vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase through my PayPal account on XXXX XXXX, XXXX  with a company online called XXXX XXXX for prescription glasses. The product I received was not usable and defective. After trying to negotiate with the company I was left empty handed unless I wanted to mail the glasses back to XXXX which I was under the impression this company was XXXX. I did a dispute with PayPal on XXXX XXXX, XXXX  for $ XXXX and lost because again the company wanted me to mail back this medical waste at my expense of approximately {$84.00}. I note that the company states on website I could return defective glasses. I decided to go straight to my credit card for help. I filed a dispute with my XXXX XXXX credit card even took the glasses to my XXXX  and they examined the lenses and determined the prescription was incorrect and different then what I sent the company as my prescription. Theses glasses were literally hazardous to my health to wear. I gave that info to my credit card company XXXX XXXX in letter form from my doctor. I have offered to send these glasses back at their expense only, but this is just medical waste at this point. XXXX XXXX did their investigation and did a charge back for me and were in favor of my claims. They did the permanently charge back finally on XXXX XXXX, XXXX  of the {$160.00}. After this PayPal sent me emails stating that I had a duplicate credit, which is not the case. I got one charge back from my credit card. They have their collection department calling me and emailing me. After several attempts speaking to these agents with really no real explanation I was routed to a woman that gave me different reasons and was very unclear. She was not listening to what I had to say. First it was a dupicate refund, then it was PayPal not agreeing with the decision, then it was why do I get a refund and keep the glasses, also maybe I better stop ordering online. None of this made sense and I have no documentation. The app has no info for me to explain this. I believe this is criminal, fraud, and unsatisfactory communication. Both PayPal and XXXX XXXX are seriously corrupt. I am concerned about the threat to my credit. I received one refund from XXXX XXXX. PayPal has provided nothing to me. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
on or about XXXX i joined venmo. I did not have transactions until XXXX XXXX when a deposit of XXXX was made to my account then followed by a XXXX deposit on XXXX. I tried for the next week to get venmo to release my balance of XXXX. I was told in an email ( this being the only communication with an account XXXX offered ) that my account was now suspended indefinitely due to policy violation. I continued to try to email venmo to find out why and what policy I violated .. to this day I have not gotten any of this information. I still don't know what I have done wrong with XXXX transactions that warrants indefinite suspension. Now I am told they wont have any communication with me and that my balance is being held for 180 days and possibly forever. If i have done something to violate policy I did so unknowingly and without malice. I have continued to try to send email to the account XXXX and get '' delivery incomplete '' message. I am pretty sure venmo has me blocked and they have my account suspended. Can you please help with this matter? At this point I want nothing to do with venmo and to get my balance returned to me or returned to the sender. I also would like to know what I did. 
PLEASE HELP XXXX DON'T KNOW WHAT ELSE TO DO.THANK YOU. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding the above-referenced alleged debt.

This includes, but is not limited to, communication by telephone, text message, email, postal mail, or through third parties. You are only permitted to contact me in writing to confirm one of the following : That you will comply with this request and cease all communications, or That you intend to invoke a specific legal remedy permitted by law.

Any further contact from you outside of these limited exceptions will be considered a knowing and willful violation of the FDCPA, and I will document such violations for potential legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing civil remedies.

This request is not a refusal to pay, nor is it an acknowledgment of liability for the alleged debt. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am the seller of the property located at XXXX XXXX XXXX XXXX, XXXX, FL, sold on XX/XX/scrub>XXXX XXXX 

After the closing, Mr. Cooper failed to properly reconcile the escrow account and issued an incorrect escrow refund. 

Both the title company and Mr. Cooper paid the same XXXX  property tax in the amount of {$9200.00}. The duplicate payment has been confirmed by Mr. Cooper. This amount was improperly deducted from my escrow balance. 

According to the Escrow Review Statement, the ending escrow balance was {$3700.00}. When adding the duplicate property tax payment, the correct escrow refund should be {$13000.00}. 

However, Mr. Cooper issued a check for only {$5900.00}, which represents a partial and incorrect refund. An outstanding balance of {$7000.00} remains due. 

The check was deposited due to financial necessity and does not constitute acceptance of full and final settlement. 

I am requesting : A corrected escrow reconciliation Immediate payment of the remaining {$7000.00} Written confirmation explaining how the refund was calculated This matter involves escrow mismanagement and improper handling of a confirmed duplicate tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below.

Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information please contact me at : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
In XX/XX/year>, I received an email from XXXX  encouraging me to request an increase to my credit limit. When I attempted to do so, I noticed that my account information did not reflect my most recent payment or updated credit limit. 

I contacted XXXX  customer service to address this issue. After multiple interrupted calls, I eventually reached an agent who informed me that my account had been flagged due to alleged unauthorized or security-related purchases. This was the first time any such concern had been communicated to me. Prior to this call, the only correspondence I had received from XXXX  encouraged a credit limit increase. 

I was transferred to a credit authorization agent who reviewed the transactions in question with me. I recognized and authorized the charges discussed. The agent stated that the hold on my account would be lifted and that full access would be restored within 710 business days. I was instructed to call customer service again if I did not receive confirmation by phone or mail within that timeframe. 

Subsequently, when I contacted XXXX  for follow-up, I was informedabruptly and repeatedlythat my account had been canceled. This directly contradicted the prior representations that the account was under review and would be reinstated. No explanation was provided for the change in status, and I received no advance notice of closure. 

Relying on XXXX prior statements that the account would be unlocked, I continued to make payments toward the balance. Had I been informed that the account would be permanently closed, I would not have made payments under the belief that the account relationship would continue. 

Following the closure, I lost access to my online account and statements, which has prevented me from independently reviewing payment history or resolving discrepancies. I have since observed that this account is being reported as having late payments, despite my not recalling any missed payments during the relevant period. 

I am concerned that XXXX provided misleading and inconsistent information regarding the status of my account, failed to provide a clear explanation for the closure, and may be furnishing inaccurate or misleading information to the credit reporting agencies. The sudden closure and subsequent reporting have negatively affected my credit by increasing utilization and damaging my payment history.

I believe this conduct may constitute unfair or deceptive account servicing practices.

I am requesting : A written explanation for the account closure Verification and correction of any inaccurate credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My husband and I deposited a check for {$17000.00} in person at a Navy Federal Credit Union branch in XXXX XXXX, New Jersey on XX/XX/XXXX. We clearly instructed the teller to deposit the funds directly into our savings account.

The teller mistakenly deposited the check into our checking account first and then transferred it into savings. Because of this internal error, Navy Federals system treated the transaction as if {$17000.00} had been withdrawn from our checking account, resulting in an artificial overdraft.

At the time of the deposit, our checking account already had sufficient funds of approximately {$3500.00} and should never have been overdrawn. Somehow the next day our checking account showed around - {$14000.00}. We are unable to reconcile where our funds are as money from both checking and savings were moved around due to this bank related error. 

We were never notified of the issue. We discovered it only after our debit card was declined while picking up our infant daughter from daycare, which caused significant stress and disruption. 

After discovering the issue due to a debit card denial on XX/XX/XXXX, we called Navy Federal Credit Union at approximately XXXXXXXX XXXX in an attempt to resolve the teller-caused overdraft immediately. After waiting on hold for roughly 30 minutes, the call was disconnected. We called back and waited again, only to be informed that the department responsible for resolving this type of account error closed at XXXXXXXX XXXX 

We were not advised earlier in the call that the department would be closing, nor were we offered any temporary resolution, override, or safeguard to restore access to our funds. 

Compounding this issue, Navy Federal Credit Union is closed the following day for New Years Day. As a result, we are unable to obtain in-branch assistance or resolution until Friday, meaning this bank-caused error will remain unresolved for multiple days. 

Due solely to Navy Federals teller error, lack of notification, call handling failure, and holiday closure, we currently can not use our checking account. We have been forced to place necessary expenses on a credit card and will incur interest and financial inconvenience through no fault of our own. 

Navy Federals systems should have detected and corrected this error before restricting our account. We are requesting : - Immediate correction of the overdraft - Reversal of any fees or penalties - Confirmation that no negative reporting has occurred or will occur - Written explanation of how this error occurred and why no notice was provided We are concerned about the lack of safeguards and notification, and we request CFPB assistance to ensure this issue is resolved promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection efforts regarding the above-referenced account. I dispute this alleged debt in its entirety and am formally requesting validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( FDCPA 809 ). 
This letter serves as formal notice that I am requesting strict proof that I have a legal obligation to pay this alleged debt. Until proper validation is provided, you must cease all collection activity, including but not limited to reporting or verifying this account with any consumer reporting agency.

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 2026-01-02 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:
Bank of America is not listing deposits, withdrawals, and transactions in the proper manner or according to the correct t date they take place. They take old transaction amounts that they have already removed from your balance and remove them again XXXX days later. My balance is not correctly and accurately reflecting the {$12.00} XXXX payment sent to me by my son XXXX XXXX, BOA play around and move numbers around. I feel that is how they are defrauding and stealing from customers, My balance was {$120.00} after my oldest son sent me a XXXX payment for {$30.00}. I made a XXXX purchases for {$12.00} and a gas purchase for {$15.00}. My son XXXX sent me {$12.00} via XXXX for the XXXX purchases. My balance should be {$100.00}, not {$98.00}. 

When is BOA going to be held accountable for victimizing customers, I am truly closing this account as soon as this investigation is over. I feel they are stealing. The XXXX purchase took place XXXX days ago and was already removed from my balance prior.. 

BOA owes me {$12.00} and is trying to make it look as if my balance is {$98.00} after they added the {$12.00} XXXX payment when they did not Im so sick of this bank. People are talking about how nasty and greedy they are and they are allowed to continue the victimization ; why

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
For a unknown reason Wells Fargo all my accounts including business personal and credit line were closed and send it to collections without giving me reason or a opportunity to fix the issue .. they just closed this credited have violated my rights under 50usc1681 section 602 state that i have the right to privacy.

50 usc 1681 section 604a section 2 alson consumer reporting agency can not furnished account without my permission

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I was on an XXXX XXXX flight starting my trip to XXXX and XXXX. At the end of the first flight everyone received vouchers with information about applying for the XXXX XXXX XXXX credit card . With the promotion stating that if you spend {$1000.00} within the first XXXX  months of having the card you would receive XXXX airline miles. Once off the flight I applied for the card ( as did my boyfriend and his motherthey were approved almost immediately ). However, that was not the case for me. What did happen immediately was my credit being ran. Aside from the immediate notification about an inquiry on my credit report from XXXX XXXX I have received XXXX information about the status of this application. At this point I decided to give the company XXXX weeks to update me on their own before I reach out, and so I did. By the time I called to receive an explanation about this around XXXX weeks had gone by. When I did call I was transferred to several different departments within the XXXX hours that I was on the phone with support. The only information that I DID receive was that they had no information about my application on their end. However, this did nothing but leave me with more questions considering my credit was ran by this company AND my credit score was impacted by their inquiry ( and I have proof of this ). At that point I submitted a complaint with the better business bureau. After around XXXX weeks I received a response from the company stating that they needed up to XXXX days to figure out what is going on. Shocker to none, roughly XXXX weeks later, no response still. I also submitted a dispute with equifax which was denied because I did apply for the card, however, nothing was done except for my credit score being affected.

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 2026-01-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
I have attempted multiple transfers from my Money Network prepaid card to my personal bank account ( XXXX ), but each transfer is returned to my card. I have contacted Money Network customer service multiple times, but they have not provided a resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
On XXXXXXXX XXXX XXXX  I sent a certified letter to the company detailing my requests. With no response. The company was given the statutory 30 days to respond and have chose not too. I also sent a certified letter to the company on XXXX XXXX XXXX stating the violation of not responding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an account with bank of America ( i believe ) back in XXXX, XXXX or XXXX and apparently there was some questionable activity with the account ( possibly fraudulent ) but I had reported to the bank several different times that I didn't deposit or withdraw funds from the account. I also provided information and a police report report in regards to my identity being stolen and XXXX of the times an account was opened it was in fact not me who opened the account. The bank has still insisted on having me in their system as the person who participated in or encouraged this activity.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
my wife started XXXX credit cards with usaa. i never knew about them. nor did i ever have access to them. she decided in sept to start shoveling her credit cards onto the accounts including her divorce lawyer. when filled she removed her name and left the accounts in my name. i was arrested and spent 9 months in jail only to find my credit score down from XXXX to just XXXX. I also started arguing with usaa on the debt claiming as i stiill do that it isnt mine and its not in my name. they said they would investigate only after i had hounded them over and over. nothing appears to have been done. now the cards are over drawn, closed and i never knew about them. they are still investigating and its been since XX/XX/2025 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