vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent money to XXXX XXXX through XXXX. The website stated that the money would be transferred within XXXX hours, but the funds were never deposited. This happened on Wednesday. On Thursday, I contacted them by email and phone. They told me there were technical issues and that the transfer would be completed shortly, but nothing happened. After that, I requested that the money be refunded, since it has been held since Wednesday. However, I have not received any response. It has now been more than XXXX days, and the money has not been transferred to the recipients account, nor has it been returned to me. They are also not responding to my messages anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
I closed on my house on XXXX XXXX XXXX and paid my XXXX payments ahead of time to CMG mortgage. They sold the loan to click and close. I have told the new company that my payment due date is wrong and provided screen shots multiple times. They have not corrected a thing. My next due date ought to be XX/XX/year> not XX/XX/year>. I've mailed the XXXX payment to them XXXX weeks ago and that isn't applied. Cmg shows that they sent the escrow and payments to click and close. I feel like they have XXXX interest in fixing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
On or about XX/XX/year>, a representative of Harris & Harris XXXX Ltd. contacted my wife by telephone attempting to collect an alleged XXXX debt on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ). The alleged balance being demanded was approximately {$11000.00} {$12000.00}. Harris & Harris has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : XXXX. Failed to send a written debt validation notice within 5 days of first contact as required by XXXX XXXX. XXXX ( a ). We have never received any written communication from Harris & Harris. XXXX. Continued collection activity including a harassing phone call to my wife without providing written validation of the debt. XXXX. XXXX XXXX XXXX XXXX XXXX never sent us a bill for this account prior to placing it with Harris & Harris. We were never notified of the debt in writing by either XXXX or Harris & Harris before the collection call. We are actively disputing this debt. The account was never processed through our XXXX XXXX plan, XXXX XXXX, which was active at the time of service. We are currently working directly with XXXX to obtain an itemized bill and process the account properly. I am requesting that Harris & Harris immediately cease all collection activity, provide written validation of the alleged debt, and return the account to XXXX for direct resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been a capital one credit card customer for a long time. Last month I upgraded to Capital one XXXX XXXX to venture with an annual fee. And when I saw they started charging me interest fee after I paid off my monthly amount. I decided to down grade back to XXXX XXXX, so I don't have to pay the monthly fee. When I called them to do that the customer service agent said yes, you could do that without getting any problems with your credit score going down. I double checked with her about this information with her three times. Then I decided to downgrade my credit card. But they didn't cancel my Capital one venture card, so they could still charge me annual fee. I found out this month and called again to stop my XXXX card. And now my credit card went down XXXX points. They lied to me about downgrading my credit card and still kept the account I cancelled open to charge me. And lied to me about the credit score not getting affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am submitting this complaint regarding the handling of a dispute connected to my Chime account. An unauthorized transaction in the amount of {$79.00} was reported on my account. I immediately opened a dispute and provided documentation supporting my claim, including my work schedule, text message records, and a police report confirming that I did not authorize the charge. Despite submitting this evidence, Chime denied my dispute without providing a sufficient explanation of their investigation. When I contacted customer service to escalate the issue, I experienced extremely poor treatment, including being hung up on by XXXX different supervisors. I was also informed that I would not be allowed to appeal the decision after explaining that I intended to pursue legal action. Preventing a customer from appealing a dispute raises serious concerns about how this matter was investigated. I work XXXX shifts and live with a XXXX XXXX. Being forced to repeatedly fight to correct a fraudulent transaction has caused unnecessary physical and mental stress. Because my account services are issued through your institution, I am requesting that this complaint be reviewed and that the dispute be reinvestigated to ensure proper consumer protection standards were followed. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was discharged in XXXX our XX/XX/2025 an I ask for it to be removed from my account Additional information provided by consumer : XXXX The consumer would like to send the complaint to the credit bureaus, TransUnion. this is in regards to a bankruptcy that was discharged In XX/XX/2025.

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 non-monetary relief
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Approximately XX/XX/year>, i was required to pay XXXX XXXX $ for a debt claim by XXXX XXXX XXXX, company that was not correct because i paid the XXXX months fine charged as requested, before to leaving. Then i paid the {$700.00} to the national debt collector about the same issue, they send me a letter but still keeping my credit history as unpaid. yesterday i was inform by one of the apartment why my application keep denied, the mention that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DSR HOLDINGS GROUP, LLC
State: KS

Complaint narrative:
b'I did not receive any letter from them, but straight phone call, and text messages. I started making payments but everytime I asked for my receipt. They are not available. They keep calling and texting in different numbers. They called themselves MLS group. And the party that I owed called flex shopper.\n\n just a quick reminder that your payment is due in our office today for XXXX XXXX in the amount of $XXXXPlease let us know when we can run payment thank you.\n\n\nThis is one of the messages \XXXXBefore I finished paying. I feel uncomfortable now because they kept calling on different numbers.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Delete this account on my credit report I have no idea or knowledge about this collection on my last apartment property when I already paid my last month rent and give them XXXX notice about me not renewing my lease on date XX/XX/XXXX and on XX/XX/XXXX they send an email approximately at XXXX stating that Just confirmed, your account is balanced with XXXX outstanding charges. on my rent that I dont own anything but a month later on XX/XX/XXXX they file an wrongful collection under my name when I do not own anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX amount was approximately XXXX XXXXXXXX And I have tried disputing this as not my debt and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I had 5 stolen money orders. XX/XX/XXXX for {$380.00} XX/XX/XXXX for {$380.00} XX/XX/XXXX for {$420.00} XX/XX/XXXX for {$420.00} XX/XX/XXXX for {$420.00} I requested to track XXXX and XX/XX/XXXX I sent in two {$15.00} for each money order and never received any information if the money orders were cashed but never received any information. I requested to track the two {$15.00} money orders that I sent to track for XXXX and XX/XX/XXXX never receive any information. ( so first set of money orders was to track XXXX XXXX and the second set of money orders was to track the money orders I sent. ) Western Union asked me to file an affidavit at the management office signed and notarized. I sent what they required plus police report this was as of XXXX XXXX. I spoke to someone on XX/XX/XXXX of XXXX. I was finally giving a case number # XXXX. XXXX XXXX said she will reimbursement me for the last two money orders I have requested, but never got anything as of yet I have not heard from Western Union And all Ive gotten is the runaround. Western Union XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I am filing a complaint regarding Credence Resource Management. This company reported a collection account to my credit report. I disputed the account and also sent a certified written request for debt validation which was delivered on XX/XX/year>. It has now been several weeks and the company has failed to provide any documentation proving that I owe this debt. Despite this, the collection account continues to be reported on my XXXX credit report. I am requesting that the company either provide proper validation of the debt or remove the collection account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have had student loan since XXXX and they have always gone through the federal system so it was direct loans, XXXX, XXXX, etc. and they had a balance stated was over {$300000.00} that I owed and I didnt even take out {$100000.00} so they more than double inflated what I owed or triple inflated what I owed and I never saw any really from that and Ive been in public service for nearly XXXX decades in my credit has been bad because of what they have done

Company response to consumer: Untimely response
Consumer complaint received 2026-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX This relates to my previous complaint Senator XXXX XXXX 's office in XXXX agreed to help me ( XXXX ) re- connect with my monthly XXXX payments that were stopped when XXXX XXXX XXXX closed my account. A letter dated XX/XX/XXXX : from XXXX stated {$55000.00} would be deposited and monthly payments would begin at Chase Bank. Due to becoming XXXX, I have been unable to check my account. I received XXXX statement in XX/XX/XXXX that showed no deposit. I do not know if the money has been deposited or if the money is otherwise being drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent {$1500.00} through Zelle to an individual under the name XXXX XXXX on XXXX who offered music promotion services for my song online. The individual promised to promote my music on his platforms. After receiving the payment, he stopped responding to my messages and never delivered any promotion or proof of work. I requested a refund because the service was never provided, but he ignored me. I later discovered that multiple other artists reported being scammed by this same individual in the exact same way : he promises music promotion services, collects payment, and then disappears without delivering anything. I reported the fraud to my bank and filed disputes, but my claim was denied three times because the payment was authorized. The payment was authorized based on fraudulent misrepresentation for services that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Acorns Grow Incorporated
State: KS

Complaint narrative:
I notified Acorn on the XXXX of XXXX and told them to close the account immediately I'm not using it the Account the took money on the XXXX XXXX I contacted my bank and did a dispute XXXX and now XXXX XXXX i would like to have a complaint to stop them from going in my account without my permission I have called them and emailed them 6 times I need this to stop immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I opened a XXXX XXXX account in XXXX of XXXX and the monthly bill was always more than the amount discussed at the time it was opened. My bill increased every month and when I would call to ask XXXX about the reason why, the representatives could never sufficiently explain to me why the bill was increasing. I requested for the services to be terminated in XXXX of XXXX because of the price increases that never ended. I never received a bill or any notice in writing validating the amount of debt showing on this account. Additionally, I do not see documentation showing a valid contract or agreement establishing my responsibility for this balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
My way2goXXXX XXXX XXXX is not allowing me to make any purchases at all. I called and theres no customer service only dispute and they informed me that my way2goXXXX was not locked or blocked. I have a family to take care of and its putting me in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
When I opened a XXXX XXXX credit card through Synchrony Bank, I was only told about a temporary zero-interest promotional period. At no point was I informed that the interest rate could later jump to more than 32 %. I later made additional purchases with different promotional expiration dates, but the payment system never allowed me to direct payments toward the balances that were about to expire first. The online portal makes it nearly impossible to understand how payments are applied. Because of this, I am now being charged extremely high interest that I had no clear way to prevent and no realistic ability to pay down effectively.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT CALLERS INC
State: MS

Complaint narrative:
Contract Callers Inc sent sensitive information to someone that was not me nor had approval to do so by myself. They emailed this information to include who the debt was owed to, how much, account number, and full name. XXXX also keeps sending mass text to other people that is not myself regarding this debt. This debt has yet to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In early XXXX, I purchased a mattress from Mattress Firm for {$1300.00}. The store employee set up my Synchrony account in-store and verbally told me this was an interest-free promotional payment plan I was never told I had to pay the full balance by a specific date or all deferred interest would be charged back. I never set up online account access since everything was handled in-store. I only received monthly email statements showing my balance and minimum payment due. I made every payment on time for 2 years, bringing my balance down to {$560.00} as of XX/XX/XXXX. Then on XX/XX/XXXX, without any warning, my balance jumped from {$560.00} to over {$1300.00}. I made two additional payments of {$48.00} and {$47.00} since XXXX, so my true principal balance remaining should be {$470.00}. Synchrony back-charged approximately 2 years of deferred interest because I did not pay the full balance within the promotional period a condition that was never clearly communicated to me at the time of purchase or in any of my monthly statements. I called Synchrony to dispute this and requested a waiver of the interest charges. They refused. Additionally, I never received my physical card in the mail and only reported it stolen recently when this issue came up. As a result, I was never able to access my online account to view detailed statements. I relied solely on the monthly email summaries which only showed my balance and minimum payment due they never clearly indicated a promotional expiration date or the consequences of not paying the full balance by that date. Note : I can not enter account number because I dont have the card or never saw statement. The last 4 digit of the card number is provided.

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 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
Formal Complaint - Violation of XXXX Lending Act ( XXXX ) and 36 % MAPR Cap Borrower Names : XXXX XXXX ( 100 % XXXX Veteran ) & XXXX XXXX ( XXXX Dependent ) Lender : EZPAWN / EZCORP , Inc . Detailed Description of Complaint : I am a covered borrower under the Military Lending Act ( XXXX ) ( XXXX XXXX. XXXX ). I am a 100 % XXXX Veteran, and my husband, XXXX XXXX, is a XXXX XXXX. Since 2012, EZPAWN has issued multiple consumer credit loans ( pawn loans ) to us. Upon review, these loans carry an APR significantly higher than the 36 % Military Annual Percentage Rate ( MAPR ) limit allowed by federal law. Under the MLA, any credit contract that exceeds the 36 % MAPR for a covered borrower is void from inception. Despite being notified of our status and the illegal nature of these contracts, EZPAWN @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX Cash Pawn @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX @ XXXX XXXX XXXX continues to demand " extension '' payments and interest that exceed federal caps. This is causing us severe financial hardship. I am requesting the following resolutions : Immediate Cease and Desist : XXXX, XXXX XXXX and XXXX must stop collecting interest, fees, or " extensions '' on all active loans immediately. Full Audit & Refund : A complete audit of all loans issued since 2012 and a full refund of all interest and fees paid on these void contracts. Return of Property : The immediate release of all collateral ( XXXX XXXX XXXX XXXX ) held by XXXX / XXXX XXXX XXXX and XXXX under our IDs without further payment, as the underlying contracts are legally void. We have already sent a formal demand to the shop and the XXXX XXXX, but the high payments are continuing, and we require federal intervention to stop this predatory and illegal lending practice.

Company response to consumer: Closed with explanation