vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
Complaint : Undelivered Money Transfer Request for Investigation and Refund I am filing this complaint regarding a {$100.00} money transfer sent through Remitly to my brother who was really in need for it ASAP, I started the transfer on XX/XX/XXXX, which was expected to be delivered by XX/XX/XXXX. The transaction is marked as completed ; however, the intended recipient has not received the funds. I have made multiple attempts over the past three days to resolve this issue directly with Remitly customer support, but they have failed to provide a resolution. Specifically : * I submitted the recipients bank transaction history, confirming that no deposit was received * At Remitlys direction, I sent the recipient to their bank ; however, the bank was * * unable to locate or trace the transaction * I was initially informed that the transfer * * would be canceled and refunded, but later told that cancellation is not possible * I was also informed that the transfer was processed through a third-party provider ( Ria ) Despite these efforts, Remitly has not provided proof of delivery, nor have they resolved the issue. Iasked for my full chat history with them to attach it, but they refused to provide it ( attaching the last day chat ) Due to non-delivery of the service, I have also filed a dispute with my bank. This situation represents a failure to deliver the service paid for. I am requesting that Remitly : XXXX. Provide verifiable proof of delivery, including receiving financial institution details and transaction confirmation OR XXXX. Issue a full refund of the {$100.00} transfer I respectfully request that this matter be investigated and resolved promptly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am formally disputing the handling and denial of my {$370.00} claim related to XXXX XXXXXXXX XXXX Over the past three months, I have made repeated attempts to resolve this matter in good faith. During this time, I was provided incorrect dispute reference numbers by bank staff on more than one occasion, which directly prevented my supporting documentation from being properly received and attached to my claim. As a result of these internal errors, my dispute was denied due to insufficient evidence, despite my documented efforts to submit all required materials. This denial is not due to lack of evidence, but due to procedural mishandling and misinformation provided by your institution. Additionally, the original charge itself was based on incomplete and inconsistent information provided by the leasing office, which prevented the application from ever being completed or processed. At this point, I am requesting : XXXX. A full reopening and review of my dispute with confirmation that all submitted evidence is properly attached XXXX. A refund of the {$370.00} charge XXXX. A formal explanation of how this claim was mishandled, including the issuance of incorrect dispute reference numbers They stated I could use a letter from my job and for that the could take and the XXXX XXXXXXXX told me after I paid I couldnt. So then the application never was done and they kept my full amount. If this matter is not resolved promptly, I will proceed with formal complaints through the appropriate regulatory agencies. I expect a timely resolution.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I reported XXXX unauthorized ATM cash withdrawals totaling approximately {$610.00} from my Cash App debit card. I did not make these withdrawals and did not authorize anyone else to use my card or credentials. At the time, I had lost possession and control of my phone and Cash App card and received no benefit from the cash. Cash App denied my disputes and appeal, did not issue provisional credit within XXXX business days of my notice of error, and provided only a brief transaction summary when I requested the documentation relied upon to determine authorization. In response to my prior CFPB complaint, Cash App did not address the substance of the dispute and instead stated it could not verify account ownership. I am the account holder and can verify the account using the phone number, email address, and $ cashtag associated with the account. I request that Cash App complete verification and provide a substantive response addressing the unauthorized ATM withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: WI

Complaint narrative:
Initial complaint/notification dated XX/XX/XXXX ( acknowledged in the XX/XX/XXXX letter from XXXX XXXX XXXX XXXX XX/XX/XXXX letter from XXXX XXXX, XXXX XXXX XXXX President, responding to your XXXX ER experience. XX/XX/XXXX follow-up letter from XXXX XXXX XXXX Email dated XX/XX/XXXX at XXXX XXXX with attachments sent to XXXX XXXX. Email dated XX/XX/XXXX at XXXX XXXX titled Another Bill sent to XXXX XXXX. XXXX cease-and-desist message dated XX/XX/XXXX ( approximately XXXX AM ) to XXXX XXXX XXXX. Formal dispute letter dated XX/XX/XXXX sent to XXXX ( or related collector ). Additional correspondence and complaints referencing XXXX XXXX, XXXX XXXX, unnamed agents, and the man who called demanding written communication.This package supports a continuous XXXX injury pattern. Detailed XXXX XXXX XX/XX/XXXX : Earliest referenced account activity/communications. Baseline for all validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I opened a Synchrony Financial account in XX/XX/XXXX and made XXXX promotional purchases : {$2600.00} on XX/XX/XXXX ; {$2600.00} on XX/XX/XXXX ; and {$1200.00} on XX/XX/XXXX. I had funds available for each purchase but chose to finance because XXXX merchant partners, XXXX XXXX and XXXX XXXX and XXXX, promoted XXXX financing at point of sale and assured me that multiple promotions could be consolidated on XXXX card. I enrolled in autopay and reasonably believed my payments were being applied toward these promotional balances. What was not disclosed is that Synchrony retains sole control over how payments are allocated across promotional balances, with no visibility or override available to the consumer. The minimum payment Synchrony required was insufficient to pay off any promotional balance within its promotional term. Despite this, my statements showed the account in good standing and did not clearly warn that making the required payment would still result in deferred interest charges. In XX/XX/XXXX, the XX/XX/XXXX promotion expired. Approximately {$1100.00} in backdated interest was added at once, and the balance began accruing interest at 35 % APR. I was not notified of this event. From that point forward, Synchrony allocated XXXX payments to that balance, allowing it to compound at XXXX XXXX while I continued making every required monthly payment. The XX/XX/XXXX promotional balance has also received XXXX dollars across more than a year of consecutive payments and is now approaching the same expiration outcome by the same allocation design. I only discovered this issue because XXXX XXXX flagged a XXXX XXXX APR on my account. That discovery led me to learn that another promotional balance expiring in XX/XX/XXXX had likewise received no payment allocation and was on track for the same result. My current statement projects XXXX years to repay this account at the minimum payment, despite these purchases being sold as XXXX financing offers. At the minimum payment, the projected cost exceeds {$23000.00} on approximately {$6500.00} of goods, not including additional deferred interest that would have been added had I not discovered this issue. XXXX offers promotional expiration alerts, but this feature is optin, defaults to XXXX days notice, and I was never informed it existed or enrolled. This outcome was not caused by missed payments or inaction on my part but was the predictable result of XXXX undisclosed payment allocation practices combined with a required payment amount that could not satisfy promotional terms.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I transferred money from Wells Fargo checking account through XXXX to a saved recipient but the phone number was off by one digit. I realized at time of transfer and called bank right away. They put a claim in and found that they had no responsibility. They claimed they contacted the recipients bank to request the money back. They will not give me any other information. I reached out the recipient through text and they confirmed they refunded the money immediately. I have yet to receive the money. I closed my account and nothing has come by mail or has Wells Fargo reached out.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from National Credit Systems regarding an alleged debt of {$13000.00} related to a former apartment lease. On XX/XX/XXXX, I sent a written dispute via certified mail pursuant to the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the debt, including an itemized accounting and documentation of mitigation of damages. I have not received any response or validation from the company to date. Despite my timely written dispute, the account was reported to the credit bureaus. The account was subsequently deleted by XXXX following reinvestigation, but it continues to be reported to XXXX and XXXX. I also disputed the account directly with the credit bureaus. XXXX deleted the account, while XXXX and XXXX continued to report it. The last update I observed on the account was XX/XX/XXXX. This alleged balance includes lease break damages ; however, I have not been provided any documentation demonstrating how the amount was calculated or whether the original creditor mitigated damages as required. I am requesting that National Credit Systems either provide full validation of this alleged debt or request deletion of the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX reporting a balance associated with a business wireless account for XXXX XXXX XXXX on my personal consumer credit report. The XXXX account was established on XX/XX/XXXX under a Retail Account Agreement for XXXX XXXX XXXX as a business account intended for business use. At account setup, I signed a co-signer agreement in support of the business account. My concern is that the resulting balance has been reported in a manner that materially impacts my personal credit without full written reconciliation of the charges. In XX/XX/XXXX, devices connected to this account were transitioned during a carrier change to XXXX XXXX XXXX. Because of that transition, I need XXXX to clearly identify which charges remained outstanding, whether all applicable credits were applied, and whether any device-related balances, early termination fees, or offer recovery fees were properly calculated. I respectfully request : Full itemized account history from XX/XX/XXXX forward Identification of all charges remaining after the carrier transition Written explanation of all device-related balances and fees Verification of the basis for furnishing this account to consumer credit bureaus I am willing to resolve any verified balance in good faith, including discussing payment and possible device return, provided XXXX agrees to review and correct the adverse reporting associated with this account where appropriate.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I had ended a lease per the Soldiers and Sailor Relief Act and had my entire deposit of {$990.00} claimed as well as an additional for other damages. I received my final statement including what was owed on XX/XX/year> over email afte which I went into the office to attempt to dispute it to which I was told they could do nothing and to email the managament. I then explained in an email on XX/XX/XXXX as well that the damages were not mine and that I would like to dispute the charges before I paid. I detailed exactly what damages were not mine and what damages I claimed, including wear and tear for flooring. After multiple calls unanswered I had to stop calling them so I could go to my duty station at XXXX XXXX XXXX XXXX, IL where I did not have phone access. When I got my phone back I was informed my bill was in collections. This is negatively affecting my credit and I did everything in my power to pay what I owed, but the neither XXXX XXXX XXXX. nor XXXX XXXX XXXX would answer my continued correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX for withholding my funds for over one year after my merchant account was closed. My account with them was closed on XX/XX/year>. I had to wait 6 months from the date it was closed to receive information on how to get my money refunded. The company has repeatedly stated that my funds were turned over to the State of Florida as unclaimed property. However, I have searched the official database of the Florida Department of XXXX XXXX XXXX XXXX XXXX XXXX and found no record under my name or business. I have also attempted to verify this directly, and there is no confirmation that any funds have been reported on my behalf. XXXX XXXX XXXX has failed to provide any documentation supporting their claim, including the date of transfer, amount, or any property ID. Without this information, their statement can not be verified. At this point, the company is either withholding my funds or has failed to properly report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have weekly auto payments set up with my bank, Citizens, to go to XXXX XXXX for {$230.00}. Back on XX/XX/XXXX my payment left my bank account and never went through on my account with XXXX XXXX, XXXX. I waited a week to see if the next one did and it went through no issue. All payments since then havent had any issues but the one on XX/XX/XXXX never showed. I contacted XXXX XXXX to look into this and was told there was nothing they could do and that I had to reach out to my bank to have them track the payment to confirm it went through. I did and they confirmed the money left my account and was received by XXXX XXXX. Citizens even sent a letter to XXXX XXXX stating that they traced the money and that it did indeed go to XXXX XXXX. A trace number was even included as proof, XXXX. When I reached back out to XXXX XXXX to look for an update I was told the the claims department didnt accept the letter and I needed to go back to my bank. I then asked to speak with a supervisor and when going over my situation with them they told me there was nothing else they could do and hung up on me. I then went to my local Citizens branch to talk to them in person and go over my situation. They looked into everything again and confirmed that that money was sent and received by XXXX XXXX. While there we called XXXX XXXX so we could try to settle this all together. XXXX XXXX reiterated over and over that they werent accepting the trace number or evidence we had that the payment went through. When I got a supervisor they ended up getting aggravated with us told us that they never got the money and theres nothing else the could do and terminated our phone call again. I am still shocked as I write this the customer service XXXX XXXX had. Not wanting to help resolve a situation and hanging up on a customer twice. So after that last interaction Citizens suggested I open a claim with the consumer financial protection bureau. On XX/XX/XXXX I filed a complaint with the Consumer Financial Protection Bureau detailing the above issue. Through their investigation XXXX XXXX is saying that the issue is with Citizens Bank intermediary payment company. This has been going on since XXXX of XXXX and both parties have just been sending me on a wild goose chase. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: PA

Complaint narrative:
XXXX closed for good my account XX/XX/year> saying only concerns with activity while there was {$3700.00} in my account that was taken for loss prevention & be returned in 180 days. I reached out to ask why this happened in detail and was basically told as Im not a current customer they had nothing to say to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I paid off my Credit Card giving me a {$1000.00} available credit limit. On XX/XX/XXXX, I went to pick up my vehicle from having service at the dealership. The bill was about {$570.00}. I attempted to use my Capital One Credit Card and it was declined for insufficient available funds. My limit had been lowered to {$500.00} without my prior knowledge on XX/XX/XXXX. I was publicly embarrassed, had to delay my transaction and acquire funds that I was not prepared to spend putting me in a financial hardship and causing undue stress. I was basically stranded at the dealership without an alternate way to pay for the services that were completed on my vehicle.

Company response to consumer: Closed with explanation