vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NY

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of XXXX USD through Abound XXXX XXXXXXXX XXXX XXXX ( Transaction ID : XXXX ) from my XXXX XXXX account ending in XXXX to my own XXXX XXXX account in XXXX. The ACH debit posted on XX/XX/year>, so Abound has held my XXXX USD since that date. The Abound app originally showed that the funds would be delivered around XX/XX/year>, but nothing arrived in my XXXX account on that date. On XX/XX/year>, I emailed Abound support because the funds still had not arrived. In their reply on XX/XX/XXXX, they said the transaction was in its final stage and would be settled within 23 business days with a tentative date of XX/XX/year>. The money still did not arrive by XX/XX/XXXX. On XX/XX/year>, Abound emailed me again saying the transaction had been reprocessed through an alternate banking partner due to a technical error and asked for another 35 business days to complete it. When there was still no credit to my XXXX account, I emailed Abound again on XX/XX/XXXX and XX/XX/year>, stating that if the funds were not received in the next 34 days I wanted a full refund back to my US account and would file a complaint with the CFPB. I still did not receive the funds or any clear resolution. In the app, Abound later updated the status to show Delivered on XX/XX/year>, but my XXXX XXXX account has never received this money. On XX/XX/year>, Abound support wrote that, as per our records, the transaction had been successfully settled to the beneficiarys bank and asked me to provide an XXXX XXXX statement, and claimed they had sent me a detailed email summary, which I never received. I have now provided XXXX statements showing that no such credit was received. Abound has had my funds since late XXXX, repeatedly changed the expected delivery date, marked the transfer as delivered when it was not, and has not refunded my XXXX USD. Other users are reporting similar issues with Abound online. I am requesting that Abound be required to either immediately credit my XXXX XXXX account in XXXX for this transfer or refund the full XXXX USD to my XXXX XXXX account, along with any applicable compensation for the delay and inconvenience.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : Citibank N.A. refusal to refund stolen money XXXX # XXXX To Whom it may Concern, On XX/XX/XXXX, at XXXX a withdrawal of {$1000.00} was made via XXXX from my checking account. I received a text at XXXX XXXX asking if I was requesting this. I was asleep and about XXXX XXXX I received a phone call from a person who said that she was calling from Citibank and wanted to ask if I had made the transfer and did I know XXXX XXXX. She also requested my Debit card number. I told her that I did not make the transfer at XXXX XXXX that I was asleep and I did not know XXXX XXXX and I certainly would not make a transfer at that time of day. I did not release my debit card number to her. I then called Citibank and was advised that the transfer had been made. XXXX days later Citibank returned a notice to me advising me that they determined it was a valid transfer. I called them and told them that this was a false transfer that I did not do it and they then initiated a second investigation. XXXX weeks later on XXXX XXXX after I had changed passwords and user name I saw that someone had transferred {$800.00} from my savings to my checking account. I did not do this and then transferred the money back and again changed the user and password. Today, XX/XX/year> I received a letter advising me that it was determined to be an accurate and valid decision that it was a legal transfer. I realize that my computer was hacked and the original information was in the computer and someone got that information. I am protesting the decision by Citibank to disallow my request to return the {$1000.00} to me. XXXX XXXX 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 2026-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
XXXX mobile and internet trying to collect and early disconnect fee. I have been living in NY for the last XXXX XXXX. this dept is not mine. I have extended fraud alerts on my credit report. XXXX keeps spamming my phones, devices and trying to steal banking information from me to steal XXXX they say I owe for early disconnect fees????? I have been with XXXX internet in NY for XXXX years. I do not have an XXXX account and the last one I had was over XXXX XXXX ago. this is not my dept.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bilt Technologies, Inc.
State: MD

Complaint narrative:
Bilt card was a XXXX XXXX product. In XX/XX/year> they decided to change the credit card, The process is very confusing. They were offering XXXX options. I was " preapproved " for the XXXX product that came with a Annual fee. I immediately requested to be changed to their entry level product - the Bilt XXXX. I called and asked for the change and I also submitted an email prior to XX/XX/XXXX - the change date. I have not heard back in time, and i was delivered the XXXX card. A few days after the XXXX card arrived, I received an answer from Bilt asking me if I still want to change to Bilt XXXX. I informed them that I already received am Obsidian card via mail and i had planned payments, including the monthly rent payment. Later in the month, on rent day I received an email + text from Bilt informing me that my rent payment did not go through. I immediately contacted their customer care via the Bilt app chat and asked for clarification. The AI model they are using was unable to provide any clarification on the email + text I received. I tried for days to call them - no answer, emailed them - no answer to the day and call their customer care phone line. I waited on hold for hours ( XXXX + ) in multiple occasions. There was no answer anywhere. I finally get ahold of a customer care agent on XX/XX/XXXX. I explained my situation and how the credit card company impacted my payments. I asked to be transferred to the Bilt XXXX card again as I the Bilt XXXX card is an inferior product to the XXXX XXXX Bilt card and it has an annual fee. The agent refused to change my card and motivated his decision on teh fact that I did not answer/accept the email sent by Bilt team at the beginning of XXXX. In conclusion, I consider the Bilt credit card company to be unfair to customers. the information they provide about their credit cards is incomplete and misleading. Their customer service is non existent. Even when you get in touch with AI platform or live agents, the process is confusing and there is not a lot of help offered. It seems to me that they put ALL their efforts into the Marketing and Promoting the product and they do not have any concerns on how the customers are treated. Shortly, it seems to be a ripoff. If I may provide any additional details, please do not hesitate to let me know. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had fraud back in XX/XX/XXXX regarding My Target card. I received a letter XX/XX/XXXX, and it claimed they would credit the disputed amounts back into my account including. The credit includes the {$2600.00} of unauthorized purchases as well any related fees and interest charges. Now Target is claiming {$2.00} is still owed on account. Why is Target charging me additional money for unauthorized purchases when they claimed interest payments and other relaed fees would be credited back into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: OR

Complaint narrative:
The put a temporary hold on my account.And when I called, they told me that there had been suspicious activity in changing information on my account. I explained that this was theXX/XX/XXXXtime it happened to me in the last XX/XX/XXXX years. And I tried to find out more information, and the guy was being very asanine and condescending. So the last thing I said to him was maybe I should just close this account, and I hung up on him. The next thing I know the guy closed my account.He did not confirm with me that I wanted to close my account.He didn't ask if I was sure I wanted to close my account.He just took it upon himself.Based on the fact that I said maybe I should close this account to close the account. When I tried to rectify this situation, that's when the person was giving me lame excuses. As to why they could not reopen the account, I asked for official inquiry.And he did nothing, so I had to call back and speak with a young lady who did evidently look into something. And then the company decided to keep the account closed.Because they're still saying that I requested it. At this point I don't want the account with them.Anymore. all I want is for my credit bureau to reflect that this account was closed by me.Due to the fact that the account was hacked for theXX/XX/XXXX time in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. Systems INC XXXX XXXXXXXX {$56.00} I crrently have XXXX and all accounts are paid monthly and services are still active

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 2026-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I paid off Pennymac loan XXXX XX/XX/year> following g the lender procedures. They confirmed in writing on XX/XX/year>. XXXX weeks AFTER my payoff the added {$75000.00} to my loan and extra interest and additional release fees and required a XXXX payoff wire. I paid under protest. After XXXX calls and XXXX emails and XXXX letter they have refused to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-28 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: Self Financial Inc.
State: CT

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I let my daughter use my cash app card to orde4 food from XXXX XXXX but we canceled the order. The receipt show it was canceled and they charge the full amount and I can't get it back. I even call and talked to cash app support and they told me to talk to mc donnalds directly because it was nothing they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: Westlake Services, LLC
State: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/2025 They say I have a balance owed for {$420.00} dollars. Dont know what this is for and I want this removed from my credit report and to stop threatening me. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally request an investigation into XXXX XXXX XXXX XXXX XXXX XXXX. I am reporting a pattern of deceptive marketing, failure to provide contractually obligated services, and predatory lending practices that have resulted in severe financial hardship and significant damage to my credit. Deceptive Marketing and Breach of Contract ( XXXX XXXX ) : In XX/XX/XXXX, I enrolled in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX specific guarantees : Guaranteed Career Support : I was promised dedicated career coaches and job leads. Instead, I went 9 months without a coach despite repeated requests to XXXX XXXX. The " Money-Back Guarantee '' : I was led to believe that if I did not find employment in the field, I would not be liable for the debt. When I attempted to claim this, I was told by a manager ( XXXX ) that I did not qualify because " Easy Apply '' applications did not counta requirement never disclosed in the initial " meeting of the minds. '' Discriminatory Career Advice : My first coach, XXXX XXXX, explicitly told me that there are " no jobs in cyber '' and that my " age and gender '' would work against me, discouraging the very career pivot I paid them to facilitate. Predatory Lending and Harassment ( XXXX ) XXXX My loan agreement with XXXX was predicated on the belief that payments would not begin until I reached a specific income threshold ( approx. {$30000.00} {$33000.00} ). Financial Hardship Ignored : Despite earning only {$17000.00} in XXXX, XXXX refused a third forbearance and denied a manageable payment plan, insisting on payments of nearly $ XXXX. Harassment and Credit Damage : XXXX contacted my place of employment and sent my account to collections, causing my XXXX score to drop by XXXX points. Unconscionable Interest : I now owe nearly {$20000.00} on a program that provided no professional value, due to a 27 % interest rate that I believe is predatory given the lack of support provided. Conclusion : As a XXXX with XXXX ( XXXX XXXX ) and XXXX, I relied on the clear, verbal promises of salesperson XXXX XXXX and the written " money-back guarantee. '' The education provided was subpar, the career support was non-existent or discriminatory, and the lending practices have been ruinous. I implore you to investigate these entities to prevent further students from being preyed upon during a vulnerable economic time. I am seeking a full discharge of this debt and restoration of my credit score. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Loan Ridge USA, LLC
State: TX

Complaint narrative:
I paid off a XXXX plus an additional {$500.00} fees that was generated in XXXX- {$59.00} a week. In XX/XX/year> I received a paid note but the amount paid and payment history was missing. I sent them a response to send the paid off amount and history because they are still deducting the money from account weekly and have failed to send anything or respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing an unauthorized XXXX charge from XX/XX/ 2025 on my Kohl's/Capital One account. I do not have an XXXX account and did not authorize this purchase. Capital One denied my fraud claim, stating that " I or someone I know benefited ' from the purchase, but they have refused to provide any evidence, such as a delivery address or recipient name, to support this claim. I have attempted to contact XXXX, but as a non-account holder, I am unable to access transaction details. Capital One is in violation of the Fair Credit Billing Act by failing to conduct a reasonable investigation and refusing to provide the documentation used to deny my claim. I request that the fraudulent charge and all associated fees be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: TX

Complaint narrative:
I do not know these people they texted my phone on my end my phone automatically blocked them I never talk too anyone i never give out any personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was charged XXXX from XXXX XXXX for an account I did not open. They sold it to Jefferson Capital. It brought my score down by XXXX points. ( Collections ). I got the Pay for delete letter and still is on my CR

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS, Inc.
State: MO

Complaint narrative:
Shaffer & Associates is reporting/attempting to collect a rental/leasing debt for {$1000.00} with original creditor XXXX XXXX XXXX XXXX XXXX The tradeline shows Date assigned XX/XX/XXXX and is reported as Unpaid as of XX/XX/XXXX. The reporting is incomplete and can not be accurately verified because critical fields are blank/missing, including XXXX XXXX XXXX XXXX XXXX XXXX ), Date of Last Payment, and any delinquency details. Without XXXX and supporting account-level documentation, this item can not be properly validated or legally reported with accuracy. I dispute this debt and request that Shaffer & Associates provide full validation including : a complete itemization of the {$1000.00}, the lease/contract or account documents showing my responsibility, a payment ledger, move-out/final statement, and the XXXX used for credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: OK

Complaint narrative:
Received a letter today of filing within XXXX county for someone named XXXX XXXX. Letter was only addressed to me. Why do I know of someones personal debt? This is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief