vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I ordered a portable drumkit advertised on XXXX by a company called XXXX. I used Affirm to pay for it in XXXX installments, with the first installment due at purchase. 
I later found the company was completely fraudulent. I never received the product, nor any notification that it was being sent to me. XXXX banned the company and its many aliases. I stopped payment on the remaining installments, and entered a dispute with Affirm. 
Now a debt collection company called XXXX is after the remaining payments amounting to {$66.00}. I disputed the debt with XXXX, explaining the fraud situation. They claim to have examined it, but all they did was look at their own records and send an email the next day saying basically " No you're wrong, you owe us {$66.00}. '' I told them I would never pay for a product I never received. 
They seem to be in cahoots with the made up company XXXX. Their website is at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AM A VICTIM OF IDENTITY THEFT, AND I AM THE BENEFICIARY OF THE ESTATE.AM HAVEING LARGE AMOUNTS OF DEPOSITED AND WITHDRAWS, TRANSFER THAT WAS NOT ME.THE BANK HAS NOT PROVIDE ME WITH IRREGLAR DEPOSITED OR TRANSFER OR WITHDRAWS ONLY THE BASIC PAPERWORK.I HAVE BEEN TO THE BANK 3 TIMES AND NOTHING.I HAVE MADE A POLICE REPORT.AND THEY TURN IT OVER TO FBI CRIME UNIT.

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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am filing this complaint against ALLY FINANCIAL for reporting unverifiable and potentially inaccurate late-payment history on my consumer credit file for Account No. XXXX covering the periods of XX/XX/XXXX through XXXX. Despite my written request dated XX/XX/XXXX, ALLY FINANCIAL has failed to provide proper verification demonstrating that the reported delinquencies accurately reflect its internal payment records or explaining how the alleged late status was calculated in relation to the account balance and status at the time. This failure violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and report only information that is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
Im trying to pay off my loan and the principal amount only but they are trying to make me pay a finance fee of {$110.00} for XXXX first in order to pay my remaining principal amount which is {$680.00}. Its XXXX and Ive already paid the finance fee and i shouldnt have to pay it twice bc I do not wish to carry the loan into next month. They are trying to make me pay {$800.00} when I just paid {$110.00} fee on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am submitting a complaint regarding XXXX ( a PayPal service ) permanently deactivating both my Personal Profile and Business Profile. XXXX email states my XXXX account is linked to XXXX or more PayPal accounts that currently have unresolved issues, and therefore my profiles were permanently deactivated. XXXX also states it will not divulge its decision making criteria. 

This action is causing financial harm because I rely on XXXX to send and receive payments, including business related transactions. XXXX  has not provided any actionable information to resolve the issue. They refuse to identify which PayPal account ( s ) they believe are linked ( even in masked form ), what the alleged unresolved issues are, or what steps I can take to cure the issue and request reinstatement. Without those basics, I can not verify whether XXXX records are accurate, fix the problem, or meaningfully appeal an extreme decision like permanent deactivation. 

I am not asking XXXX to disclose fraud detection methods. I am requesting a fair and workable process and an explanation sufficient to take corrective action.

Resolution requested : 1. Provide an actionable remediation and appeal path, including which PayPal account ( s ) are implicated ( masked identifier acceptable ), the general category of issue ( s ) ( for example : limitation, verification, negative balance, dispute, compliance hold ), and the exact steps needed to resolve them, followed by a documented review for reinstatement ; or 2. Reinstate my XXXX personal and business profiles if there is no valid basis for permanent deactivation. 

Please respond in writing with a clear explanation and next steps so I can resolve this promptly and restore normal access to payment services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, Chase Bank charged multiple overdraft fees totaling {$200.00}. A partial refund was issued, but further review has been denied, with the bank stating the fees are system-generated and can not be reversed. I am requesting a full courtesy reversal of the remaining overdraft fees due to financial hardship and holiday timing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascent Holding Co
State: IL

Complaint narrative:
I am currently enrolled at XXXX XXXX through XXXX XXXX 's private student loan since XXXX of 2025. The school advertised heavily about " job acceleration '', " career services that actually get you hired '', and implied partnerships with employers -- none of which exist, and even meeting regularly with a career coach has been impossible. Once inside, I realized that there was no actual job placement help. They give templates, and advice, and say " good luck ''. 

On top of that, their project review process is deliberately slow. Reviewers keep changing requirements after I submit, forcing endless revisions. This is burning through my XXXX week money back guarantee buffer. At this rate, I won't finish in time and they will demand full repayment -- even though the program failed to deliver what was promised. 

Since filing my initial complaint, the pattern of deceptive and delaying practices has continued. The same code reviewer ( XXXX XXXX ) has repeatedly provided directly contradictory feedback across multiple submissions on the same projectfirst instructing me to delete specific event listener code because it was 'already handled in the Popup class, ' then demanding I add it back, and later instructing me to delete it again while claiming it is redundant ( see attached screenshots ). Additionally, the reviewer has imposed new requirements not listed in the official project specifications, such as adding a favicon link to the HTML <head> and removing supposed 'hardcoding ' in a reusable class. These inconsistent, self-reversing, and unlisted demands have forced unnecessary revisions, significantly delaying project approval despite my timely submissions and directly threatening my ability to complete the program within the money-back guarantee period. This appears to be a deliberate strategy to prevent students from finishing on time and qualifying for refunds. Attached are screenshots of the contradictory reviewer feedback, project requirements showing no mention of favicon/hardcoding, and marketing materials implying job connections. 

For their money back guarantee, they say " Get hired or get refunded '' with conditions ( 10 months post-grad, active search ), but I am saying the delays are sabotaging it pre-gradthis is predatory in practice. 

Ascent lent to XXXX knowing full well the school used to partner with XXXX XXXX  -- who just got sued by CFPB for deceptive lending around boot camp placements. They switched lenders but kept the same scam marketing. 

I'm applying for XXXX XXXX. I have little to no way to repay the loan. Can't pay XXXX XXXX for nothing. They sold me a lie and Ascent funded it. Want my money back, or at least a loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: SC

Complaint narrative:
XXXX XXXX ( XXXX  ) customer service ( CS ) is blaming individual stores, XXXX XXXX, card terminals, etc.for why my physical debit card is now being declined everywhere. I can still use it online, so far, but am limited to XXXX or XXXX transactions every XXXX hours, regardless the amount- {$1.00} or {$300.00}. Automatic payments stll appear to work I had enough and opened a bank account, yesterday, at XXXXXXXX XXXX at XXXX. XXXX is forcing me to jump through hoops to transfer my balance to my new debit card Forced to email photos of front/back state ID, routing/account numbers, Account Agreement with new bank proving I have an account, photo of my new debit card CS said it'll take a 'few '' days to review then they'll email me if they approve allowing me to transfer XXXX XXXX They'll also charge me a fee for each transfer. 

My XXXX card has been declined at XXXX ( since XXXX ; CS blames fraud at XXXX ). Current payments are grandfathered ; won't allow any new purchases I'm limited to XXXX or XXXX transactions online every XXXX hours. Currently having to add XXXX to my XXXX debit card in small amounts to be able to access funds and transfer to my new bank. XXXX charges a fee for each transfer. 

XXXX has been an issue since day XXXX and needs to be cancelled from managing XXXX, etc. funds. All requested documents ( requested by XXXX  ) were emailed to XXXX XXXX transfer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am reporting unauthorized transactions that occurred on my PayPal Credit Card account while the card was not in my possession and had never been activated. A replacement card was issued and mailed to me, but unauthorized transactions occurred on XX/XX/XXXX and XX/XX/year> while the replacement card was still in transit. I did not activate the previous card or the replacement card, and I did not add either card to any digital wallet. 
Despite this, multiple unauthorized purchases were processed, and I received email alerts for transactions I did not make. I have not logged in to my account because I do not believe it is safe to do so until the company confirms the account is secured. Because of this, I can not verify which card number was used for the fraudulent activity and must rely on the company to provide accurate documentation. 
I am requesting that the company provide complete investigation records, including issuance dates, activation status, digitalwallet provisioning logs, and transaction logs for all card numbers associated with my account. I also request an explanation of how unauthorized transactions occurred while the replacement card was still in the mail and not in my possession.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I am filing a formal complaint against " The Receivable Management Services LLC '' ( RMS ) and the original creditor " XXXX Supply Chain Solutions ''. They are attempting to collect an invalid debt of {$250.00} ( Account # XXXX ). 

The Facts of the Error : This debt is the result of a gross clerical error by XXXX XXXX. I purchased only XXXX items ( Order # XXXX, Tracking # XXXX ). 

XXXX XXXX erroneously filed a customs entry listing XXXX items ( listing my items 4 times ). 

Because of this error, they applied a punitive 200 % tariff on goods that do not exist. 

Crucially, XXXX refused to release the package to me because I disputed these illegal charges. Therefore, I never received the merchandise. 

My Actions : I have contacted XXXX to correct this but received no response. I have also formally disputed this debt with the collector ( RMS ) via Certified Mail on XX/XX/year>, pursuant to the FDCPA. The dispute letter was sent via Mailform ( Order # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TX

Complaint narrative:
I ordered a portable drumkit advertised on XXXX by a company called XXXX. I used XXXX to pay for it in XXXX installments, with the first installment due at purchase. 
I later found the company was completely fraudulent. I never received the product, nor any notification that it was being sent to me. XXXX banned the company and its many aliases. I stopped payment on the remaining installments, and entered a dispute with XXXX. 
Now a debt collection company called XXXX is after the remaining payments amounting to {$66.00}. I disputed the debt with XXXX, explaining the fraud situation. They claim to have examined it, but all they did was look at their own records and send an email the next day saying basically " No you're wrong, you owe us {$66.00}. '' I told them I would never pay for a product I never received. 
They seem to be in cahoots with the made up company XXXX. Their website is at XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
FTC ( identity theft ) reference number : XXXX Police report number : XXXX My husband ( XXXX XXXX , the other user on this account ) and I are extremely upset how this is being handled. On top of having a debit card ( checking account ) with you since XXXX, we also have a credit card and savings account with you. We feel our money isnt safe with how Bank of America is handling this. We have been loyal customers and have never had an issue like this before. As I stated to the representative I spoke with when I initially opened the fraud dispute for these XXXX transactions, I explained what the police officer and I concluded. The officer believes one of the employees or other patrons at the restaurant we were at ( XXXX XXXXXXXX XXXX ) could be the one who committed the fraud on my account. And by the way, I also had this happen with another XXXX of my credit cards ( XXXX ) and they have been absolutely wonderful resolving this issue. Not exactly sure why Bank of America is giving us a headache but we will not pay these fraud charges and will do whatever is necessary along with switching our checking and savings accounts to XXXX if need be as they seem way more trustworthy with our money. As you can see, Bank of Americas response to why the claim was denied was XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract .. That makes absolutely no sense as the statement that these transactions were on was XX/XX/XXXX and I called and reported the fraudulent transactions on XX/XX/XXXX. Also, wheres the signed receipts? I dont have any evidence to that and there wouldnt be unless it was illegally forged. Bank of America seems to be a scam when theres an issue on the customers side, I am seeing that now. Your promise is 0 % fraud liability along with I legally have 60 days to report this and I definitely reported it as soon as I saw which was way under the 60 days. I reported these transactions even before the statement was posted by XXXX weeks so this is absolutely appalling and I want this rectified as I will do whatever I need to do to resolve this in my favor because I nor my husband authorized these transactions. 

Sincerely, XXXX XXXX Below shows the statement of XX/XX/XXXX and all the fraud transactions on that statement. Also, showing that I was credited the day after I called on XX/XX/XXXX on that same statement.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This account is inaccurate under 15 U.S.C. 1692g validation of debt. Portfolio Recovery Associates has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non- compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), Portfolio Recovery Associates may be liable for your willful non-compliance. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX  ), Portfolio Recovery Associates may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history.

Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XX/XX/year> copy of original contract and correct amount allegedly owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX is not a good place to live at. They literally had me and my child living in MOLD for 6 months straight. Out of those months I still was paying rent while asking them to move me and my son into a new unit until the repairs were completed with my apartment. I also ended up getting very ill to where I had to have XXXX XXXX XXXX  in XXXX. Now they wont give me back my money in the amount of {$1800.00} which I am rightfully owed. The manager knew that I was very sickly but acted as if she didnt care. Also, the property manager didnt help me at all. This whole experience was very unkindly and very rude. Furthermore, I tried to dispute this charge with my bank PayPal and they denied it e en with all the proper documents I provided them with. I am not happy nor satisfied with the outcome of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I am filing a complaint regarding improper handling of deposits, account restriction, and missing funds. 

I deposited a check that was legitimately endorsed to me by the named payee. The bank initially credited the deposit, but immediately placed a restriction on my account and denied me access to the funds. I was instructed to provide additional information in order to make the account good, which I attempted to do. 

Despite denying me access to the funds, the bank internally applied the deposited funds to cover a prior returned deposit. Later, the bank reversed the deposit entirely, debited the remaining balance in my account, and closed the account, stating that I was not the intended payee. At no point did I receive the benefit of the deposited funds, yet the bank used them to offset its own losses. 

Additionally, while my account was restricted, my employer direct deposit ( wages ) was deposited into the account. I was never given access to these wages and was never notified whether the funds were returned to my employer, applied to an alleged debt, or placed in a holding account. To this day, I have not received an accounting of what happened to my direct deposit.

I am requesting : 1. A full written accounting of all deposits, reversals, holds, and internal offsets 2. Written confirmation of the disposition of my employer direct deposit 3. Return of any funds improperly applied or withheld 4. Confirmation of whether this account was reported toXX/XX/XXXX or any other consumer reporting agency The banks actions denied me access to my own wages, lacked transparency, and resulted in account closure without proper disclosure.

Company response to consumer: Closed with explanation