vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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: TX

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$2400.00} through Abound to a recipient in XXXX. Abound accepted the transaction, withdrew the funds from my account, and provided an estimated delivery date of XX/XX/year>. The recipient has not received the funds, and the transaction remains in Transferring to XXXX status. I contacted Abound multiple times to request the status of the transfer, the reason for the delay, and an expected delivery date. Abound informed me that there was a technical issue with its banking partner, but did not provide a definite resolution date. Despite my repeated follow-ups, the transfer has not been completed within the timeframe provided by the company. The funds have been withdrawn from my account, but neither the recipient nor I have access to the money. I attempted to resolve this issue directly with Abound and requested either immediate completion of the transfer or a refund. The issue remains unresolved. I am requesting that Abound immediately complete the transfer and provide proof of delivery. If the transfer can not be completed promptly, I request a full refund of {$2400.00} to my original payment method. Leave the publication checkbox unchecked unless you specifically want CFPB to publish an anonymized version of your complaint.

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 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
First Tech has failed their obligation to communicate and act in Good Faith. On XX/XX/XXXX First Tech disabled online access, closed XXXX checking accounts, and froze XXXX savings accounts without warning, notification, or explanation. Communication by First Tech regarding this issue have been via unreadable encrypted emails. First Tech admitted these emails were unreadable because I had personally informed them via various message communications prior to this date, but First Tech dismissed these emails as " Spam '' or to check the " other '' secure messaging portal which contained no messages. Despite knowing these messages were unreadable, they continued to communicate via this illegible format before, during, and after the account closure. Continued requests to receive the information has been via : secure message, phone, email, and in-person. These requests have been XXXX ) Ignored, XXXX ) Dismissed, XXXX ) Followed up by more unreadable encrypted emails. As of this date XX/XX/XXXX I have not been told, informed, or otherwise been made aware of the contents of these messages sent by First Tech despite numerous requests. For the purposes of definition, a legible format might include : un-encrypted mail, postal mail, in-person printouts, or any other legible human readable format. Upon contacting First Tech they refused to provide direct communication with the department that has issued these notices, Instead I have been falsely informed that I have already been aware of their content, or provided blatantly false, incomplete, unhelpful, patronizing, speculation by phone reps, bank managers, and various other First Tech representatives who did understand the issue but were unable to help due to First Tech 's own bureaucratic failing. Copies of these unreadable messages have been attached to this complaint, in the exact format that they were received.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I do not consent to any further collection activity or communication from your company. The only acceptable response is written confirmation that you have complied with this demand. Any continued contact or reporting of inaccurate, disputed, or unverifiable information will be escalated through formal complaints with the CFPB, FTC, and all other appropriate regulatory agencies. No further contact is authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I don't even know what this debt is for. They claim it's XXXX. I never had a account with att

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
My mother has passed away and Iam currently going through probate trying to get it switched in my name so I can get mortgage assistance, it is my child hood home I want to stay in the home I just need time to complete probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have an American Express ( AMEX ) XXXX platinum card and one of the features on it is a {$200.00} annual credit to use for the XXXX Stays program. I booked a hotel and was charged on XX/XX/year> for {$260.00}. Shortly after, I received the {$200.00} credit. Then on XX/XX/year> my travel plans changed and I needed to cancel my reservation. I did this and received a full refund from XXXX XXXX of {$260.00} on XX/XX/year>. I then noticed on the same day ( XX/XX/year> ) I was charged {$110.00} labeled as a XXXX XXXX XXXX. On XX/XX/year> I called AMEX and was told they weren't sure why this was charged and to call XXXX XXXX. I then immediately called XXXX XXXX and was told they fully refunded the {$260.00} and did not charge anything else and to contact Amex again. I then immediately called AMEX and was told they do a " partial refund '' at times. They would not provide an explanation of why this is and referred me to my card member agreement. I am unable to find exactly in the agreement when a full refund or partial would apply for that credit. When booking the reservation the email confirmation mentioned I'd receive a full refund as long as it was canceled prior to XX/XX/year>. I feel this is deceptive to take back some of the credit. I'd be okay if the credit was fully reversed to then use at another time. It's deceptive to not clearly state these terms and not be able to provide how this partial amount is determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We came into XXXX in XXXX Ca and purchased our wedding rings in XXXX of XXXX. The associate was very helpful. I worked for XXXX for 20 years and have always loved and trusted the company. The associate offered us a no interest promotion. Even though I have excellent credit and do not use credit cards and have not debt. I took her up on the offer. We are not sure how, but somehow our payment was {$29.00} a month. Odd amount, but we think we were offered several options to pay. We paid this every month through an auto pay for 2 years. We received emails every month confirming our payment was made. Although we NEVER received a statement with our balance and payment history. Just an email every month, confirming the payment was due and then another one confirming payment was made. For 2 years. On XX/XX/XXXX, I received an email saying our payment would be {$80.00}. I thought it was odd but figured I would call and that possibly the promotion was over, so our payment went up. On XX/XX/XXXX, I received another email saying the next payment would be {$77.00} and a balance of {$2100.00}!!! Worried by account had been hacked, I called immediately to let them know someone used my account. After an hour speaking with your credit card company. The first rep said we missed a payment. And with the promotion is you miss a payment ALL the interest over the 2 years would be applied! We asked to speak with her manager knowing we had not missed a payment. She informed us that the person we spoke with was new and didn't know what she was talking about. She continued to tell us what actually happened is with this promotion if the total is not paid in full in 2 years, ALL the interest would be added to the account that had accrued of the past 2 years. She was not a nice person. I asked to talk to her supervisor. She informed me they were not available and would call me in 5-10 business days. WE WERE NEVER TOLD THIS. NEVER RECIEVED AN EMAIL, TEXT, PHONE CALL, STATEMENT, PAPER MAIL, TELLING UP ABOUT THIS! Of course, if I had the opportunity, I would have paid the balance off, no problem. I was never told or had the opportunity to pay this before the interest was added. I am requesting that all interest be removed from my account for the 2 years, that I made payments for this purchase. And I will pay the balance off immediately. Please confirm this will be done. Account # XXXX The above letter was faxed to Synchrony Bank on XX/XX/XXXX. It is the only for of communication allowed.

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 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mortgage Research Center, LLC
State: MN

Complaint narrative:
XXXX XXXX. XXXX provides that a borrower has the right to cure a default at any time prior to the sheriff 's sale by paying the full amount plus fees and costs to bring the loan current. Shortly before the sheriff 's sale, I obtained sufficient funds to cure the default and pay all fees and costs necessary to bring the loan current and have provided proof of funds. My call records show that I contacted the foreclosure counsel and the lender prior to the Sherriff 's sale requesting to provide payment. Their counsel required lender approval but they failed to respond. In a last ditch effort I contacted the lender requesting they provide a responsive approval or acceptance of payment. The lender stated that they were not going to process my payment because it was too late and told me that I missed the deadlines and foreclosed on my home on XX/XX/year> at XXXX i. 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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX car in XX/XX/year> that was financed by Santander. I paid off the entire loan with my first payment in early XX/XX/year>. On XX/XX/XXXX I received an email from Santander acknowledging my loan has been paid off in full. However since that time I have not received my car title. I have repeatedly called Santander in XXXX, XXXX, XXXX and XXXX asking for title release. They have repeatedly stated they have sent information to XXXX State DMV yet when I call XXXX State title dept they state they have received nothing. My last call to XXXX State title dept they stated for me to ask Santander to send me the title lien release and then once received to hand deliver it myself to a local DMV office. I called Santander last week and after much run around someone in their title dept said they would send me an electronic version of title lient release to my email yet to date I have received nothing. I have paid off my car loan in XXXX yet I still do not have a title to the car I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I reached out to the company several times in order to understand why this collection randomly appeared on my account. When I attempted, I was unable to connect with a representative at any point to discuss thr collection in question. I am unaware of this particular debt and have never and still have received any notifications regarding it. The amount originally is {$210.00} and the current amount owed is {$360.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a personnal paypal regular banking account and had it for a 1 yr maybe a little longer. An its never been in the negative nor has there been any fraud or anything on there. Until yesterday, I just had the rest of my tax return deposited in the account which I have {$310.00} thats now frozen an my account is deactivated an still have zero answers as to why. They won't give me any explanation nor give me a way to fix w.e it was that I did. they said they do have to discuss any of the info they have as to why they permanently limited/ deactivated my account without warning me or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
I am filing a formal CFPB complaint against Reliant Capital Solutions LLC for reporting and attempting to collect an inaccurate and massive unverified balance of {$5900.00}. I state clearly that this obligation is not mine, I do not recognize it, and it likely involves identity theft or synthetic fraud tied to major consumer data breaches. Reliant Capital Solutions is currently violating major consumer protection provisions : 1. FDCPA 15 U.S.C. 1692g ( b ) : Failure to halt collection and reporting operations until an original signed consumer contract or application verifying my personal assignment to this debt is provided. 2. California Rosenthal Act ( CA Civil Code 1788 et seq. ) : Prohibits companies from executing unfair or deceptive data furnishing and collection maneuvers on California consumers. 3. California Code of Civil Procedure 337 : This item is time-barred under California 's 4-year statute of limitations for written contracts. Reporting or attempting collections on a stale debt is an unlawful, deceptive action. 4. FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishing heavily contested, unverified debt details to credit reporting agencies while refusing to conduct proper physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I dispute the accuracy, completeness, and reporting of this account. After submitting a written request for validation, I did not receive the documentation I requested, including a copy of the original signed agreement, complete account records, proof of ownership, proof of assignment, and documentation establishing the legal authority of the reporting party to collect and report this account. Instead, I received account summaries and collection notices that did not fully address my validation request. The responses contained inconsistent and changing information regarding ownership, servicing, and collection activity. I also observed address discrepancies in the records provided. The account appears to have been transferred among multiple entities, including the original creditor, collection agencies, debt buyers, and servicing companies. As a consumer, I have been unable to determine with certainty which company owns the account, which company is servicing the account, and whether the information being reported to consumer reporting agencies is accurate. I am requesting a full investigation and documentation supporting this account, including : A copy of the original signed agreement or application. Complete payment history from account opening through charge-off. A complete chain of title showing every transfer, assignment, sale, and servicing relationship. Documentation proving the current owners legal authority to collect. Documentation supporting the current balance being reported. An explanation of all ownership and servicing transfers. Correction of any inaccurate addresses, account information, dates, balances, or reporting data. If the company can not provide complete and accurate documentation supporting the account and its reporting, I request that the account be deleted from all consumer reporting agencies and that all collection activity cease. I also request written confirmation of the investigation results and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called what I believed was XXXX 's corporate office for a refrigerator refund, but the call was intercepted by a scammer posing as a XXXX 's representative. The scammer had me download remote-access software and told me to log into my bank app using my fingerprint to check for the refund. I scanned my fingerprint solely to log in. The scammer then used the active remote-access software to hijack my unlocked session. Without my consent, they executed a {$500.00} Wells Fargo XXXX transfer and a {$500.00} XXXX XXXX gift card purchase. When I questioned the charges, the scammer lied, claiming they were " verification tokens '' that would fall off. I reported this within XXXX minutes. Wells Fargo is violating Federal Regulation XXXX by denying my claim simply because it originated from my phone, ignoring the remote takeover. I demand a review of the session IP logs and a full reversal. I am attaching my official FTC report. This cybercrime has been formally reported to the Federal Trade Commission under official FTC Identity Theft Report Number XXXX. I am uploading the official federal document below as concrete legal proof of this unauthorized device takeover.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery Associates calls me every day before XXXX, multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent a written debt validation request via certified mail to portfolio recovery XXXX regarding an account they are reporting as original creditor XXXX XXXX Bank. Portfolio recovery failed to respond to my debt validation request within XXXX days as required under the FDCPA XXXX ( b ). Despite failing to validate this debt, they have continued to report it on my all of my credit reports. This is a violation of the FDCPA, which requires collectors to cease collection activity including credit reporting until the debt is properly validated. I am requesting that this account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Unvalidated Debt Reported by Harris & Harris To Whom It May Concern : I am filing this complaint regarding an alleged debt reported by Harris & Harris that has not been validated despite my formal request sent some time ago. I sent a written XXXX XXXX XXXX XXXX Harris & Harris requesting verification and validation of the alleged debt being reported under my name. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires a debt collector to provide verification of a debt upon request, or not report same until th. My request specifically asked for documentation verifying : The existence and legitimacy of the alleged debt ; The amount claimed to be owed ; Documentation showing I am legally obligated to pay the debt ; Proof of Harris & Harriss authority to collect and report the debt. As of today, Harris & Harris has failed to provide any validation or documentation supporting this alleged debt. Despite my written request, they have not responded with the required verification. Additionally, the continued reporting of this unvalidated debt on my consumer credit reports raises concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX U.S.C. XXXX ( b ), which requires furnishers of information to investigate disputed information and report accurate information to consumer reporting agencies XXXX XXXX. XXXX ( b ), which requires maximum possible accuracy in XXXX XXXX XXXX Harris & Harris has failed to validate the debt and has not provided documentation demonstrating that the debt is legitimate, the continued reporting of this account is inaccurate, misleading, and harmful to my credit profile. Given the failure to validate the debt after my written request, I am requesting the following resolution : 1. Immediate investigation by the CFPB into Harris & Harris 's reporting and collection practices. XXXX. Immediate removal of the unvalidated debt from all consumer reporting agencies ( including XXXX XXXX XXXX XXXX XXXX XXXX. Written confirmation that the account has been removed or properly validated with supporting documentation. If Harris & Harris can not provide proper legal validation of this debt, they should not be permitted to continue reporting it. I respectfully request that the CFPB investigate this matter and ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief