionally, LVNV Fundings actions demonstrate abusive and unfair debt collection practices. Garnishing wages without lawful service is a serious violation, and I have been financially harmed as a result of their conduct.

I am requesting the following relief : 1. Immediate cessation of all wage garnishment activity. 
XXXX. Full reimbursement of the {$580.00} garnished on XX/XX/year>. 
XXXX. Compensation for the financial harm, stress, and disruption caused by these unlawful actions.

4. A full investigation into LVNV Funding LLCs debt collection and litigation practices.

I am prepared to provide any supporting documentation, including wage statements and employer records, to substantiate my claim. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding a peer-to-peer payment dispute for non-delivery of goods. 

On XX/XX/year>, I sent a payment of {$25.00} through Cash App using my debit card to purchase an item listed for sale. After the payment was sent, the seller stopped responding, never provided pickup or delivery information, and ultimately blocked me. The item was never received. 

I reported this issue to Cash App and followed their dispute process in good faith. On XX/XX/year>, Cash App denied reimbursement, stating they could not confirm the transaction was a scam, despite the clear non-delivery of goods. Cash App also states that disputes can take up to 10 business days to review, but no further investigation or communication occurred after the denial. 

The goods were never delivered, and Cash App failed to resolve the dispute or meaningfully investigate the non-delivery within their stated timeframe. I am requesting that this complaint be reviewed and that Cash App be required to address the non-delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized charge of {$2300.00} from XXXX XXXX XXXX XXXX posted to my Navy Federal credit card account XXXX. I did not authorize this transaction, did not make any purchase from this merchant, and have no knowledge of or relationship with XXXX XXXX  XXXX Tours. This appears to be fraudulent/unauthorized use of my card. 

I promptly contacted Navy Federal on XX/XX/XXXX, to dispute the charge as unauthorized. The issuer investigated, issued a temporary credit for the full amount, and I provided any requested information at that time. 

On XX/XX/XXXX, the issuer denied my dispute claim and reapplied the {$2300.00} charge to my account, reversing the temporary credit. 
I contacted the issuer again on XX/XX/XXXX, regarding the denial. They confirmed the claim was denied but stated I could submit an appeal. 

On XX/XX/XXXX, I submitted an appeal through the issuers mobile app. On XXXX XXXX, I received a confirmation message stating : Your appeal has been submitted for review ; it will be worked in the order in which it was received. Currently, there is no specific time period ; however, your appeal will be worked as swiftly as possible. Please note that provisional credit is not issued during the appeal process. If our review is ruled in your favor, any funds owed will be credited to your account. 

Despite my timely dispute ( well within the XXXX window under the Fair Credit Billing Act ) and the initial temporary credit, the issuer has not resolved this in my favor. I believe the denial was incorrect because the charge was truly unauthorized I have no records, receipts, or involvement with XXXX XXXX XXXX  Tours, and I have taken steps to secure my account ( e.g., monitoring for other fraud, changing passwords if applicable ).

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 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, we began working with XXXX XXXX. In XX/XX/XXXX, we were persuaded to add more panels based on a promise of 95100 % energy coverage and a {$17000.00} federal tax credit. XXXX failed to disclose that this credit required specific tax liability, creating an immediate financial gap. Following installation delays and premature billing from Sunlight Financial before the system was even active, performance declined steadily from XXXX onward. From XXXX to XX/XX/XXXX, the system failed completely ( we continued paying our solar loan payments ), producing XXXX energy. This led to astronomical utility costs and XXXX  'banked ' energy for winter, resulting in a {$390.00} electric bill in XX/XX/XXXX alone. We are now forced to pay {$600.00} XXXX XXXX  monthly between our solar loan and utility bills. Despite multiple attempts to resolve this, XXXX only provided a {$680.00} reimbursementless than XXXX months worth of our total costs. This has caused extreme debt and severe emotional strain. We were sold a savings solution that has become a predatory financial burden. We demand an immediate professional inspection and repair to meet the 100 % coverage guarantee. We request a cancellation of our contract and full reimbursement for our financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
CFPB Complaint Narrative Denial of Access to Provisional Credit During Card Reissuance Company : Foris , Inc. ( Program Manager for Crypto.com Prepaid XXXX  Card ) Product : Prepaid Card Complaint Narrative I am filing this complaint against Foris , Inc. regarding improper restriction of access to provisionally credited funds during a card reissuance following an unauthorized transaction dispute. 

After significant delay, Foris , Inc. finally opened my dispute and issued a provisional credit for unauthorized transactions on my Crypto.com Prepaid XXXX  Card. The funds are currently reflected in my card balance.

However, Foris , Inc. has now closed my existing card and initiated a reissuance, and during this process they are preventing me from accessing or using my provisionally credited funds in any way. I have been informed that : The funds can not be transferred to my USD account The funds can not be accessed digitally The funds can not be used until a new physical card is issued There is no specific timeframe for issuance I must wait potentially weeks to access funds that were already credited to me I requested a temporary or virtual card so I could access my funds during reissuance. This request was denied without legal justification.

Regulatory Violations XXXX. Regulation E 12 CFR 1005.11 ( c ) & ( d ) Once a financial institution issues provisional credit, it must ensure the consumer has full use of those funds pending the outcome of the investigation. Restricting access to provisionally credited funds defeats the purpose of provisional credit and constitutes a failure of meaningful access.

XXXX. Regulation E 12 CFR 1005.6 & 1005.11 Financial institutions may not impose unreasonable restrictions or delays that effectively deprive the consumer of access to funds they are legally entitled to use, especially after error resolution procedures have been triggered. 

XXXX. Unfair Acts or Practices ( CFPA 12 U.S.C. 5531 ) Issuing provisional credit and then immediately placing the funds in an inaccessible state during a card reissuancewithout offering a reasonable alternative such as a virtual card, temporary access, or transferconstitutes an unfair practice that causes substantial consumer harm. 



Additional Concerns The delay in access is particularly harmful because the funds represent reimbursement for unauthorized theft I have already waited several weeks for the dispute to be properly opened Foris , Inc. is charging a {$7.00} card reissuance fee while simultaneously preventing access to my own funds No disclosure in the Cardholder Agreement states that provisional credit may be rendered unusable during card replacement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I been with XXXX XXXX for many years before it was transfer to Carrington Mortgage with different loan number FHA. Carrington order some company to place a pad lock on my door with XXXX individuals was enter house putting all belonging outside when i was not aware, then collecting my money for mortgage payments and not applying it to mortgage record. Also i apply for loan modification with the help of legal aide but Carrington Mortgage missed place documentation and close my case. Then my Forbearance was approve by the FHA and Carrington didn't notified me about the approval, then place a foreclosure while under protection. The legal Aide Lawyer plan to presume this matter in court and law suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A business checking account was opened in person with Wells Fargo in XX/XX/year>. At the time the account was opened, a business check in the amount of {$18000.00} was deposited in person at the branch. The check cleared the following day. 

On the same day the check cleared, Wells Fargo restricted access to the account. The bank later notified me that the account would be closed later in XX/XX/year>. Despite the check having fully cleared, Wells Fargo has continued to hold the {$18000.00}. 

After the account restriction and closure notice, I contacted Wells Fargo multiple times to request release of the funds. Wells Fargo provided inconsistent explanations. I was instructed to have the check recalled, even though the issuing bank confirmed that a cleared check can not be recalled. Wells Fargo later stated in writing that a cashiers check had been mailed to me, which was not true. When I contacted Wells Fargos Loss Prevention department afterward, I was told the funds were still being held internally.

Wells Fargo also stated that it could not confirm that the person who opened the account was the same person who deposited the check, and that it could not confirm ownership of the business. This is incorrect. The account was opened in person, the check was deposited in person at the same branch, and identification was verified at account opening. Wells Fargo continues to use identifying information to authenticate me when I contact them. 

Notably, Wells Fargo returned a {$25.00} savings account opening deposit via money order, while continuing to withhold the {$18000.00} deposited into the business checking account, even though both accounts were opened in person using the same identity documentation. 

To date, Wells Fargo has not provided written notice explaining the legal basis for holding the {$18000.00}, how long the funds will be held, or what specific steps are required for release. No fraud allegation, competing ownership claim, or legal hold has been identified. Wells Fargo has indicated the funds may be sent to unclaimed property despite ongoing contact and dispute.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection activity regarding the above-referenced account. This letter constitutes a formal dispute of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
I dispute this account in its entirety. I do not acknowledge any liability for this alleged debt. 
Please provide competent evidence that establishes the following : Proof that I am the person legally obligated for this debt, including accurate identifying information used to associate this account with me ; The name of the original creditor, the original account number, and the date the account was opened ; The date of default and the date the debt became delinquent ; A complete itemization of the amount claimed to be owed, including the original balance, all interest, fees, payments, credits, or adjustments ; A copy of the original signed contract or service agreement creating the obligation ; Documentation proving your authority to collect and report this debt, including the full chain of assignment or bill of sale showing transfer of ownership or authorization ; and Proof of your permissible purpose under the FCRA to report this account to consumer reporting agencies. 
Please note that account statements, screenshots, or internal data summaries are not sufficient to constitute proper validation. 
Until the above documentation is provided, you are required to cease all collection activity and credit reporting related to this account. If you are unable to provide the requested validation, you must delete this account from all consumer reporting agencies to which you report and confirm deletion in writing. 
Any continued collection or reporting of this account without proper validation will be documented as a violation of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I hit a deposit of XXXX $ in my account, on XX/XX/XXXX, I spent XXXX XXXX on XXXX XXXX, upgrade bank put a hold on my account after I made a call asking if I could close my account, they told me to call them which I did, I called them and they told me to upload my id and a paper saying this is my account with my account number written on the paper and my face showing, I did that and its almost a month now, the suspension on my account hasnt been lifted after a lot of emails and calls. I believe I am being cheated on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Because I had several disputes with a company online ( XXXX ) there was executed a withdrawal of my paid off credit card of {$38.00} to secure that they had decided XXXX was in favor long before dispute was over. I wasnt even given a checkout cart or a total so I called and canceled the order and they said I could not because it had been shipped and as far as refunds I could only have in store credit. Feel Bank of America did not have my back after XXXX years of being a customer. It appears that there is no honesty amongst these types of purchases. I went there for XXXX T-shirt and was sent XXXX. Help!

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 2026-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Turnbull Law Group
State: MD

Complaint narrative:
I enrolled about $ XXXX worth of debt in XXXX. To date I have paid $ XXXX to the account and my debts still havent been settled in full. They charge all types of fees that were not disclosed upfront. Basically Ive wasted $ XXXX for no reason since Im still in debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX impossible to give specific dates - XXXX XXXX XXXX XXXX monthly payments were grossly overcharged. Escrow account has been incorrect since the inception of this loan and communication has been weak and Select has never provided the documentation they indicated they would. All Servicer did is ignore insurance premium proof and increase payment by XXXX %. After several calls to get competent review/explanation, I needed to remove escrow. The payment still stayed about XXXX %. I also requested to have XXXX canceled due to recurring errors and failure to address. 

I have been paying XXXX % more since month XXXX of this loans maturity. This erroneous service would put many americans into seriously delinquent status and make their home unaffordable. 

Because of the serious over charging, im due a significant refund of approximately XXXX due to the XXXX overcharge for these continued errors and misrepresentations I have also asked to removed XXXX Auto Pay so these unauthorized payments do not continue during wrongful payment collection. I have told these folks to stop taking these erroneous amounts out of my bank account numerous times. 

I want my over-chsrged escrow refunded to me immediately. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX, a rep from this company called to schedule a payment with me, although I'd already made a payment for {$45.00}. XXXX stated I had a fee charged to my account for a late payment and it would be credited by scheduling a payment for XX/XX/XXXX. I accepted and was assured I could make the payment earlier and could cancel the payment if I made it earlier. 
I paid on XX/XX/XXXX XXXX payment of XXXX and another payment of XXXX or XXXX also on XX/XX/XXXX and I canceled the XX/XX/XXXX payment on XX/XX/XXXX. Previously before scheduling a payment I could use my available funds in XXXX business days but this month my account was restricted, both of my payments were not applied to my account. I called a rep told me the my payments would be processed in XXXX business days and I can't access the account until XX/XX/XXXX and gave no real reason why. As I looked through my statements to understand their processing rules, I found that I was being billed for a credit protection program that I never requested. Also, those charged created overlimit charges because I have not been allowed to go over limit on this card. I called the card company, talks were disconnected when asking for a supervisor. I recorded the phone call on XX/XX/XXXX and a " supervisor '' XXXX, repeatedly talked over me, refused to help by questioning parts of my verbal statements, refused to issue credits or complete investigations, stating " he wouldn't do it even if I asked. '' After talking to him my access to the online site has been blocked and I'm still not able to use my credit card.

Company response to consumer: Closed with explanation