vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I am filling this complaint on behalf of my business- XXXX XXXX XXXX XXXX XXXX who has a business checking account # XXXX. Myself - XXXX XXXX, owner of this business. Complaint description - I initiated international wire transfer from my business account to my regular existing payee ( my vendor ) on XX/XX/XXXX. I sent the payment before to this payee on XX/XX/XXXX as well which was received in about XXXX business days. This time for the wire initiated on XX/XX/XXXX was kept on hold by the third-party service provider XXXX XXXX XXXX As a part of the review / investigation I was asked to produce many of my business confidential documents such as XXXX ( XXXX XXXX XXXX ), Invoices for my customers. Also I was ask to produce information related with my business & payee business credentials including formation documents, registrations etc. This process took almost more than a month and finally I was informed on XXXX that the XXXX XXXX is ok and they accepted my wire transfer case, but due to the fact they rejected my wire transfer request originally they asked to initiate new wire transfer request, which I did on XX/XX/XXXX. At that time I asked the Relay compliance team member XXXX, that do I have to worry about if the new request will also again go through enquiry despite the fact that XXXX XXXX only suggested to initiate new request after 1 month plus investigation. I was assured by XXXX that I should not worry as the new request will be process by XXXX XXXX as a normal request. Despite of this assurance, the new request which was initiated on XX/XX/XXXX ( as per XXXX XXXX instructions ) is again delayed till date ( XX/XX/XXXX ) and this time there is absolutely no response from XXXX XXXX on the status of this request since XX/XX/XXXX for almost XXXX weeks. I follow up each day and I get the same answer from Relay team that they are working on it and waiting for the response. All of my payment operations are standstill and my vendors are waiting for the payment endlessly. Wire Transfer Initiated on XX/XX/XXXX - Transaction ID XXXX This Wire Transferred was failed on XX/XX/XXXX Investigation was started which ended on XX/XX/XXXX with XXXX XXXX accepting the case based on the documentation provided. They suggested to initiate new request. New Wire Transfer Initiated on XX/XX/XXXX - Transaction ID XXXX which is still not processed till date [ XX/XX/XXXX ] with absolutely no feedback from XXXX XXXX. NOTE - I am constantly following up with the Relay Bank since last few months, and XXXX the email communications for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
am filing this complaint against the third-party debt collection agency, XXXXXXXX XXXX XXXX XXXX XXXX ), for its deceptive and unfair attempts to collect a debt that has already been paid in full. XXXX is demanding that I pay the full amount of an original debt directly to them, while refusing to acknowledge the {$4700.00} that has already been collected by the original creditor, the Army and Air Force Exchange Service ( AAFES ) for my Military STAR card. Here is a detailed timeline and summary of the situation : Original Debt : The original debt of {$3600.00} was with AAFES/Military STAR. Payments Made to AAFES : AAFES garnished {$1400.00} from my drill Leave and Earning Statement ( LES ). On XX/XX/year>, the U.S. Treasury offset {$3200.00} from my federal tax return, which was sent to AAFES. Total Collected by AAFES : The total amount collected by the original creditor is {$4700.00}, which is {$1000.00} more than the original debt. XXXX 's Unfair Collection Attempts : Despite the debt being overpaid, XXXX is actively attempting to collect the full original amount of {$3600.00} from me directly. They are giving no credit for the payments made through wage garnishment and the Treasury Offset Program. Their actions constitute an attempt to be paid twice for the same debt. XXXX 's conduct is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations to collect a debt. Specifically, XXXX is misrepresenting the character and legal status of the debt by demanding payment for an obligation that has already been satisfied. Attempting to collect on a debt with a XXXX or negative balance is an inherently unfair and unconscionable practice. I have been placed in an untenable position, being harassed by a collection agency for a debt that has been overpaid. This has caused significant distress and financial uncertainty. I demand that the CFPB order XXXX XXXX XXXX to : Immediately cease all collection activities against me. Close this account and mark it as paid in full. Correct any negative information they may have reported to credit bureaus regarding this account. I have documentation of all payments made and communications to substantiate this complaint. I expect a prompt investigation into XXXX 's predatory and unlawful collection practices.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
Validation of Debt Request - WILLRUSH/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On or about XX/XX/year>, PayPal permanently limited my business account and placed a hold on {$8500.00} for XXXX XXXX ( Reference ID : XXXX ). All transactions processed through my account were for legitimate business services that were fully completed. I have XXXX chargebacks, XXXX disputes, and no buyer complaints associated with my account. Prior to this limitation, I proactively contacted PayPal customer service weekly to confirm that my account activity was compliant. Each time, representatives reviewed my account and advised that everything was in good standing. I also communicated with a PayPal XXXX XXXX who confirmed my account appeared to be operating properly. After the limitation, I requested : Identification of the specific transaction ( XXXX ) that allegedly violated PayPal policy Documentation supporting the claim of high risk behavior Reconsideration of the XXXX hold or a partial hardship release PayPal has refused to identify any specific transaction or provide supporting evidence. They continue to cite vague possible fraudulent or high risk behavior without explanation. The {$8500.00} being held represents legitimate business revenue needed for payroll and materials. The XXXX hold is causing significant financial hardship. I am requesting : Immediate release of the funds, or at minimum a partial hardship release. Written identification of the specific transaction ( XXXX ) that triggered the limitation. Explanation of the legal basis for retaining funds absent any disputes or claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I previously had a checking account with PNC Bank that was overdrawn and believed to be closed or restricted due to a negative balance. On or about XX/XX/year>, a deposit of {$980.00} ( XXXX XXXX ) was accepted into the account. Prior to this deposit, transactions were being declined and the account appeared inactive. I was not clearly informed that the account could be reopened or that incoming deposits would be automatically applied after closure or restriction. I am requesting clarification on the accounts official closure status, whether the account was reopened without my authorization, and whether proper disclosure was provided regarding how deposits would be handled after closure due to overdraft. I would like a written explanation of the account status and the policies that allowed this deposit to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Packers HC LLC
State: SC

Complaint narrative:
in 2022 i reached out to workplace credit/in-house capital and explained to them that i would like to settle both loans that i had with their company. the company excepted the settlement and i paid them in full as promised. the company also sent me a paid in full letter. ( i have since moved to a smaller apartment and threw out the letter i believe ) now four years later the company sent one of the loans to a lawyer/ debt buyer for full payment. i tried reaching out to the company but they haven't responded and it's been over a month now. I reached out to the lawyer and explained to them that i didn't live where they were trying to serve me a summons to go to court and that the state i live in as well as took out the loan in is in South Carolina, and according to SC law after three years this debt can not be brought into court. i wanted to do the right thing that's why i reached out to make a settlement offer to the company back in 2022.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
My SoFi credit card currently has a negative balance of approximately {$6900.00}. I requested a balance refund on XX/XX/XXXX via online chat and asked whether the amount could be deposited directly into my SoFi checking or savings account. SoFi told me the refund must be issued by check and that it would be sent out within XXXX business days. They opened a ticket, the ticket number is XXXX. Since XXXX business days have passed and my balance is still negative, I called XXXX today for an update. The first agent told me the refund is still under review and gave me the phone number of the person handling the review. I called the number a few times, it always went straight to voicemail. I called SoFi again, and the second agent confirmed that the refund is under review and said I might need to resubmit a ticket after the review is completed. I dont understand why this is necessary, and the agent did not provide a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is about OnePays ( XXXX credit card issued by Synchrony Bank ) refusal to credit me with the XXXX {$35.00} promotion that they have already said Ive earned. I think OnePay is what's called a 'XXXX '. Apparantly to get the promo I have to login and request it. However, their website keeps telling me that my login email and cell-phone number are invalid. Ive made repeated calls to their customer support for help in fixing the problem ( and have even spoken with support supervisors ) to no avail. And whats amazing is, I know they have my correct email address because the email about my having earned the promo ( see attached ) was sent to my valid email address. I have no interest in contacting them any further. Please have them send me a check for {$35.00}. The OnePay/XXXX promotion was spend {$75.00} ( within a few weeks of getting the card ) and get a {$35.00} promotion. I told the last OnePay supervisor that I spoke with that if they didnt fix the website problem id be contacting CFPB. He said it would be fixed by the next Thursday. Thursday has come and gone and it aint fixed. I hope CFPB can make this problem ( another wonderful XXXX experience ) a thing of the past.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: FL

Complaint narrative:
This company keeps trying to collect a debt with deceptive practices. Not only is the first payment delinquent date wrong the amount of the collection is wrong and well type of account they are withholding information that they have so I had to go to XXXX the original source to collect the information. As well as not being bonded in the state of Texas to practice collecting debts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Company : SoFi\nProduct : Credit Card\nIssue : Fraud Dispute / Failure to Accommodate XXXX XXXX XXXX XXXX I am filing this complaint regarding SoFis improper handling of a credit card fraud dispute involving an unauthorized charge of {$5600.00} on my account I am a sXXXX XXXX and XXXX. I am not technologically savvy and rely on clear instructions and reasonable assistance when dealing with online verification processes. After discovering the unauthorized charge of {$5600.00}, I promptly reported it to SoFi. As part of their investigation, I was required to verify my identity through a selfie link. However, the link expired before I was able to complete the process. As a XXXX and XXXX individual, completing time-sensitive digital verification processes can be difficult. I was not clearly informed of the expiration deadline, nor was I offered an alternative verification method or extension once the link expired. Despite my good-faith effort to comply and my prompt fraud report, SoFi denied my claim solely because the link expired. Additionally : I did not receive a formal written denial letter. I was not provided documentation of any investigation. I was not given a clear explanation of their findings. The {$5600.00} charge continues to appear on my credit card statement. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), creditors must conduct a reasonable investigation of disputed charges and provide written explanations of their determinations. Denying a fraud claim due to the expiration of a digital verification linkwithout offering accommodation, extension, or alternative verification methodsdoes not constitute a reasonable investigation and disproportionately harms XXXX and XXXX consumers. This situation has caused me significant financial hardship, stress, and anxiety. As a senior on limited means, {$5600.00} is a substantial amount of money. I am being held responsible for a charge I did not authorize because of a technical barrier that I struggled to navigate. I respectfully request that : XXXX SoFi reinvestigate the unauthorized charge. XXXX The full {$5600.00} be credited back to my account. XXXX Written documentation of their investigation be provided. XXXX Any negative credit reporting related to this matter be removed. I am requesting CFPB assistance to ensure my rights as a XXXX and XXXX consumer are protected. SoFi did not offer me any alternative verification method such as phone verification, in-branch assistance, mailed documentation, or an extended link, despite my status as a XXXX and XXXX consumer. Because I am a XXXX citizen, I am concerned that this situation reflects unfair treatment of a vulnerable consumer. My cell number XXXX. Please note I have tried over XXXX to reach Sofi security named XXXX he never returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I tried to put someone else on my credit card from American Express. And someone claiming to be from American Express called me and asked me for the last XXXX of my SSN and year of birth. I called the true American Express number and they put the conversation on file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX entered into a settlement agreement with Rubin & Rothman regarding an alleged debt. Under the agreement, XXXX XXXX agreed to pay {$800.00} on XX/XX/XXXX, {$630.00} on XX/XX/XXXX, and {$620.00} on XX/XX/XXXX. XXXX XXXX made payments under the agreement. However, after the initial payments were made, he experienced severe financial hardship. He lost his job and is currently unemployed. He is also going through a divorce and has no income at this time. He is currently receiving XXXX benefits. Despite his financial hardship and unemployment, Rubin & Rothman proceeded to obtain a judgment against him after alleging default under the settlement agreement. Since the judgment was entered, the law firm has continued to send collection letters and contact him regarding payment. XXXX XXXX does not currently have employment, wages, or available funds to satisfy the judgment. The continued collection communications are causing significant stress during an already difficult financial situation. We are requesting that the company review this matter in light of XXXX XXXX financial hardship and cease aggressive collection communications while he is unemployed and without income

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