vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Reference to Prior Complaint : I am refiling this complaint because Venmo failed to address the core issue in my previous complaint filed on XXXX  XXXX, 2026. In their response on XXXX  XXXX, 2026, Venmo closed the case by citing " Purchase Protection '' policies. This is irrelevant. I am not claiming Purchase Protection for a lost or damaged item ; I am reporting that Venmo facilitated fraud by accepting a false " Unauthorized Transaction '' claim despite irrefutable evidence to the contrary. 

The Issue : On XXXX  XXXX, 2026, I sold a used item in person for {$30.00}. The buyer paid me via Venmo face-to-face. Minutes later, the buyer falsely reported the transaction to Venmo as " Unauthorized '' ( claiming their account was accessed without permission/hacked ). Venmo immediately debited my funds. 

Venmos Previous Response was Invalid. Venmos response to my first complaint stated that " Personal Payments are not eligible for Venmo Purchase Protection. '' This is a deflection. 

Wrong Dispute Type : The sender did not file a dispute because the item was broken or not received ( which would be a Purchase Protection issue ). The sender filed an " Unauthorized Transaction '' claim, alleging identity theft or account compromise. 

Failure to Investigate : A claim of " Unauthorized Transaction '' implies the account holder was not the one who made the payment. I provided PDF evidence ( XXXX messages and timestamps ) showing the account holder arranging the meeting and physically meeting me to initiate the payment. 

Logical Impossibility : It is impossible for the account to be " hacked '' by a third party when the actual account holder was standing in front of me, using their device to send the money. 

Venmos Negligence : By refusing to review the evidence that the user did authorize the payment, and instead hiding behind " Friends & Family '' policy clauses, Venmo is knowingly assisting a user in committing " friendly fraud '' ( using the platform to pay and then immediately clawing the money back by lying about account security ). 

Venmo has essentially accused me of receiving stolen funds. They have debited my account {$30.00} and restricted my account access based on a lie that they refuse to investigate. Their " non-monetary relief '' of ceasing collection efforts does not correct the record that they have wrongly penalized me for the sender 's fraud. 

I am not asking for " XXXX Protection. '' I am asking Venmo to : Acknowledge the evidence that the transaction was authorized by the sender in person. 

Reverse the validity of the " Unauthorized Transaction '' claim. 

Return the {$30.00} to my account balance. 

Fully restore my account standing and acknowledge that no violation of the User Agreement occurred on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent a letter of debt validation to Portfolio Recovery Associate a collection company on XX/XX/XXXX but response until todays date XX/XX/XXXX. I have attached a tracking number of their receipt. The PRA continue to report on my XXXX file regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I was tricked into sending {$590.00} through XXXX XXXX 's barcode send-money service at XXXX XXXX XXXX A scammer sent me a fake police warrant with my name on it, making me think I had to pay or face arrest. I believed it was real and completed the transfer. I reported to Truistthey verbally denied my claim over the phone, saying I authorised it. They never asked for proof. No refund. Proof attached : forged warrant, police report card, screenshots, XXXX receipt. ''

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 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX ( Sunday ) at XXXX, Portfolio Recovery called from a local phone number XXXX. I have constantly blocked them from other phone numbers they use but they always call back with a new number. They never leave voice mail. Constant harassment over a debt that beyond the statue of limitations in the State of Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 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:
To Whom It May Concern, My name is XXXX XXXX. I am filing a formal complaint against XXXX  regarding funds removed from my account that XXXX  claims were remitted to the New York Office of Unclaimed Funds, but which I have been unable to locate. 

On XX/XX/year>, I received an email from XXXX  stating that my account balance was being sent to the New York State unclaimed property office. Immediately after receiving that email, I contacted XXXX  to address the matter and attempt to recover my funds. Since that date, I have continued communicating with XXXX  ; however, the issue remains unresolved to this day. 

XXXX  has stated that the funds were sent to New York State, but they have not provided any documentary evidence to support this claim. Specifically, XXXX has not provided : The exact date the funds were remitted A holder report number or confirmation of receipt from the NY Office of Unclaimed Funds The name and address under which the property was reported I have searched the New York Office of Unclaimed Funds database multiple times using all variations of my name and relevant address information and have found no record of the funds. As of today, I have neither received my money nor been able to locate it through the State of New York. 

Given that XXXX  has removed the funds from my account but has failed to provide proof that the funds were properly remitted, I am deeply concerned about the status and whereabouts of my money. 

I respectfully request that XXXX  be required to : Provide formal documentation proving remittance to the NY Office of Unclaimed Funds, including the report year and filing confirmation ; or Immediately return the funds to me if remittance can not be verified. 

Thank you for your assistance in reviewing and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX we obtained a mortgage from Greentree or XXXX who then sold it to XXXX XXXX. About XXXX it was sold to Newrez/ Shellpoint. In XXXX it was refinanced for a lower rate. 
There are also several account/loan numbers SHELLPOINT .. XXXX NEWREZ XXXX NEWREZ XXXX We have been made aware that we approved this new 30 year mortgage that had a balance of {$190000.00} increased to {$190000.00} with the refinance fees in XXXX. 
We are confused about the {$190000.00} balance in XXXX as that would be 16 years that we were paying on an original loan of {$220000.00} According to our new loan no XXXX in 16 years the principal paid would be reduced by {$73000.00} and not {$32000.00} as indicated currently. 
Is there any documentation to determine why after all these years, all these various mortgage companies with the selling and refinancing that we still have another 24 years to pay off this loan? .. Which would make a total of 44 years for a 30 year mortgage.? Something seems very strange and we would appreciate your help in determining how this all came about. 
We would like to see all the original mortgage information, when it was sold or transferred over the years, with a history of the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: CA

Complaint narrative:
On XX/XX/year>, my PayPal account was permanently limited due to security reasons. I was informed that I could no longer use my account. 

I am a beginner XXXX XXXX  and XXXX receiving payments for digital content services through XXXX platforms and brand collaborations. I mistakenly used a Personal account for these payments, as I was unaware that a Business account was required for this type of activity. 

After receiving the limitation notice, I submitted an appeal and requested clarification of the reason for the restriction, as well as a manual compliance review and the possibility of converting my account to a Business account. 

I have not engaged in fraud, prohibited transactions, or deceptive activity. I am willing to provide identity verification, contracts, invoices, and proof of legitimate business activity. However, I have not received a detailed explanation for the permanent limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my account in XX/XX/XXXX. I am able to log into my account and still receive notifications. I set up a payment arrangement in XX/XX/XXXX to resolve the negative balance of {$4100.00}. On XX/XX/XXXX I received a refund of {$4400.00} XXXX  XXXX and a refund of {$130.00} XXXX  XXXX. The bankers told me it's impossible for the funds to come. The merchant that issued the refund is XXXX. When I called Chase Collections. They told me it was possible the funds are being used towards the outstanding debt and I will be mailed a Cashiers check of the remaining balance. I am unclear what is going on with my money. Please help me locate it. The Chase bankers, and phone reps appear to have limited information and can not provide me with the help I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network was a card servicer for the XXXX  XXXX Department from which I was supposed to receive funds after being laid off. Money Network was responsible for dispersing full payment of funds through their credit card, but because of a withdrawal fraud which they acknowledged, they were supposed to, but didn't issue a final credit amount of {$200.00}, {$500.00}, and {$500.00} for a total of {$1200.00} on or about XX/XX/year>. They sent a letter acknowledging this but to date have issued no payment of this amount.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
On XXXX  XXXX, 2025, I submitted my monthly rent payment through the Bilt portal using Bilt Protect. My Bilt Protect limit was set above the rent amount, and this payment method had been used successfully multiple times in the past. 

On XX/XX/XXXX, I received an email from Bilt confirming that the rent payment was processing and that I would receive points. The funds were withdrawn from my checking account, and the rent was marked as paid in my landlords online portal. 

Prior to submitting the payment, I received no communication from Bilt regarding any change to Bilt Protect or rent payment eligibility. 

On XXXX  XXXX, 2025 XXXX PM, I received an email from Bilt stating that my payment would not go through because Bilt Protect payments had been discontinued as of XX/XX/XXXX. This was the first notice of any such change. The payment was then refunded. 

As a direct result of the payment being reversed after confirmation and processing, my landlord assessed a 10 % late fee totaling {$930.00} since the last day to pay rent without a fee was XX/XX/XXXX. 

In Bilts XX/XX/XXXX email, they stated that late fees caused by this miscommunication would be covered. I contacted Bilt customer support via email and text requesting reimbursement of the {$930.00} late fee, but I have not received a substantive response. 

I am requesting full reimbursement of the {$930.00} late fee caused by Bilt reversing a confirmed rent payment without prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an alert on credit karma for a new collections account. The account shown was XXXX in the ownership of Jefferson Captial System, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Original creditor stated as XXXX. This account showed it was opened late XXXX of 2025. I was in XXXX  from XXXX, and since then, and before I went, my father has always had my phone on his account. The information reported was very vague, and they sure did report the fake or whatever it is account to all three bureaus. All 3 bureaus have since removed this account in under 12 hours. I think this company is fraudulently trying to collect dents not owed, or see who is watching their credit profile. When I tried to contact the company, they have an automatic helper, and no matter how many times you ask to speak to someone, they are either closed or it tells you to let the computer help you. Very shady. This screwed with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding false reporting by Rmp LLC concerning my account ( [ Account Number/Patient ID ] ). Despite all payments being made in full, Rmp LLC continues to report my account as unpaid. This constitutes inaccurate reporting un

der : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prohibits reporting false information to credit bureaus. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. prohibits deceptive or misleading practices related to debts. Timeline of Events : 1. [ XX/XX/XXXX ] Account was fully paid. 
XXXX. [ everyday Attempted to contact Rmp LLC by phone multiple times ; unable to reach them. 
XXXX. [ XX/XX/XXXX ] Sent formal written notice demanding correction of the inaccurate reporting. 
XXXX. [ XX/XX/XXXX ] Rmp LLC has not corrected the false information.

Impact : Potential damage to my credit report and credit score.

Stress, inconvenience, and potential financial harm caused by their continued false reporting.

Requested Resolution : 1. Immediate correction of any inaccurate reporting to credit bureaus or other entities.

2. Written confirmation that my account is paid in full and that no further adverse reporting will occur.

3. Assurance that Rmp LLC will comply with all applicable federal reporting laws.

I am submitting this complaint to request CFPB intervention to ensure Rmp LLC ceases illegal reporting and corrects my account immediately.

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding two billing disputes with XXXX XXXXXXXX XXXX ( XXXX XXXX, CA ) totaling {$4600.00} ( {$3500.00} and {$1000.00} ). 

1. Statutory Forfeiture of Right to Collect ( 15 U.S.C. 1666 ) : These disputes were initiated on XX/XX/year>. Under 15 U.S. Code 1666 ( a ), a creditor must resolve a billing error within two billing cycles, not to exceed 90 days. Citibank is currently at 93 days. Per 15 U.S.C. 1666 ( e ), a creditor who fails to comply with the procedural requirements of this section forfeits any right to collect the amount indicated and any finance charges thereon. I demand that these charges be removed in their entirety due to this statutory violation. 

2. Failure to Deliver and Merchant Misconduct : XXXX  Dispute ( {$3500.00} ) : After providing faulty designs, the merchant physically reclaimed the product three days later to " fix '' it but has refused to return the item or complete the work. I have neither the product nor my money. 

XXXX  Dispute ( {$1000.00} ) : The merchant admitted he " ran out of time '' to apply the coating, then admitted it was applied incorrectly, and promised an upgrade he never delivered. 
Under the FCBA, charges for goods " not accepted '' or " not delivered according to agreement '' constitute a billing error that Citibank is legally required to correct. 

XXXX. Bad Faith Investigation and Accounting Errors : Evidence Mismatch : The merchant is using proof of a different service ( XXXX  ) to refute the XXXX dispute. Citibank has failed to identify this non-responsive evidence. 

Ghost Credits : My portal states " Conditional credit applied '' for both cases ( see screenshots ), but these have never posted to my actual balance. This indicates a computational or bookkeeping error by the financial institution. 

Procedural Violations : Citibank closed my original case without my consent and without a written explanation, and has refused to provide the merchant 's rebuttal evidence as required by law. 

Desired Resolution : Based on the statutory forfeiture triggered by the 90-day violation, I request that Citibank permanently adjust my balance to {$0.00} for these items and reverse all associated interest and finance charges immediately.

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 2026-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XXXX XXXX XXXX, I activated a {$500.00} Vanilla Gift card. Within 24 hours, the entire balance was exhausted via four unauthorized online transactions. I immediately contacted Vanilla Gift and opened Case # XXXX. I was assured by a supervisor that the full {$500.00} would be refunded. 
On XXXX XXXX XXXX, I received written confirmation that my claim was resolved and a replacement card would be issued. However, the replacement card I received on XXXX XXXX XXXX was only loaded with {$240.00}. This is a {$250.00} deficit from the original disputed amount. 
I have contacted the company four times since XXXX XXXX XXXX. On XXXX XXXX, I was told the case was reopened with a promised 48-hour response time. No contact was made. On XXXX XXXX I spoke with a representative who was verbally abusive, repeatedly placed me on hold while I was speaking, and eventually hung up on me when I requested a supervisor. A subsequent supervisor again promised a 48-hour response from the disputes department, which has not materialized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I am a long-standing customer of Citibank ( over 10 years ). I am filing this complaint due to gross administrative negligence, inaccurate record-keeping, and the unjustified closure of my account. 

Please note that I am not attaching the original audio recordings due to file size limitations ; however, I am attaching a detailed PDF transcription. Citibank must have these calls in its records, and I demand an executive audit of the recordings from the dates and times specified to verify the facts presented here. 

On XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Local Time ), I contacted Citibank. During this call, the agent specifically asked me about the {$1600.00} XXXX transaction ( XXXX ) and explicitly stated that the security alert had been triggered for this reason ( XXXX ). I verified the transaction as legitimate, and the agent confirmed my identity and informed me that my access would be restored within XXXX hours. 

However, on XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), a different agent provided completely contradictory information. This agent cited a burst of unauthorized transactions for {$5.00} under the name XXXX XXXX XXXX, charges I never authorized and that were never mentioned on the previous day. 

Furthermore, during the call on XX/XX/XXXX, I explicitly contested the accuracy of the bank 's internal notes : - At XXXX, the agent admitted that my identity was successfully verified and at XXXX she had 'cleared ' the security review. 

- At XXXX, the agent falsely claimed that I had been notified of a permanent account closure on XX/XX/XXXX, which is directly disproved by my recording of that day 's call. 

Despite successful identity verification, the bank still proceeded to close the account based on their own faulty records. As I am currently located abroad, a paper check is not a viable solution and poses a high risk of financial loss.

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on a legal contract is signed by two parties and I didnt participate in any of it. They didnt follow the proper 5 - step verification procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, They violated my rights and abused my privileges. I demand this account to be taken off immediately.

Company response to consumer: Closed with explanation